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The UK State Pension age is set to rise again in 2026, impacting millions of people born within a certain range.
As part of the government’s long-term pension reform plan, the State Pension age will increase from 66 to 67—but only for those with specific dates of birth.
If you’re planning for retirement, understanding these changes and how they affect your eligibility is crucial. Here’s everything you need to know, including key dates, government policy updates, and how to check your pension age.
Who Will Be Affected by the 2026 State Pension Age Increase?
The change will apply to individuals born between:
| Date of Birth Range | New State Pension Age |
|---|---|
| 6 March 1961 – 5 April 1977 | 67 |
If you fall within this window, your State Pension age will now be 67, not 66. The transition will be phased starting in 2026, continuing until 2028.
This change is part of the Pensions Act 2014, which brought forward the increase by eight years.
Timeline of State Pension Age Changes
| Pension Age | Men & Women Affected | Effective Period |
|---|---|---|
| 65 → 66 | Born before 6 March 1961 | Completed by October 2020 |
| 66 → 67 | Born 6 March 1961 – 5 April 1977 | Between 2026 and 2028 |
| 67 → 68 | Planned for those born after 5 April 1977 | Expected 2044–2046 |
Why Is the Pension Age Increasing?
The State Pension age is reviewed every five years. The government’s reasoning includes:
- Rising life expectancy
- Increased time in retirement
- A desire to keep pensions financially sustainable
The next review is due before the end of the decade, and the government may choose to accelerate the rise to 68, pending parliamentary approval.
How to Check Your State Pension Age Online
Anyone can check their official State Pension age using the free online tool on GOV.UK. The tool allows you to:
- Confirm your retirement age
- Check your Pension Credit eligibility
- See when you’re entitled to free bus travel
Maximising Your State Pension Before 2026
With the deadline for voluntary National Insurance (NI) contributions extended to 5 April 2025, people have more time to fill gaps in their NI records going back to 2006.
To receive the full new State Pension, you’ll need:
- At least 10 qualifying years to receive anything
- At least 35 years for the full amount
Since 2023, over 10,000 payments worth £12.5 million have been made via the digital NI service.
You can now:
- Log into your personal tax account or HMRC app
- Use the State Pension forecast tool
- Pay for any missing years online directly
If you were born between 6 March 1961 and 5 April 1977, prepare now: your State Pension age is rising to 67 starting in 2026. With additional changes planned for 2044–2046, it’s vital to stay informed and proactive.
Check your eligibility, NI record, and retirement forecast today to avoid surprises. Understanding and acting now can help secure a stronger financial future as you approach retirement.
FAQs
Will my workplace pension be affected by this change?
No, workplace and personal pensions have separate access rules. This change only affects the State Pension age.
Can I still claim if I was born in early 1961?
If your birthday is before 6 March 1961, you can still claim at age 66. If it’s on or after that date, you’ll need to wait until 67.
How can I check if I need to fill NI gaps?
Use the State Pension forecast tool or log into your HMRC personal tax account to view your contributions and options.