The UK government has confirmed a major change to the State Pension age, pushing it from 67 to 68 starting in July 2025. This shift, announced by the Department for Work and Pensions (DWP), affects millions of workers planning their retirement. The change aims to keep the pension system affordable as people live longer. With rising costs for essentials like food and energy, the news has sparked debate. Here’s what you need to know about the new pension age and how it impacts you.
Who Is Affected by the Change?
The new pension age of 68 applies to anyone born on or after 6 July 1957. If you were born before this date, you can still claim your State Pension at 67 or earlier, depending on your birth year. For example, someone like Sarah, born in 1960, will need to wait until she’s 68 to get her pension. The DWP says this gradual increase helps balance the pension budget, as the number of pensioners grows. You can check your exact pension age on gov.uk by entering your date of birth.
| Birth Date | State Pension Age |
|---|---|
| Before 6 July 1957 | 67 or earlier |
| On or after 6 July 1957 | 68 |
Why the Pension Age Is Rising
People are living longer, with life expectancy now around 81 for men and 84 for women in the UK. This puts pressure on the State Pension fund, as more people claim it for longer. The government says raising the pension age to 68 ensures the system stays fair for future generations. However, critics argue it’s tough on workers in physically demanding jobs, like builders or carers, who may struggle to work into their late 60s. The change also comes as the triple lock ensures a 4.1% pension rise in 2025.
How to Plan for the New Age
If you’re affected, you might need to work an extra year or rely on savings before your pension kicks in. The DWP suggests checking your National Insurance record to ensure you qualify for the full State Pension, which will be £230.25 a week from April 2025. You can make voluntary contributions to fill gaps in your record. Private pensions or workplace schemes can also help bridge the gap. For example, John, a 55-year-old from Leeds, is boosting his savings to cover the extra year before his pension starts.
| Action | How It Helps |
|---|---|
| Check National Insurance record | Ensures full pension eligibility |
| Save in a private pension | Covers costs before pension age |
Extra Support for Workers
The DWP is offering support for those nearing retirement age. From July 2025, a new online tool will help you plan your finances and check eligibility for benefits like Pension Credit. If you can’t work due to health issues, you might qualify for benefits like Universal Credit or Employment and Support Allowance before reaching 68. Local councils also provide help through the Household Support Fund for costs like energy bills. Contact your council to see what’s available in your area.
What This Means for You
The pension age rise to 68 is a big shift, especially for those close to retirement. It means rethinking plans, like saving more or working part-time in your 60s. While the government says it’s necessary to keep pensions sustainable, many worry about the impact on low-income workers. The DWP urges everyone to use the gov.uk pension calculator to understand their situation. With the State Pension still a vital income source, planning ahead is key. Stay informed through official channels and avoid scams promising early pension access.