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Title page
Contents
Foreword by the Secretary of State for Work and Pensions 6
Providing people with dignity and security in retirement 6
Providing fairness across the generations 6
What we will do to ensure dignity and security in retirement 7
To give people certainty so that they can plan for old age 7
The wider picture 8
Executive summary 9
A fair and sustainable State Pension system 9
Recent changes to the pensions system 10
The evidence base 11
The Government Actuary's Report 11
John Cridland's Report 12
The Government's conclusions 12
Maintaining fairness in the longer term 13
Support in later life 13
Conclusion 14
1. Setting the context 15
1.1. Introduction 15
1.2. Legislative and historical context 15
1.3. Purpose of the State Pension age review 17
1.4. Supporting evidence 18
1.5. Demographic change and impact on sustainability 18
1.6. The Government's pension strategy 22
2. What we will do and why 24
2.1. What we will do and why 24
2.2. The evidence base 24
2.3. The Government's conclusion 25
2.4. Maintaining fairness in the longer term 27
2.5. Conclusion 28
3. Support in Later Life 29
3.1. A universal State Pension age 29
3.2. Notice period and communications 30
3.3. Supporting people to save and work 32
3.4. Supporting people who can't work 33
3.5. The next State Pension age review 34
3.6. Conclusion 34
Annex - Costs of proposed State Pension age timetable for the rise to 68 only 35
Figure 1.1. Cohort life expectancy at age 65, in years, UK, 1951-2064 20
Figure 1.2. Proportion of adult life over 65, UK, 1981-2017 20
Figure 1.3. Old Age Dependency Ratio, UK, 1990-2064 21
Figure 1.4. State Pension expenditure as % GDP, UK, 2016/17-2066/67 22
Figure 2.1. Calculated State Pension age timetables 24
Boxes
Box 1.1. Life expectancy and an ageing population 19
Box 2.1. Rationale for John Cridland's Proposal 25
Box 3.1. Independent Report - John Cridland's conclusions on a universal State Pension age 30
Box 3.2. Helping people save enough for retirement 32
Box 3.3. Supporting People to enjoy the benefits of fuller working lives 33
Annex Tables
Table A.1. State Pension age timetables and expenditure on pensioner benefits for the rise to 68 only 35
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