The State Pension age is increasing from 66 to 67 in a phased rise that began in April 2026 and will continue until March 2028. This change affects individuals born in the early 1960s, who may need to wait longer before becoming eligible for their State Pension.
Who Is Affected by the State Pension Age Increase?
People born between April 6, 1960 and March 5, 1961 will see their retirement age pushed beyond 66. The exact age depends on the specific date of birth, with some facing several extra months before they can start receiving payments.
The Department for Work and Pensions (DWP) urges those approaching retirement to check their State Pension age to know exactly when they will qualify. A DWP spokesperson said: "Between April 2026 and March 2028, the State Pension age will gradually rise from 66 to 67, affecting those born on or after 6 April 1960."
How to Check Your State Pension Age
The DWP recommends using the free State Pension age calculator on GOV.UK. You only need your date of birth to find your exact State Pension age. Additionally, the Check your State Pension forecast tool can show how much you might receive and whether you can increase it by filling gaps in your National Insurance record.
It is important to note that the State Pension does not start automatically. You must actively claim it when you near your State Pension age. The Pension Service usually sends an invitation letter about four months before you reach that age, explaining how to make a claim.
A DWP spokesperson added: "Remember, your State Pension doesn't start automatically. The Pension Service will write to you around four months before you reach State Pension age to invite you to apply."
Current State Pension Payment Rates
The full New State Pension is currently worth £241.30 per week, which amounts to £995.20 every four-week payment period. The exact amount you receive depends on your National Insurance record. Most people need 35 qualifying years of National Insurance Contributions (NICs) to get the full amount, while those with fewer years may receive a reduced payment. A minimum of 10 years of NICs is required to qualify for any State Pension.
Future State Pension Age Changes
The increase to 67 is part of long-term government plans to reflect rising life expectancy and the growing cost of funding pensions. Further increases are already planned, with the State Pension age expected to rise again to 68 in the mid-2040s, though the exact timetable remains under review.
For now, the DWP focuses on ensuring people approaching retirement understand when they will become eligible and how to claim. Use the free State Pension age calculator on GOV.UK to find your exact retirement date and Pension Credit qualifying age.
