If you reach State Pension age before the 6 April 2010 you will not be affected by the Pension Reform Act. If you reach State Pension age after this date then you need to know that:

- there will be a reduction in the number of qualifying years needed to be eligible for a full basic State Pension. You will need 30 years of contributions to qualify for a full State Pension;
- people who don’t qualify for a full State Pension will get 1/30th of the full pension for each year of their contribution;
- women’s State Pension age will increase from 60 to 65 between 2010 and 2020 depending on the year you were born;
- state pension age for men and women will gradually increase from 65 to 68 between 2024 and 2046.

To find out at what date you will qualify for a UK State Pension, look at the Pension Service’s State Pension age calculator.