North East Scotland Pension Fund

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State Pension Age Changes

The Department for Work and Pensions (DWP) has published a report confirming that it intends to increase the State Pension Age (SPA) to 68 between 2037 and 2039, seven years earlier than currently scheduled.

Who is affected by the changes?

Those born between 6 April 1970 and 5 April 1978 will have a new SPA of between 67 and 68. This means they have to wait longer before they can receive their State Pension.

People born after  5 April 1978 already have a State Pension Age of 68, so are not affected by this change. Similarly people born before 6 April 1970 are unaffected and will continue to benefit from a lower SPA of between 65 and 67.

Does the change affect my LGPS pension?

It depends on when you were a member of the pension scheme.

  • Before 1 April 2015: Your pension has a Normal Pension Age of 65
  • On or after 1 April 2015: Your Normal Pension Age is the same as your State Pension Age

Therefore members who were paying into the scheme on or after 1 April 2015 and who were born between 6 April 1970 and 5 April 1978 will have a new Normal Pension Age of 68. This means the earliest they can claim their Local Government Pension Scheme pension benefits, without them being reduced for early payment has increased from 67 to 68.

If you have both pre and post April 2015 benefits, you cannot take these separately. They must be taken at the same time. See here for more information on Normal Pension Age.

What are the next steps?

The Government has said that the next review of the SPA, due to be concluded in July 2023, will confirm the exact date of the increase so that the latest life expectancy projections can be taken into account. At present there is no legislation implementing the change and no legislation will be laid before Parliament until after the next general election (currently scheduled for 2022).

Once the exact dates of the change have been confirmed, affected members will be notified.

As SPA is reviewed every 6 years, there may be future changes to the State Pension Age which affect more individuals.

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