What happens if you straddle pension age increase?

FIREDreamer

Logan72 said:

But whereas the state pension age increase from 66 to 67 happens gradually between April 2026 and April 2028, the rise in the NMPA will happen overnight on 6 April 2028.

Still shocking everytime I read it.

Marcon said:

You've now made five posts today on the same topic. It'll be the same answer each time, so maybe stick to one post?

Think he’s on a run.

Silvertabby

The last increase (50 to 55 in 2010) wasn't staggered, so there's zilch chance of this one being tapered.

barnstar2077

Silvertabby said:

The last increase (50 to 55 in 2010) wasn't staggered, so there's zilch chance of this one being tapered.

I had forgotten just how brutal that must have been for some people!

I really wished they could have increased these sorts of things a lot slower and earlier.  Better to know when you leave school and get a job that you will have to do an extra year than they just keep moving the goalposts.

FIREDreamer

barnstar2077 said:

Silvertabby said:

The last increase (50 to 55 in 2010) wasn't staggered, so there's zilch chance of this one being tapered.

I had forgotten just how brutal that must have been for some people!

I really wished they could have increased these sorts of things a lot slower and earlier.  Better to know when you leave school and get a job that you will have to do an extra year than they just keep moving the goalposts.

Arguably worse than brutal - I don’t think there was 10 years warning of this. The increase from 50 to 55 was announced as part of pensions simplification (ha!) of April 2006 so only 4 years notice (plus any time between simplification announcement and implementation I suppose).

Silvertabby

FIREDreamer said:

barnstar2077 said:

Silvertabby said:

The last increase (50 to 55 in 2010) wasn't staggered, so there's zilch chance of this one being tapered.

I had forgotten just how brutal that must have been for some people!

I really wished they could have increased these sorts of things a lot slower and earlier.  Better to know when you leave school and get a job that you will have to do an extra year than they just keep moving the goalposts.

Arguably worse than brutal - I don’t think there was 10 years warning of this. The increase from 50 to 55 was announced as part of pensions simplification (ha!) of April 2006 so only 4 years notice (plus any time between simplification announcement and implementation I suppose).

It was a real shock to some LGPS members, aged between 50 and 54 plus, who were made redundant in April 2010 onwards and who expected to receive their (unreduced) pensions immediately.  

af1963

Logan72 said:

But whereas the state pension age increase from 66 to 67 happens gradually between April 2026 and April 2028, the rise in the NMPA will happen overnight on 6 April 2028.

Still shocking everytime I read it.

Would you be happier if it was also phased in starting in April 2026 ? ( Or earlier, since state pension age has already gone up by one year.)

BlackKnightMonty

I wonder what the minimum will be when I look to retire…

eskbanker

BlackKnightMonty said:

I wonder what the minimum will be when I look to retire…

Not sure that this is the thread for yet more speculative doom-mongering!

bownyboy

So I emailed my MP about this and they sent the following reply from the DWP:

Thank you for your email of 10 September 2025 to the Department for Work and Pensions on behalf of your constituent about personal pensions. This has been passed to HMRC and I am replying as I have policy responsibility for Income Tax in HMRC.

I want to assure your constituent the legislation to increase the Normal Minimum Pension Age (NMPA) will include transitional rules to protect people who were born between 5 April 1971 and 5 April 1973, and who have already become entitled to, and started to receive their pension. People in these circumstances will be entitled to continue receiving their pension benefits after 5 April 2028, subject to the specific rules of their pension scheme.

Although the legislation provides the minimum age at which benefits can be taken, it needs to be considered in conjunction with the rules of the pension scheme. They will state what benefits can be taken and the age at which they can be taken from. The age at which they can be taken from in the scheme rules may be higher than the NMPA. For this reason, for specific advice on your constituent’s entitlement and the rules of their pension scheme, including how the legislative changes and transitional rules may interact with their pension scheme rules, we would encourage them to stay in dialogue with their pension scheme when final legislation and guidance is published.

Work on the transitional rules for the increase in the NMPA is ongoing. The government will bring forward the necessary legislative changes in due course. Similar provisions were implemented when the normal minimum increased from age 50 to 55 in 2010.

Although designed for the pension schemes industry, your constituent can find more

information at::

• www.gov.uk/government/collections/hm-revenue-and-customs-pension-schemes-newsletters

• www.gov.uk/government/publications/pension-schemes-newsletter-142-august-2022/newsletter-142-august-2022#normal-minimum-pension-age.

In addition, your constituent may find the following policy announcement useful:

• www.gov.uk/government/publications/increasing-normal-minimum-pension-age/increasing-normal-minimum-pension-age.

I hope this helps you to reply to your constituent.

Yours sincerely,

Director, Individuals Policy Directorate

Sea_Shell

bownyboy said:

I want to assure your constituent the legislation to increase the Normal Minimum Pension Age (NMPA) will include transitional rules to protect people who were born between 5 April 1971 and 5 April 1973, and who have already become entitled to, and started to receive their pension. People in these circumstances will be entitled to continue receiving their pension benefits after 5 April 2028, subject to the specific rules of their pension scheme.

The word AND jumped out at me.   

So, unless I'm missing it, this doesn't clarify what happens to someone who will turn 55, but doesn't start to claim their pension immediately on hitting 55.