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How State Pension rule changes coming into effect today could delay your retirement

August 6, 2020
in Pension Information
How State Pension rule changes coming into effect today could delay your retirement
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It’s never too early to start planning for your retirement and with another change to the State Pension age coming into effect today, it’s important for everyone to understand how this might impact their futute.

Your State Pension age is the earliest age you can start receiving your State Pension and may be different to the age you can get a workplace or personal pension.

It can be claimed when a person reaches their official State Pension age and depends on a person’s gender and date of birth.

The UK Government is in the process of raising State Pension ages to 66 across the board and there are plans to raise it to 68 in the coming years.

In the latest round of changes, from Monday,  July 6, anyone born between August 6 1954 and September 5 1954 will see their State Pension age increase from 65 to 66.

There is one more change scheduled after this on September 6, 2020 and from October, everyone will reach State Pension age on their 66th birthday.

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State Pension payments can be received by anyone who has at least 10 years of National Insurance contributions and has reached State Pension age.

With all the State Pension age changes, some people may feel unsure about when they can retire.

The UK Government has a free and easy to use online tool which can give an exact date for qualification just by entering your gender and date of birth.

The tool provides information on when you will:

  • Reach State Pension age

  • Qualify for Pension Credit

  • Be eligible for free bus travel – you are eligible for a free bus pass if you are over 60 in Scotland

How to use the Pension Age tool

The final screen will reveal the exact date that you will reach State Pension age.

It’s also possible from this screen to get information on when you could become eligible for Pension Credit, get a pension forecast or receive other State Pension information.

Check your State Pension age here. 

-- to www.dailyrecord.co.uk

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