The UK Rules
'Follow the Regulations'
Working Past State Pension Age

Working after the State Pension Age

The law no longer forces you to give up work simply because you reach State Pension age. So, you can continue working after State Pension age and still get your pension.

DEFAULT RETIREMENT AGE: This page explains the process for working while taking your pension.

Now that the United Kingdom has no official retirement age, how long can you work?

What are some advantages of working past your State Pension age?

There will be changes to taxation and National Insurance contributions.

You may have options for flexible or part-time working. Even so, remember that your discrimination rights still apply.

The 'default retirement age' used to be 65 and it was a forced retirement age. But, it no longer exists in the United Kingdom.

As a rule, you may carry on working for as long as you want to - and are physically able to. Many older folks find advantages in flexible working arrangements or part-time work. But, employers have the right to reject this type of request.

Compulsory Retirement Age

There are some situations where employers can force their workers to retire at a certain age. This is better known as a 'compulsory retirement age'. But, there must be a valid reason for forcing an employee to retire. Some typical examples include:

Unlawful Discriminatory Treatment

Discrimination laws also protect those who are working after State Pension age. For example, you do not need to give your date of birth if you apply for a new job. You can make a claim to an employment tribunal if you feel an employer has given you unlawful treatment.

Note: Your rights are protected from some types of prejudicial or unjust discrimination 'protected characteristics' in the United Kingdom.

Claiming a Pension while Working

As a rule, you can still claim your pension while you continue working, providing already reached:

State Pension

Those who delay or defer taking the State Pension will get larger weekly payments when they take it.

Workplace Pension

Reducing how many hours you work can affect the amount you get from an occupational pension. Your employer will confirm if this applies to you. You should also check what will happen if you carry on working beyond the age that you can take it.

National Insurance and Taxation

Working past State Pension age means you do not pay National Insurance contributions. Even so, you may need to pay Income Tax after State Pension age. It depends most on the amount of your total earnings.

Working after State Pension age in the United Kingdom