Pensions Act 2007

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Pensions Act 2007[1]
Long titleAn Act to make provision about pensions and other benefits payable to persons in connection with bereavement or by reference to pensionable age; to make provision about the establishment and functions of the Personal Accounts Delivery Authority; and for connected purposes.
Citation2007 c 22
Royal assent26 July 2007
History of passage through Parliament
Text of statute as originally enacted
Revised text of statute as amended

The Pensions Act 2007 (c 22) is an Act of the Parliament of the United Kingdom. It incorporated the main findings of the all-party Pensions Commission in 2006 as set out in the white paper Security in retirement: towards a new pension system[2] published in May 2006.

The key provisions were:[3]

  1. Reduction of the qualifying years for a full basic State Pension from 44 years for men and 39 years for women to 30 years for both.
  2. Linking cost of living increases to earnings rather than prices.
  3. changing the contribution conditions for basic State Pension so that it is easier for everyone to build up some entitlement.
  4. replacing Home Responsibilities Protection (HRP) with a new system of weekly credits for parents and carers
  5. Raising the pension age for women to 65 by 2020.
  6. Raising the pension age for both women and men from 65 to 68 between 2024 and 2046.
  7. Introducing national insurance credits for parents and carers so that they can build up some entitlement to the additional State Pension.
  8. End of the option to contract out of the additional State Pension.

Modifications to this were made in the Pensions Act 2008.


  1. ^ The citation of this Act by this short title is authorised by section 31 of this Act.
  2. ^ Security in retirement: towards a new pension system (PDF), archived from the original (PDF) on 16 December 2010, retrieved 25 April 2011
  3. ^ The Pensions Act 2007, Department for Work and Pensions, archived from the original on 16 May 2011, retrieved 25 April 2011

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