DWP issues state pension warning to anyone working who crossed age 66

The Department for Work and Pensions (DWP) has issued an important warning for individuals working beyond the age of 66. While most people can continue working past their State Pension age, there are specific circumstances where an employer can enforce compulsory retirement. This article explains your rights, potential restrictions, and how continuing to work may affect your pension and taxes.

Can You Be Forced to Retire After 66?

In the UK, there is no default retirement age, meaning most people can continue working past State Pension age if they choose. However, employers can enforce a compulsory retirement age in certain cases.

When Can an Employer Force You to Retire?

An employer must have a valid reason to enforce retirement. According to the DWP, examples of acceptable reasons include:

• Physical Demands – Some jobs require a certain level of physical ability, such as roles in construction.
• Legal Age Limits – Some professions have mandatory retirement ages set by law, such as the fire service.

If your employer forces you to retire, they must justify their decision. If you believe you’ve been treated unfairly, you can file a complaint with an employment tribunal.

Your Rights Under UK Employment Law

Workers over 66 are protected from age discrimination under UK law. Some key points to remember:

• Employers cannot ask for your date of birth when applying for a job.
• You have the right to request flexible or part-time work, though your employer can refuse.
• If you feel you’ve been unlawfully forced to retire, you can take legal action.

For more information on workplace rights, visit the official Gov.uk website.

Claiming Your Pension While Working

You can claim your State Pension while continuing to work if you have reached State Pension age. This also applies to personal and workplace pensions, depending on the age agreed with your pension provider.

Should You Delay (Defer) Your State Pension?

If you choose to defer your State Pension, your future payments will increase. This means you’ll receive higher weekly payments when you eventually claim it.

• If you have a workplace pension, reducing your working hours may affect your pension amount. Always check with your employer or pension provider.

Tax and National Insurance After State Pension Age

• You DO NOT pay National Insurance if you work past State Pension age.
• You MAY still pay tax depending on your total income from work and pensions.

To understand how your pension affects taxes, check the official Gov.uk tax calculator.

If you plan to work beyond 66, it’s important to know your rights and how it affects your pension and taxes. While most people can continue working, some jobs have compulsory retirement ages due to physical demands or legal requirements. Always check with your employer and pension provider to ensure you make the best financial decisions.

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