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Pensions Act 1995
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Pensions Act 1995, Part I is up to date with all changes known to be in force on or before 18 November 2024. There are changes that may be brought into force at a future date. Changes that have been made appear in the content and are referenced with annotations.
Changes to Legislation
Revised legislation carried on this site may not be fully up to date. Changes and effects are recorded by our editorial team in lists which can be found in the ‘Changes to Legislation’ area. Where those effects have yet to be applied to the text of the legislation by the editorial team they are also listed alongside the legislation in the affected provisions. Use the ‘more’ link to open the changes and effects relevant to the provision you are viewing.
Changes and effects yet to be applied to the whole Act associated Parts and Chapters:
- Blanket amendment words substituted by S.I. 2011/1043 art. 3 6
Whole provisions yet to be inserted into this Act (including any effects on those provisions):
- s. 37(1A)(b) inserted by 2015 c. 8 Sch. 2 para. 7(b)
- s. 51(5A)-(5C) inserted by 2015 c. 8 s. 43(1)
- s. 51(7A) inserted by 2015 c. 8 s. 41(1)(b)
- s. 51(9)(10) inserted by 2015 c. 8 s. 42(3)
- s. 67A(3)(aa)-(ac) inserted by 2015 c. 8 s. 45(3)
- s. 67A(9)(a)(viii)-(x) inserted by 2015 c. 8 s. 45(6)(a)
- s. 67A(9)(b)(vi)-(viii) inserted by 2015 c. 8 s. 45(6)(b)
- s. 73(2)(2A) substituted for s. 73(2) by 2015 c. 8 Sch. 2 para. 11
- s. 75(1)-(1B) substituted for s. 75(1) by 2015 c. 8 Sch. 2 para. 12
- s. 175(2)(ca) inserted by 2004 c. 35 s. 240(2)
- s. 175(2)(za) inserted by 2015 c. 8 s. 43(2)
Part IE+W+S Pensionable ages for men and women
Rules for determining pensionable ageE+W+S
1E+W+SThe following rules apply for the purposes of the enactments relating to social security, that is, the following Acts and the instruments made, or having effect as if made, under them: the M1Social Security Contributions and Benefits Act 1992, the M2Social Security Administration Act 1992 [F1, the Pension Schemes Act 1993 (c. 48) [F2, the State Pension Credit Act 2002 [F3, Part 1 of the Welfare Reform Act 2007 and the Pensions Act 2014]]].
Textual Amendments
F1Words in Sch. 4 para. 1 substituted (2.7.2002 for specified purposes, 6.10.2003 in so far as not already in force) by State Pension Credit Act 2002 (c. 16), s. 22(3), Sch. 2 para. 39; S.I. 2002/1691, art. 2(l); S.I. 2003/1766, art. 2(a)
F2Words in Sch. 4 para. 1 substituted (27.10.2008) by Welfare Reform Act 2007 (c. 5), s. 70(2), Sch. 3 para. 13; S.I. 2008/787, art. 2(4)(f)
F3Words in Sch. 4 para. 1 substituted (6.4.2016) by Pensions Act 2014 (c. 19), s. 56(4), Sch. 12 para. 30
Marginal Citations
RulesE+W+S
(1)
A man [F4born before [F56th December 1953]] attains pensionable age when he attains the age of 65 years.
(2)
A woman born before 6th April 1950 attains pensionable age when she attains the age of 60.
(3)
A woman born on any day in a period mentioned in column 1 of [F6table 1] attains pensionable age at the commencement of the day shown against that period in column 2.
(4)
F7. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
[F8TABLE 1]
| (1) Period within which woman’s birthday falls | (2) Day pensionable age attained |
|---|---|
| 6th April 1950 to 5th May 1950 | 6th May 2010 |
| 6th May 1950 to 5th June 1950 | 6th July 2010 |
| 6th June 1950 to 5th July 1950 | 6th September 2010 |
| 6th July 1950 to 5th August 1950 | 6th November 2010 |
| 6th August 1950 to 5th September 1950 | 6th January 2011 |
| 6th September 1950 to 5th October 1950 | 6th March 2011 |
| 6th October 1950 to 5th November 1950 | 6th May 2011 |
| 6th November 1950 to 5th December 1950 | 6th July 2011 |
| 6th December 1950 to 5th January 1951 | 6th September 2011 |
| 6th January 1951 to 5th February 1951 | 6th November 2011 |
| 6th February 1951 to 5th March 1951 | 6th January 2012 |
| 6th March 1951 to 5th April 1951 | 6th March 2012 |
| 6th April 1951 to 5th May 1951 | 6th May 2012 |
| 6th May 1951 to 5th June 1951 | 6th July 2012 |
| 6th June 1951 to 5th July 1951 | 6th September 2012 |
| 6th July 1951 to 5th August 1951 | 6th November 2012 |
| 6th August 1951 to 5th September 1951 | 6th January 2013 |
| 6th September 1951 to 5th October 1951 | 6th March 2013 |
| 6th October 1951 to 5th November 1951 | 6th May 2013 |
| 6th November 1951 to 5th December 1951 | 6th July 2013 |
| 6th December 1951 to 5th January 1952 | 6th September 2013 |
| 6th January 1952 to 5th February 1952 | 6th November 2013 |
| 6th February 1952 to 5th March 1952 | 6th January 2014 |
| 6th March 1952 to 5th April 1952 | 6th March 2014 |
| 6th April 1952 to 5th May 1952 | 6th May 2014 |
| 6th May 1952 to 5th June 1952 | 6th July 2014 |
| 6th June 1952 to 5th July 1952 | 6th September 2014 |
| 6th July 1952 to 5th August 1952 | 6th November 2014 |
| 6th August 1952 to 5th September 1952 | 6th January 2015 |
| 6th September 1952 to 5th October 1952 | 6th March 2015 |
| 6th October 1952 to 5th November 1952 | 6th May 2015 |
| 6th November 1952 to 5th December 1952 | 6th July 2015 |
| 6th December 1952 to 5th January 1953 | 6th September 2015 |
| 6th January 1953 to 5th February 1953 | 6th November 2015 |
| 6th February 1953 to 5th March 1953 | 6th January 2016 |
| 6th March 1953 to 5th April 1953 | 6th March 2016 |
| [F96th April 1953 to 5th May 1953 | 6th July 2016] |
| [F96th May 1953 to 5th June 1953 | 6th November 2016] |
| [F96th June 1953 to 5th July 1953 | 6th March 2017] |
| [F96th July 1953 to 5th August 1953 | 6th July 2017] |
| [F96th August 1953 to 5th September 1953 | 6th November 2017] |
| [F96th September 1953 to 5th October 1953 | 6th March 2018] |
| [F96th October 1953 to 5th November 1953 | 6th July 2018] |
| [F96th November 1953 to 5th December 1953 | 6th November 2018] |
(5)
[F10A person born on any day in a period mentioned in column 1 of table 2 attains pensionable age at the commencement of the day shown against that period in column 2.
[F11TABLE 2
| (1) | (2) |
|---|---|
| Period within which birthday falls | Day pensionable age attained |
| 6th December 1953 to 5th January 1954 | 6th March 2019 |
| 6th January 1954 to 5th February 1954 | 6th May 2019 |
| 6th February 1954 to 5th March 1954 | 6th July 2019 |
| 6th March 1954 to 5th April 1954 | 6th September 2019 |
| 6th April 1954 to 5th May 1954 | 6th November 2019 |
| 6th May 1954 to 5th June 1954 | 6th January 2020 |
| 6th June 1954 to 5th July 1954 | 6th March 2020 |
| 6th July 1954 to 5th August 1954 | 6th May 2020 |
| 6th August 1954 to 5th September 1954 | 6th July 2020 |
| 6th September 1954 to 5th October 1954 | 6th September 2020] |
(6)
A person born after [F125th October 1954] but before [F136th April 1960] attains pensionable age when the person attains the age of 66.
(7)
[F14A person born on any day in a period mentioned in column 1 of table 3 attains pensionable age when the person attains the age shown against that period in column 2.
TABLE 3
| (1) | (2) |
|---|---|
| Period within which birthday falls | Age pensionable age attained |
| 6th April 1960 to 5th May 1960 | 66 years and 1 month |
| 6th May 1960 to 5th June 1960 | 66 years and 2 months |
| 6th June 1960 to 5th July 1960 | 66 years and 3 months |
| 6th July 1960 to 5th August 1960 | 66 years and 4 months |
| 6th August 1960 to 5th September 1960 | 66 years and 5 months |
| 6th September 1960 to 5th October 1960 | 66 years and 6 months |
| 6th October 1960 to 5th November 1960 | 66 years and 7 months |
| 6th November 1960 to 5th December 1960 | 66 years and 8 months |
| 6th December 1960 to 5th January 1961 | 66 years and 9 months |
| 6th January 1961 to 5th February 1961 | 66 years and 10 months |
| 6th February 1961 to 5th March 1961 | 66 years and 11 months |
(7A)
For the purposes of table 3—
(a)
a person born on 31st July 1960 is to be taken to attain the age of 66 years and 4 months at the commencement of 30th November 2026;
(b)
a person born on 31st December 1960 is to be taken to attain the age of 66 years and 9 months at the commencement of 30th September 2027;
(c)
a person born on 31st January 1961 is to be taken to attain the age of 66 years and 10 months at the commencement of 30th November 2027.]
(8)
A person born after [F155th March 1961] but before 6th April 1977 attains pensionable age when the person attains the age of 67.
(9)
A person born on any day in a period mentioned in column 1 of table 4 attains pensionable age at the commencement of the day shown against that period in column 2.
TABLE 4
| (1) | (2) |
|---|---|
| Period within which birthday falls | Day pensionable age attained |
| 6th April 1977 to 5th May 1977 | 6th May 2044 |
| 6th May 1977 to 5th June 1977 | 6th July 2044 |
| 6th June 1977 to 5th July 1977 | 6th September 2044 |
| 6th July 1977 to 5th August 1977 | 6th November 2044 |
| 6th August 1977 to 5th September 1977 | 6th January 2045 |
| 6th September 1977 to 5th October 1977 | 6th March 2045 |
| 6th October 1977 to 5th November 1977 | 6th May 2045 |
| 6th November 1977 to 5th December 1977 | 6th July 2045 |
| 6th December 1977 to 5th January 1978 | 6th September 2045 |
| 6th January 1978 to 5th February 1978 | 6th November 2045 |
| 6th February 1978 to 5th March 1978 | 6th January 2046 |
| 6th March 1978 to 5th April 1978 | 6th March 2046 |
(10)
A person born after 5th April 1978 attains pensionable age when the person attains the age of 68.]
Textual Amendments
F4Words in Sch. 4 para. 1 rule (1) inserted (26.9.2007) by Pensions Act 2007 (c. 22), s. 30(3), Sch. 3 para. 4(2)
F5Words in Sch. 4 para. 1 rule (1) substituted (3.1.2012) by Pensions Act 2011 (c. 19), ss. 1(2), 38(3)(a)
F6Words in Sch. 4 para. 1 rule (3) substituted (26.9.2007) by Pensions Act 2007 (c. 22), s. 30(3), Sch. 3 para. 4(3)
F7Sch. 4 para. 1 rule (4) omitted (3.1.2012) by virtue of Pensions Act 2011 (c. 19), ss. 1(3), 38(3)(a)
F8Sch. 4 para. 1 table heading substituted (26.9.2007) by Pensions Act 2007 (c. 22), s. 30(3), Sch. 3 para. 4(5)
F9Sch. 4 para. 1 Table 1 entries substituted (3.1.2012) by virtue of Pensions Act 2011 (c. 19), ss. 1(4), 38(3)(a)
F10Sch. 4 para. 1 rules (5)-(10) inserted (26.9.2007) by Pensions Act 2007 (c. 22), s. 30(3), Sch. 3 para. 4(6)
F11Sch. 4 para. 1 Table 2 substituted (3.1.2012) by virtue of Pensions Act 2011 (c. 19), ss. 1(5), 38(3)(a)
F12Words in Sch. 4 para. 1 rule (6) substituted (3.1.2012) by Pensions Act 2011 (c. 19), ss. 1(6), 38(3)(a)
F13Words in Sch. 4 para. 1 rule (6) substituted (14.7.2014) by Pensions Act 2014 (c. 19), ss. 26(2), 56(3)(a)
F14Sch. 4 para. 1 rules (7)(7A) substituted for Sch. 4 para. 1 rule (7) and Table 3 (14.7.2014) by Pensions Act 2014 (c. 19), ss. 26(3), 56(3)(a)
F15Words in Sch. 4 para. 1 rule (8) substituted (14.7.2014) by Pensions Act 2014 (c. 19), ss. 26(4), 56(3)(a)
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