Sixty-five years old has long been considered a pivotal age. For example, the Office of National Statistics splits the labour market into two main categories: aged 16 to 64 and aged 65 and over.

Some concessionary prices are based on having reached age 65, which is still widely thought of as the age when men receive their state pension.

However, 65 ceased to be the state pension age (SPA) – for men and women – on 6 December 2018. It is now somewhere between four and five months beyond 65 years. By 6 October 2020, SPA will have reached 66. Five and a half years later another step up to 67 will begin, finishing in April 2028.

Coincidentally, National Statistics show that more than one in ten people aged 65 and over are in work. If this year’s summer holiday makes you dream of retirement, don’t get ahead of yourself. You might well be working beyond 65.

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