Calculating your State Pension age
State Pension age is the earliest age you can claim your State Pension. State Pension age is increasing for men and women. You can continue working when you reach State Pension age.
Great Britain changed the law to introduce a new State Pension for men and women who will reach State Pension age on or after 6 April 2016. The changes to State Pension are not yet law in Northern Ireland. If the Northern Ireland Assembly passes similar legislation, these changes will be made here and would apply to:
- men born on or after 6 April 1951
- women born on or after 6 April 1953
State Pension age
The current State Pension age is:
- 65 for men born before 6 December 1953
- between 60 and 65 for women born after 5 April 1950 and before 6 December 1953
State Pension calculator
Calculate when you’ll reach State Pension age or Pension Credit qualifying age and how much you may get in today’s money for your basic State Pension.
Increase in State Pension age to 66
Women’s State Pension age will increase gradually to 65 between April 2016 and November 2018. From December 2018 the State Pension age for both men and women will start to increase to reach 66 by October 2020.
These changes affect you if you're:
- a woman born on or after 6 April 1953
- a man born on or after 6 December 1953
Increase in State Pension age to 67
State Pension age will increase to 67 between 2034 and 2036.
State Pension age could increase to 67 between 2026 and 2028. This proposed increase is not yet law in Northern Ireland.
Increase in State Pension age to 68
Pension law already provides for the State Pension age to increase to 68 between 2044 and 2046.
Choices you have at State Pension age
State Pension age is not the same as retirement age. Retirement age is when you choose to retire, but you can still work after State Pension age.
When you reach State Pension age, you can:
- stop working and claim your State Pension
- continue working and claim your State Pension as well
- continue working and defer claiming your State Pension
If you defer claiming your State Pension, you may be able to get extra State Pension when you do claim.
If you continue working after your State Pension age, you don't pay National Insurance contributions.
Defer claiming State Pension
By deferring your State Pension claim, you may get extra State Pension when you claim:
There is no compulsory retirement age in Northern Ireland. Retirement age is when you choose to retire. Your State Pension age is the earliest age you can claim your State Pension.
Tell the Northern Ireland Pension Centre about a change in your circumstances
Find out what you need to report, such as a change of address or bank details.
- Report your change of address, bank details or other circumstances to the Northern Ireland Pension Centre
More useful links
- New State Pension
- Working part time when you retire
- How to catch up if you've got little or no pension
- Financial support for retirement
- Pensions - an overview
- Increasing your income when you get to pension age
- Saving for retirement
- Getting a State Pension statement
- 'Lets talk money' on the AgeNI website