The state pension age for women is 65 – and rising

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The government is currently raising the state pension age to 66. For women born in November 1953, their state pension age is 65.  But there’s lots of confusion about when women will get their pension.

The current state pension age

The state pension age for women was 60 up until April 5th 2010. Since April 6th 2010 it’s been gradually increasing from 60 to 65 from April 2010. It will rise to 66 for women and men by October 2020. Currently the state pension age is between 64 years and 11 months and 65 (in November 2018).

The rise in state pension age to 66

Women born on or after April 6th 1953 will be caught by the speeding up of the rise in the state pension age to 66, as well as the equalisation of the state pension age between women and men, at 65. These examples below are all for women as men have a different state pension age.

  • If you were born between 6th November and 5th December 1953: you will be entitled to receive your state pension on 6th November 2018. You will be aged between 64 years and 11 months and 65 years.
  • If you were born between 6th December 1953 and 5th January 1954: you will be entitled to receive your state pension on 6th March 2019. You will be aged 65 years and between two and three months.
  • If you were born between 6th January and 5th February 1954: you will be entitled to receive your state pension on 6th May 2019. You will be aged 65 years and between three and four months.
  • If you were born between 6th February and 5th March 1954: you will be entitled to receive your state pension on 6th July 2019. You will be aged between 65 years and between four or five months.
  • If you were born between 6th March and 5th April 1954: you will be entitled to receive your state pension on 6th September 2019. You will be aged between 65 years and five or six months.
  • If you were born between 6th April and 5th May 1954: you will be entitled to receive your state pension on 6th November 2019. You will be aged between 65 years and six or seven months.
  • If you were born between 6th May and 5th June 1954: you will be entitled to receive your state pension on 6th January 2020. You will be aged between 65 years and seven or eight months.
  • If you were born between 6th June and 5th July 1954: you will be entitled to receive your state pension on 6th March 2020. You will be aged between 65 years and eight or nine months.
  • If you were born between 6th July and 5th August 1954: you will be entitled to receive your state pension on 6th May 2020. You will be aged between 65 years and nine or ten months.
  • If you were born between 6th August and 5th September 1954: you will be entitled to receive your state pension on 6th July 2020. You will be aged between 65 years and ten or eleven months.
  • If you were born between 6th September and 5th October 1954: you will be entitled to receive your state pension on 6th September 2020. You will be aged between 65 years and eleven months and 66 years.

The rise in state pension age to 67

In his autumn statement in 2011, the chancellor said that the government planned to bring forward the rise in the state pension age to 67 from 2034-2036 to 2026-2028. It will affect women and men born on or after April 6th 1960.

  • If you were born between April 6th 1960 and April 5th 1961: your state pension age will be between 66 and 67.
  • If you were born between April 6th 1961 and April 5th 1969: your state pension age will be 67.

Related articles:

How to get a state pension statement and what it tells you

What happens to your state pension when you die?

History of the state pension – 10 things women need to know

Useful links:
The Pensions Advisory Service has a state pension age calculator, which you can access via the SavvyWoman’s budgeting tools and calculators section of SavvyWoman. Otherwise, there’s a state pension calculator on the Gov.uk website.

 

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