UK State Pension Age to Rise from 66 to 67 Between 2026 and 2028

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The retirement age in the UK will increase from the current 66 to 67 between 2026 and 2028.

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A further increase to 68 is currently scheduled between 2044 and 2046, though experts warn this timeline might be accelerated.

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The UK government is expected to have spent approximately £125 billion in 2023-2024 on state pensions, which increased to £138 billion in 2024-2025.

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These costs are expected to rise significantly with increasing life expectancy and an aging population, placing a growing burden on taxpayers.

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In the UK, men have a life expectancy of 78.8 years at birth and can expect to live another 18.6 years once they reach 65.

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Raising the pension age is a matter of fairness due to significant regional disparities in life expectancy.

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HMRC has reminded Britons that they have until April 5, 2025, to fill any gaps in their National Insurance records going back to 2006. After this deadline, the normal six-tax year limit will apply.

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People typically need at least 10 qualifying years of National Insurance contributions to receive any state pension and 35 years for the full amount.

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The Pensions Act 2014 requires regular reviews of the state pension age at least once every five years.

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