A major Department for Work and Pensions (DWP) review is underway in 2025, and it could mean millions of state pensioners will be forced to work beyond the age of 70.
The focus is on a rule from 2015 that ties public sector pensions—especially NHS workers’ pensions—directly to the State Pension age, which is now under review and may rise sooner than expected.
Why the Pension Age May Rise
The UK government periodically reviews the State Pension age in response to rising life expectancy, public spending pressures, and demographic changes. While the current State Pension age is 66, it is already set to rise to 67 between 2026 and 2028, and 68 by 2046.
However, under recent discussions, accelerated plans could see the pension age reach 68 much sooner, potentially as early as 2035. For some NHS workers under the 2015 NHS Pension Scheme, this could translate to retirement at 70 or beyond.
The 2015 NHS Pension Rule Explained
The 2015 NHS Pension Scheme, introduced on 1 April 2015, directly links pension access age to the State Pension age.
Unlike previous pension schemes, which allowed more flexibility, this alignment means that if the State Pension age increases, so does your NHS retirement age.
This rule affects:
- All new NHS workers after April 2015
- Those transitioned from earlier 1995/2008 schemes (unless protected)
Real-World Impact
Edmund Greaves, a pension expert, warned:
“This link between public sector pension schemes and the state pension age is not widely understood… even among those directly affected.”
He added that NHS employees must now re-evaluate their retirement plans, as relying on the previously assumed retirement age of 67 may be misleading.
For example, a 54-year-old NHS worker in 2025 may now need to plan for a retirement age of 70 or more to claim full pension benefits.
Key Details in Table Format
| Category | Current Status | What May Change |
|---|---|---|
| State Pension Age | 66 (rising to 67 by 2028) | Could rise to 68 earlier, by 2035 |
| Affected Workers | NHS & public sector (post-2015) | All under 2015 scheme, no protection |
| Retirement Age Link | Tied to State Pension age | Increases in line with any future rise |
| Flexibility | Limited under 2015 scheme | Must wait until official pension age |
| Action Needed | Pension review & financial planning | Especially for NHS employees |
Why This Matters
While the rising pension age impacts most workers, public sector staff—especially those in healthcare roles—could be among the hardest hit. Many NHS workers face physically and emotionally demanding jobs, making retirement at 70 or beyond unrealistic.
The 2015 scheme offers little flexibility, which has prompted growing calls for:
- Greater public awareness
- Review of scheme fairness
- Better financial planning education
The 2015 pension rule and upcoming DWP review could redefine retirement for millions. If the State Pension age rises sooner than expected, public sector workers—especially in the NHS—may have to work into their 70s.
Now more than ever, it’s vital for employees under this scheme to check their pension statements, understand their entitlements, and plan their retirement carefully.
FAQs
Why is the State Pension age being reviewed again?
Due to increased life expectancy, economic strain, and the need to ensure the system remains sustainable.
Who is affected by the 2015 NHS Pension Scheme?
All NHS employees who joined after 1 April 2015 or transitioned from earlier schemes unless protected.
Can I still retire early under the 2015 scheme?
Yes, but retiring early may significantly reduce your pension payout.