State pension age is changing – how to check when you will be able to claim state pension
State pension: Expert discusses possible 'significant increase'
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It’s not possible to get the state pension unless a person has reached state pension age. As such, many will no doubt want to work out when it is they can claim and begin to receive this form of income.
In the past, the state pension age was 60 for women and 65 for men.
However, changes to the state pension age for women were brought in under the Pensions Act 1995, and accelerated under the Pensions Act 2011.
It meant in November 2018, state pension age parity of 65 for men and women was reached.
Further changes came into force, and as of October 2020, the state pension age reached 66 for both men and women.
The Pensions Act 2014 means the state pension age will rise from 66 to 67 between 2026 and 2028.
This first affects people born on or after April 6, 1960.
Under the Pensions Act 2007, the state pension age for men and women will increase from 67 to 68 between 2044 and 2046, based on the current law.
Timetables for the changes have been published by the Government, and they are available to see online.
There is another way to check how a person may be affected by the changes to the state pension age.
This is via the online “Check your State Pension age” tool.
It can be used to check when a person will reach state pension age.
Furthermore, the user will be informed of their Pension Credit qualifying age.
When they will be eligible for free bus travel is also something which can be accessed via the tool.
To use it, people will need to enter their date of birth.
As well as informing the user of what their state pension age, they will also be given the exact date of when they will reach state pension age.
It won’t give details on how much the person will get.
There is a way to get a state pension forecast online, however.
The “Check your State Pension forecast” service can be found on the Government website, and this can be used to find out who much state pension a person could get.
It also tells them when they can get it and how to increase it, if they can.
The service can’t be used if the person is already getting the state pension or if they’ve deferred claiming it.
People who will reach state pension age in more than 30 days can opt to get the forecast via post.
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