State Pension Age (SPA) is the earliest age you can claim your State Pension and depends on when you were born.
State Pension ages have been undergoing radical changes since April 2010. The changes will see the SPA rise to 65 for women between 2010 and 2018, and then to 66, 67 and 68 for both men and women. There are plans to change State Pension ages further.
Know your SPA
To find your SPA, please visit www.gov.uk/state-pension-age and follow the instructions on the page.
You can watch a short video about the State Pension below:
You usually have to claim your State Pension, it isn’t normally paid automatically, unless you are receiving certain benefits before you reach SPA. You can claim your State Pension even if you are still working. Normally, about four months before you reach SPA, you will be sent a letter from the Pension Service telling you what to do. If you haven’t got a letter three months before you reach SPA, and you want to claim your State Pension, there are three ways to do this:
- Claim your State Pension online, please visit: www.gov.uk/claim-state-pension-online
- Telephone Monday to Friday, between 8am and 6pm: Telephone: 0800 731 7898 (or Textphone: 0800 731 7339)
- Form: you can also claim by form, please see https://www.gov.uk/government/publications/the-basic-state-pension for more information.
You can defer taking your State Pension
You don’t have to take your State Pension when you reach SPA. If you put off claiming it for at least 9 weeks, you may get extra money. Further information can be found at https://www.gov.uk/deferring-state-pension. You can also contact MoneyHelper on 0300 123 1047 for more information.
Your State Pension is normally paid every four weeks into your bank account.