The state pension age is currently 66 for both men and women but is increasing to 67 between April 2026 and April 2028.
State pension figures reveal a huge disparity in the amount people receive depending on where they live in the UK. The state pension age is currently 66 for both men and women, but this will rise to 67 between April 2026 and April 2028.
Experts at pension provider Standard Life compared the 67 access age with life expectancy for men and women across the UK, to work out how many years’ state pension payments people will get. Women in the affluent London area of Kensington and Chelsea have the highest life expectancy at over 86, in stark contrast to men in Blackpool, who live the shortest lives at just over 73.
This means that women in Kensington and Chelsea receive nearly 20 years of state pension payments, while men in Blackpool get just over six years’ worth. With the full new state pension expected to increase to £241.30 a week or £12,547 a year, this could result in a difference of more than £165,000 in payments.
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Catherine Foot, director of the Standard Life Centre for the Future of Retirement, said: “While raising the state pension age further and faster than currently planned would impact everyone, it’s clear that the impact wouldn’t be felt equally, given the wide variations we see in life expectancy across the country.
“What’s more, in some parts of the UK, people are more likely to stop working earlier due to health conditions, disabilities or caring responsibilities – meaning they may struggle to reach the age at which the benefit becomes available.
“These structural inequalities deserve close attention in the current independent review of the state pension age and future policy debates that follow it.”
The state pension age is scheduled to rise to 68 between 2044 and 2046. A previous review of the policy recommended accelerating the timetable for this increase.
Labour announced this year there would be another independent review of the state pension age, examining where it should be set.
This is how long men will get the state pension, depending on the region where they live:
- Blackpool 6.14
- Glasgow City 6.59
- West Dunbartonshire 7.29
- Dundee City 7.63
- North Ayrshire 7.89
- North Lanarkshire 7.91
- East Ayrshire 8.23
- Manchester 8.24
- Kingston upon Hull, City of 8.3
- Merthyr Tydfil / Merthyr Tudful 8.39
- Inverclyde 8.46
- Burnley 8.47
- Middlesbrough 8.52
- Blackburn with Darwen 8.62
- Lincoln 8.76
- Clackmannanshire 8.76
- Liverpool 8.86
- Blaenau Gwent / Blaenau Gwent 9
- Renfrewshire 9.1
- Hyndburn 9.11
- Falkirk 9.18
- Nottingham 9.23
- Salford 9.25
- Preston 9.26
- Sandwell 9.28
- Stoke-on-Trent 9.31
- Knowsley 9.33
- South Lanarkshire 9.33
- Na h-Eileanan Siar 9.38
- Leicester 9.45
- Tameside 9.49
- Sunderland 9.49
- Rochdale 9.52
- Barnsley 9.54
- Caerphilly / Caerffili 9.58
- Birmingham 9.61
- Oldham 9.62
- Hartlepool 9.66
- South Ayrshire 9.66
- South Tyneside 9.67
- Gateshead 9.67
- Hastings 9.68
- Bolton 9.73
- Neath Port Talbot / Castell-nedd Port Talbot 9.74
- St. Helens 9.75
- Boston 9.82
- Bradford 9.83
- West Lothian 9.85
- Dumfries and Galloway 9.87
- Bolsover 9.89
- Ashfield 9.92
- Doncaster 9.93
- Aberdeen City 9.93
- Wolverhampton 9.96
- Redcar and Cleveland 10.01
- Slough 10.06
- Fife 10.06
- Halton 10.08
- Mansfield 10.09
- Swansea / Abertawe 10.1
- Rhondda Cynon Taf / Rhondda Cynon Taf 10.1
- Rossendale 10.11
- Great Yarmouth 10.11
- Wrexham / Wrecsam 10.19
- East Lindsey 10.26
- Wigan 10.26
- Barking and Dagenham 10.29
- Thanet 10.35
- Coventry 10.36
- Walsall 10.37
- Cumberland 10.38
- Newcastle upon Tyne 10.38
- Hackney 10.38
- Highland 10.38
- County Durham 10.4
- Lancaster 10.42
- Tendring 10.45
- Bury 10.45
- Wirral 10.46
- Wakefield 10.46
- North East Lincolnshire 10.48
- Newport / Casnewydd 10.51
- Portsmouth 10.54
- Moray 10.55
- Luton 10.57
- Fenland 10.57
- Denbighshire / Sir Ddinbych 10.6
- Darlington 10.62
- Calderdale 10.62
- Derby 10.67
- Pendle 10.69
- North Tyneside 10.69
- Torfaen / Tor-faen 10.71
- Peterborough 10.75
- Rotherham 10.8
- Midlothian 10.8
- Folkestone and Hythe 10.82
- Newham 10.83
- City of Edinburgh 10.83
- Norwich 10.84
- Southampton 10.86
- Kirklees 10.89
- Chesterfield 10.9
- Gloucester 10.91
- Bridgend / Pen-y-bont ar Ogwr 11
- Tower Hamlets 11.01
- Sefton 11.03
- Medway 11.04
- Gravesham 11.04
- Nuneaton and Bedworth 11.06
- North Lincolnshire 11.07
- Thurrock 11.1
- Bristol, City of 11.14
- Stockton-on-Tees 11.17
- Islington 11.18
- North Warwickshire 11.19
- Erewash 11.21
- Angus 11.22
- Telford and Wrekin 11.26
- Swale 11.26
- Dover 11.28
- Chorley 11.29
- Stirling 11.29
- Cardiff / Caerdydd 11.29
- Torbay 11.3
- Argyll and Bute 11.3
- Leeds 11.32
- Worcester 11.36
- Lewisham 11.37
- Carmarthenshire / Sir Gaerfyrddin 11.37
- Cannock Chase 11.42
- Sheffield 11.43
- Plymouth 11.45
- Southend-on-Sea 11.45
- South Holland 11.47
- Wyre Forest 11.47
- Pembrokeshire / Sir Benfro 11.47
- Newcastle-under-Lyme 11.48
- Dudley 11.56
- Wyre 11.57
- Bassetlaw 11.62
- Hammersmith and Fulham 11.62
- Isle of Anglesey / Ynys Môn 11.62
- Harlow 11.64
- North Northamptonshire 11.65
- Shetland Islands 11.65
- Orkney Islands 11.66
- Flintshire / Sir y Fflint 11.66
- Warrington 11.68
- Scottish Borders 11.71
- Bedford 11.72
- Conwy / Conwy 11.73
- Brighton and Hove 11.75
- Northumberland 11.75
- Reading 11.77
- Perth and Kinross 11.81
- East Lothian 11.82
- Eastbourne 11.83
- Lambeth 11.85
- West Lindsey 11.86
- North Devon 11.88
- Tamworth 11.88
- Greenwich 11.88
- Amber Valley 11.9
- Southwark 11.91
- East Staffordshire 11.92
- West Lancashire 12
- Ipswich 12.03
- Fylde 12.04
- Exeter 12.06
- Newark and Sherwood 12.06
- Redditch 12.08
- Waltham Forest 12.12
- Isle of Wight 12.17
- Gosport 12.2
- Haringey 12.25
- Aberdeenshire 12.26
- Canterbury 12.27
- Watford 12.28
- Stockport 12.28
- Bournemouth, Christchurch and Poole 12.29
- Forest of Dean 12.32
- Worthing 12.32
- Arun 12.33
- Gwynedd / Gwynedd 12.33
- King’s Lynn and West Norfolk 12.36
- Trafford 12.38
- Cornwall 12.39
- Croydon 12.39
- Dartford 12.41
- Rushmoor 12.42
- Hillingdon 12.43
- Cheshire West and Chester 12.44
- West Northamptonshire 12.44
- Rugby 12.44
- Brent 12.45
- Powys / Powys 12.48
- Basildon 12.49
- North East Derbyshire 12.5
- Gedling 12.51
- Charnwood 12.57
- Stevenage 12.59
- Ealing 12.59
- Swindon 12.61
- Westmorland and Furness 12.64
- High Peak 12.66
- Braintree 12.7
- Castle Point 12.7
- Hounslow 12.7
- Cheltenham 12.71
- Colchester 12.72
- Staffordshire Moorlands 12.72
- Vale of Glamorgan / Bro Morgannwg 12.73
- Crawley 12.74
- York 12.77
- Solihull 12.77
- East Riding of Yorkshire 12.84
- Havering 12.85
- Milton Keynes 12.87
- Havant 12.88
- South Ribble 12.88
- Bexley 12.88
- Ceredigion / Ceredigion 12.9
- North West Leicestershire 12.91
- Breckland 12.91
- Warwick 12.91
- South Kesteven 12.93
- Wychavon 12.94
- Herefordshire, County of 12.95
- Melton 12.95
- Maidstone 12.97
- Hinckley and Bosworth 12.98
- Broxtowe 12.99
- Somerset 13
- Chichester 13
- South Derbyshire 13.01
- Cheshire East 13.03
- Runnymede 13.06
- West Devon 13.07
- Redbridge 13.07
- Ashford 13.12
- Shropshire 13.15
- Cambridge 13.15
- South Staffordshire 13.16
- Bromsgrove 13.26
- Oadby and Wigston 13.27
- East Dunbartonshire 13.27
- Epping Forest 13.3
- Malvern Hills 13.3
- Camden 13.3
- North Yorkshire 13.31
- North Norfolk 13.32
- Rother 13.34
- Merton 13.34
- Wandsworth 13.34
- Stafford 13.35
- Oxford 13.36
- East Suffolk 13.36
- Central Bedfordshire 13.37
- Monmouthshire / Sir Fynwy 13.37
- Broxbourne 13.38
- Lewes 13.39
- Derbyshire Dales 13.43
- Sutton 13.44
- Enfield 13.48
- Spelthorne 13.52
- North Kesteven 13.55
- Rochford 13.6
- Torridge 13.64
- Welwyn Hatfield 13.64
- Tonbridge and Malling 13.66
- Cherwell 13.68
- Dacorum 13.7
- Hertsmere 13.71
- Tunbridge Wells 13.71
- Teignbridge 13.77
- Mid Suffolk 13.79
- North Somerset 13.81
- West Suffolk 13.81
- South Norfolk 13.82
- Woking 13.83
- Adur 13.84
- Chelmsford 13.86
- Dorset 13.91
- Lichfield 13.91
- Blaby 13.92
- Maldon 13.96
- Epsom and Ewell 13.97
- East Renfrewshire 13.97
- Stroud 13.99
- Harborough 13.99
- Bracknell Forest 14.02
- North Hertfordshire 14.02
- Wiltshire 14.03
- Huntingdonshire 14.06
- South Gloucestershire 14.09
- Mid Devon 14.09
- Tewkesbury 14.09
- Ribble Valley 14.12
- Mid Sussex 14.13
- Broadland 14.16
- Stratford-on-Avon 14.19
- Buckinghamshire 14.22
- Reigate and Banstead 14.24
- Brentwood 14.29
- West Berkshire 14.3
- Bath and North East Somerset 14.33
- Test Valley 14.33
- Windsor and Maidenhead 14.34
- Rushcliffe 14.34
- Westminster 14.34
- Harrow 14.36
- Kingston upon Thames 14.36
- Cotswold 14.38
- Eastleigh 14.39
- Vale of White Horse 14.39
- East Hertfordshire 14.42
- Basingstoke and Deane 14.45
- Fareham 14.47
- Tandridge 14.47
- Three Rivers 14.5
- Bromley 14.53
- Kensington and Chelsea 14.54
- Rutland 14.6
- New Forest 14.62
- Babergh 14.63
- East Devon 14.65
- West Oxfordshire 14.66
- Barnet 14.66
- Sevenoaks 14.67
- Wealden 14.88
- Guildford 14.95
- South Oxfordshire 14.96
- Horsham 14.97
- Winchester 15
- St Albans 15.01
- East Cambridgeshire 15.02
- East Hampshire 15.1
- South Hams 15.14
- Elmbridge 15.18
- Mole Valley 15.2
- Surrey Heath 15.3
- Waverley 15.38
- South Cambridgeshire 15.47
- Richmond upon Thames 15.48
- Wokingham 15.54
- Uttlesford 15.96
- Hart 16.44.
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This is how long women will get the state pension, depending on the region where they live:
- Glasgow City 11.26
- East Ayrshire 11.58
- North Lanarkshire 11.69
- Blackpool 11.93
- Blaenau Gwent / Blaenau Gwent 11.98
- West Dunbartonshire 12.17
- Dundee City 12.18
- North Ayrshire 12.31
- Knowsley 12.5
- Inverclyde 12.61
- Manchester 12.64
- Falkirk 12.68
- Liverpool 12.69
- Merthyr Tydfil / Merthyr Tudful 12.85
- Middlesbrough 12.89
- Hartlepool 12.91
- Hyndburn 12.95
- Clackmannanshire 12.97
- Burnley 13.07
- Stoke-on-Trent 13.08
- Blackburn with Darwen 13.12
- Kingston upon Hull, City of 13.16
- South Lanarkshire 13.32
- Caerphilly / Caerffili 13.36
- Barnsley 13.49
- St. Helens 13.5
- Oldham 13.5
- Halton 13.54
- Bolsover 13.55
- Tameside 13.55
- Renfrewshire 13.61
- Leicester 13.62
- Nottingham 13.62
- Fife 13.69
- West Lothian 13.75
- South Tyneside 13.79
- Sandwell 13.82
- Dumfries and Galloway 13.85
- Salford 13.85
- Aberdeen City 13.86
- Denbighshire / Sir Ddinbych 13.87
- Rotherham 13.88
- North East Lincolnshire 13.9
- Wolverhampton 13.9
- Rochdale 13.9
- Wigan 13.93
- Hastings 13.93
- Sunderland 13.93
- County Durham 13.94
- Doncaster 14.02
- Neath Port Talbot / Castell-nedd Port Talbot 14.03
- Lincoln 14.03
- Barking and Dagenham 14.04
- Rhondda Cynon Taf / Rhondda Cynon Taf 14.04
- Redcar and Cleveland 14.1
- South Ayrshire 14.1
- East Lindsey 14.11
- Na h-Eileanan Siar 14.17
- Mansfield 14.21
- Angus 14.22
- Preston 14.25
- Rossendale 14.27
- Bury 14.29
- Torfaen / Tor-faen 14.3
- Birmingham 14.3
- Bolton 14.33
- Wakefield 14.34
- Chesterfield 14.35
- Pendle 14.39
- Darlington 14.42
- Bradford 14.42
- Gateshead 14.43
- Ashfield 14.44
- Cumberland 14.48
- Derby 14.57
- Tendring 14.57
- Newport / Casnewydd 14.59
- Peterborough 14.6
- Walsall 14.6
- Great Yarmouth 14.6
- Midlothian 14.62
- Wrexham / Wrecsam 14.62
- Carmarthenshire / Sir Gaerfyrddin 14.64
- Kirklees 14.64
- Stockton-on-Tees 14.65
- Lancaster 14.67
- Sefton 14.7
- Coventry 14.73
- Boston 14.73
- Erewash 14.76
- Gloucester 14.82
- Argyll and Bute 14.83
- Bridgend / Pen-y-bont ar Ogwr 14.84
- Sheffield 14.88
- Stirling 14.88
- Highland 14.88
- Wyre 14.89
- Tower Hamlets 14.91
- Wirral 14.91
- Fenland 14.92
- Newcastle upon Tyne 14.92
- Thanet 14.92
- City of Edinburgh 14.95
- Nuneaton and Bedworth 14.96
- Slough 14.97
- East Lothian 14.98
- Luton 14.98
- Swansea / Abertawe 14.99
- Telford and Wrekin 15.04
- Moray 15.04
- North Warwickshire 15.07
- Medway 15.08
- Stevenage 15.09
- Cannock Chase 15.11
- North Tyneside 15.14
- Harlow 15.15
- Warrington 15.17
- Portsmouth 15.19
- Hackney 15.22
- North Northamptonshire 15.24
- Southampton 15.25
- Thurrock 15.31
- Chorley 15.32
- Calderdale 15.33
- Newham 15.38
- Cardiff / Caerdydd 15.41
- Conwy / Conwy 15.43
- Plymouth 15.43
- Southend-on-Sea 15.43
- Gosport 15.45
- West Lancashire 15.45
- Amber Valley 15.48
- Newcastle-under-Lyme 15.49
- Leeds 15.49
- Milton Keynes 15.52
- Norwich 15.53
- Greenwich 15.54
- Flintshire / Sir y Fflint 15.54
- Redditch 15.57
- Isle of Anglesey / Ynys Môn 15.57
- Scottish Borders 15.59
- Eastbourne 15.61
- East Staffordshire 15.62
- Folkestone and Hythe 15.62
- Perth and Kinross 15.64
- Newark and Sherwood 15.65
- Tamworth 15.66
- Ipswich 15.67
- Wyre Forest 15.67
- Swale 15.67
- Aberdeenshire 15.68
- Bristol, City of 15.69
- Orkney Islands 15.7
- Braintree 15.71
- Dudley 15.71
- North West Leicestershire 15.76
- North Lincolnshire 15.77
- South Holland 15.84
- Pembrokeshire / Sir Benfro 15.84
- Basildon 15.87
- Bassetlaw 15.87
- Dartford 15.89
- High Peak 15.9
- Rugby 15.92
- Lewisham 15.92
- Northumberland 15.93
- Islington 15.95
- Fylde 15.99
- Worcester 16.03
- Torbay 16.06
- Rushmoor 16.13
- Worthing 16.13
- Bedford 16.14
- Rother 16.17
- Broxtowe 16.18
- North East Derbyshire 16.19
- Reading 16.19
- Dover 16.19
- Gwynedd / Gwynedd 16.21
- Lambeth 16.22
- Brighton and Hove 16.22
- Bexley 16.24
- South Derbyshire 16.27
- Havant 16.29
- Castle Point 16.3
- Gravesham 16.3
- Isle of Wight 16.33
- Ceredigion / Ceredigion 16.39
- East Riding of Yorkshire 16.39
- West Northamptonshire 16.42
- Hinckley and Bosworth 16.43
- Breckland 16.43
- Vale of Glamorgan / Bro Morgannwg 16.43
- Powys / Powys 16.43
- Colchester 16.44
- Cornwall 16.44
- Stockport 16.44
- Westmorland and Furness 16.45
- Waltham Forest 16.46
- King’s Lynn and West Norfolk 16.47
- Havering 16.48
- Cheshire West and Chester 16.49
- Watford 16.49
- North Kesteven 16.51
- Gedling 16.52
- Canterbury 16.52
- Swindon 16.54
- Trafford 16.54
- Ashford 16.55
- Southwark 16.55
- Herefordshire, County of 16.58
- Staffordshire Moorlands 16.6
- Charnwood 16.6
- York 16.61
- Forest of Dean 16.61
- West Lindsey 16.62
- Bournemouth, Christchurch and Poole 16.64
- East Suffolk 16.65
- Bromsgrove 16.66
- South Ribble 16.66
- Crawley 16.68
- Maidstone 16.69
- Warwick 16.7
- South Kesteven 16.71
- Broadland 16.74
- Melton 16.76
- Cheshire East 16.78
- Exeter 16.81
- Cherwell 16.83
- Stafford 16.83
- North Hertfordshire 16.84
- Malvern Hills 16.85
- Oadby and Wigston 16.86
- Runnymede 16.87
- Monmouthshire / Sir Fynwy 16.89
- Hillingdon 16.9
- Arun 16.9
- Oxford 16.92
- Shetland Islands 16.92
- Stroud 16.93
- North Somerset 16.94
- Adur 16.95
- East Dunbartonshire 16.95
- South Staffordshire 16.96
- Basingstoke and Deane 16.97
- Hounslow 16.98
- Huntingdonshire 16.99
- North Yorkshire 16.99
- Somerset 17
- Lichfield 17.02
- Sutton 17.02
- Shropshire 17.02
- North Devon 17.02
- Cambridge 17.03
- Tunbridge Wells 17.04
- Croydon 17.04
- Maldon 17.05
- Cheltenham 17.05
- Mid Devon 17.1
- Chelmsford 17.11
- Torridge 17.11
- Solihull 17.11
- Hammersmith and Fulham 17.11
- Central Bedfordshire 17.12
- Rochford 17.14
- North Norfolk 17.17
- Blaby 17.2
- Redbridge 17.2
- East Cambridgeshire 17.24
- Welwyn Hatfield 17.24
- West Suffolk 17.3
- Test Valley 17.34
- Tonbridge and Malling 17.37
- Dacorum 17.44
- Wychavon 17.45
- Surrey Heath 17.46
- Wealden 17.46
- South Norfolk 17.46
- Teignbridge 17.48
- Harborough 17.54
- East Renfrewshire 17.54
- Chichester 17.54
- Haringey 17.54
- Broxbourne 17.55
- Wandsworth 17.55
- West Berkshire 17.57
- Tewkesbury 17.57
- Bath and North East Somerset 17.58
- Reigate and Banstead 17.59
- Derbyshire Dales 17.6
- Cotswold 17.62
- Babergh 17.63
- Wiltshire 17.63
- Ealing 17.65
- Brentwood 17.72
- Enfield 17.74
- Fareham 17.76
- Epping Forest 17.76
- Sevenoaks 17.77
- Three Rivers 17.78
- Dorset 17.79
- West Devon 17.79
- Eastleigh 17.8
- Merton 17.8
- Spelthorne 17.87
- Buckinghamshire 17.9
- South Gloucestershire 17.9
- Bracknell Forest 17.9
- Lewes 17.9
- Brent 17.9
- Stratford-on-Avon 17.91
- Woking 17.91
- Hertsmere 17.91
- Guildford 17.93
- Ribble Valley 18.01
- Kingston upon Thames 18.03
- Rutland 18.05
- Tandridge 18.06
- Windsor and Maidenhead 18.06
- Camden 18.07
- Rushcliffe 18.11
- Mid Suffolk 18.12
- East Hertfordshire 18.15
- East Devon 18.2
- West Oxfordshire 18.21
- Mid Sussex 18.26
- Bromley 18.27
- Harrow 18.28
- St Albans 18.29
- South Cambridgeshire 18.36
- New Forest 18.38
- Waverley 18.41
- Epsom and Ewell 18.41
- Mole Valley 18.46
- East Hampshire 18.48
- Vale of White Horse 18.5
- Barnet 18.51
- Horsham 18.54
- Wokingham 18.55
- Elmbridge 18.68
- Westminster 18.72
- South Oxfordshire 18.75
- Hart 18.89
- South Hams 18.91
- Uttlesford 18.95
- Winchester 19.11
- Richmond upon Thames 19.27
- Kensington and Chelsea 19.46.
