New 明言する／公表する 年金 age: As we're all told to work longer, when will you be able to retire?
Here's what you need to know about the 現在の 明言する／公表する 年金 age of 66 and 未来 changes, so you can find out when you will be 許すd to retire.?
Happy 退職: But how long will you have to wait for your 明言する／公表する 年金?
What is the 明言する／公表する 年金 age and why is it rising?
For １０年間s, the age at which you could （人命などを）奪う，主張する your 明言する／公表する 年金 利益s was 65 for men and 60 for women.
But 抱擁する jumps in life 見込み saw costs shoot up for the 財務省, which is 支払う／賃金ing some pensioners for more years in 退職 than they spent 支払う／賃金ing 国家の 保険 as 労働者s.
Admittedly, life 見込み 伸び（る）s 予測（する）s are lower of late, though only after rising for many years and probably 存在 skewed by the pandemic.
As things stand now, men and women's 明言する／公表する 年金 age is 66, and between 2026 and 2028 it will rise again to 67. (In 2028, the 最小限 年金 age for 接近ing workplace and other 私的な 退職 貯金 will also go up, from 55 to 57.)
However, the タイミング of the next 明言する／公表する 年金 age rise to 68 remains up in the 空気／公表する.?
公式に, it's scheduled to happen between 2044 and 2046, which would 影響する／感情 those born on or after April 1977.?
But a previous 政府 review already recommended the change should be brought 今後 to 2037-2039.?
There were rumours that it was considering 急いでing the age 増加する to 2035,?hitting those 老年の between 概略で 43 and 54 now - 誘発するing 警告s that ill and poor people and carers would 耐える the brunt.
However, the 政府 has now 延期するd a 決定／判定勝ち（する） on 引き上げ（る）ing the 明言する／公表する 年金 age to 68 until after the next 総選挙, probably for 恐れる of a 猛烈な／残忍な （激しい）反発 by 投票者s.?
But the 明言する／公表するd reaso n is the 現在の level of 不確定 about the data on life 見込み, 労働 markets and the public 財政／金融s.
Another review will now be 行為／行うd, probably in 2026. That means if the 政府 gives 10 years' notice of any rise, a 引き上げ（る） to 68 could still happen in 2036.?
Former 年金s 大臣 Steve Webb,??who is now a partner at LCP, 追加するs that there could be a sting in the tail because the most 最近の review has argued that there should be a cap of 6 per cent of GDP on the total level of 明言する／公表する 年金 spending.
'If this 支配する was 器具／実施するd, 明言する／公表する 年金 age would rise from 68 to 69 between 2046 and 2048,' he 警告するs. 'Anyone born after 1979 would therefore have a 年金 age of at least 69. As the 全住民 ages, this new 支配する would 暗示する even その上の 増加するs in 明言する／公表する 年金 ages or 削減s in the value of 明言する／公表する 年金s.
'This would be a draconian 転換 in 政策 which would be likely to mean today’s younger 労働者s 直面するing a 年金 age of 70 or above.'
The exact date that you get your 明言する／公表する 年金 will depend on the year you were born. You can work this out using the 明言する／公表する 年金 calculator.??
Why is there 論争 over women' s 明言する／公表する 年金 age 増加するs??
Many women born in the 1950s have 直面するd 財政上の hardship while they wait longer than they 推定する／予想するd to draw the 明言する／公表する 年金.
A 見解／翻訳／版 of the 計画（する）s to equalise men and women's 明言する／公表する 年金 age was 輪郭（を描く）d in 1995, when the then 保守的な 政府 明言する／公表するd the 意向 of 徐々に raising women's 退職 age to 65 between 2010 and 2020.
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- Why did DWP say my mum, 90, was 借りがあるd £60k in 明言する／公表する 年金 - when that was 誤った?
- How do I 跡をつける 負かす／撃墜する a long lost 年金? Steve Webb's five 最高の，を越す tips for finding old マリファナs
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- I paid NI for 45 years so don't I get a 十分な 明言する／公表する 年金 - please explain?
- I'm 84 and don't have a 国家の 保険 number - can I get a 明言する／公表する 年金?
- I've got £213,000 in my 年金 マリファナ, what do I need to do before I 攻撃する，衝突する 75?
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This was followed in 2007 by a 労働 告示 that both men and women would see their 退職 age go up to 66 between 2024 and and 2026.
But in 2011, （ドイツなどの）首相／（大学の）学長 George Osborne brought 今後 the タイミング of both changes to 2018 and 2020 それぞれ, hitting women 特に hard because their 増加するs happened both sooner than 推定する／予想するd and in quick succession.
最初, the 精密検査する 含むd a cap of a 最大限 two years' extra wait for a 明言する／公表する 年金, but 抗議するs led to the cap 存在 減ずるd to 18 months.
Some 2.6million women got five years' notice of a 延期する to their 年金 age.
The Women Against 明言する／公表する 年金 不平等 or WASPI （選挙などの）運動をする says it agrees with equalising women's and men's 年金 ages, but not the '不公平な' way the changes were 器具／実施するd. It is fighting for 対策 to cushion the 財政上の blow.
A separate group, BackTo60, brought a 合法的な challenge but this was 解任するd by the 法廷，裁判所 of 控訴，上告 in September 2020.?
The 議会の Ombudsman then?（刑事）被告 the 政府 of 'maladministration' over 延期するs to 知らせるing women about the changes.?
It has told the 政府 to 補償する women for failing to adequately 知らせる them their 明言する／公表する 年金 age was 延期するd.
The Ombudsman has recommended those 影響する／感情d should receive £1,000 to £2,950 in 補償（金）, which it says would cost £3.5 to £10.5billion if paid to all women born in the 1950s.?
It has asked 議会 to 介入する and 速く 始める，決める up a 補償（金） 計画／陰謀, over the 長，率いる of the Department for Work and 年金s which has 辞退するd to do so.?
It remains 不明瞭な whether the 政府 will ever stump up 補償（金） to women, many of whom have struggled financially because they were unaware of the 延期する in when they could draw a 明言する／公表する 年金.?
Who can get a 明言する／公表する 年金??
Not everyone is する権利を与えるd to the 十分な 明言する／公表する 年金, which is a 正規の／正選手 支払い（額） from the 政府 until you die. 適格（性） depends on 会合 確かな 基準.
同様に as 存在 the 要求するd age, you must have made 国家の 保険 出資／貢献s during your working life, or have paid voluntary 国家の 保険, or received credits from the 政府 for years spent caring or other 問題／発行するs.
Until A pril 2016, 労働者s needed to have 30 years of qualifying 国家の 保険 出資／貢献s to get the 十分な basic 明言する／公表する 年金, but everyone retiring since then needs 35 years of 出資／貢献s to get the new flat 率 明言する／公表する 年金.?
However, even if you paid in 十分な for a whole 35 years, if you 契約d out of 支払う／賃金ing?付加 明言する／公表する 年金 entitlements - S2P and Serps -?for some years on 最高の，を越す of that it might still 減ずる what you get.
How much is the 明言する／公表する 年金??
The 十分な flat 率 明言する／公表する 年金 is £221.20 a week or an 年次の £11,500.?
People who retired before April 2016 on a 十分な basic 明言する／公表する 年金 receive £169.50 a week or £8,800 a year.?
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The old basic 率 is topped up by 付加 明言する／公表する 年金 entitlements - S2P and Serps - 供給するd they were earned during working years.
People who have 契約d out of S2P and Serps to 支払う／賃金 いっそう少なく 国家の 保険 over the years and retire after April 2016 might get いっそう少なく than the 十分な new 明言する／公表する 年金, unless they （不足などを）補う the years in NI 出資／貢献s.?
The 明言する／公表する 年金 増加するs every year によれば the ３倍になる lock, which means whichever is the highest of 収入s growth, the インフレーション 率 or 2.5 per cent.
However, the 政府 dropped the 収入s element from the April?2022? rise, because 行う growth was 一時的に distorted to more than 8 per cent 予定 to the pandemic.
It 回避するd a furious （激しい）反発 from pensioners by 確認するing the 10.1 per cent 明言する／公表する 年金 rise, based on the 急に上がるing 率 of インフレーション, from April 2023.
It kept its 約束 again by 増加するing the 明言する／公表する 年金 by 8.5 per cent from April 2024. That was based on the 収入s growth element which was highest this time.
How do you 改善する your 明言する／公表する 年金??
Everyone gets the 選択 of deferring their 明言する／公表する 年金 to get more in their later years, and of filling in gaps in their NI 記録，記録的な／記録する or buying 最高の，を越す-ups.
If you 延期するd in the past, the 支配するs were more generous, but if you reached 明言する／公表する 年金 age since 2016 you still get the 選択 of an 増加するd 明言する／公表する 年金 for the 残り／休憩（する） of your life.
If you defer for at least nine weeks, your 明言する／公表する 年金 will get a 上げる for every week you defer, by the 同等（の） of 1 per cent every nine weeks or 5.8 per cent every 52 weeks.?
Also, you can stop （人命などを）奪う，主張するing the 明言する／公表する 年金 after doing so for a period, and therefore get a 上げる at the 率s above, but only once.?
If you carry on working after 明言する／公表する 年金 age, you don't have to carry on 支払う／賃金ing 国家の 保険 出資／貢献s.
Pensioners on a low income might qualify for 年金 credit. This 最高の，を越すs up 週刊誌 income to a 最小限 of £218.15 for 選び出す／独身 people and £332.95 for couples.
