{ "url": "https://openlegislation.uk/pensions-act-2007", "json_url": "https://openlegislation.uk/pensions-act-2007.json", "id": "ukpga/2007/22", "title": "Pensions Act 2007", "long_title": "An 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.", "citation": "2007 c. 22", "type": "ukpga", "year": "2007", "number": "22", "version": "current", "date": "2007-07-26", "revised": true, "valid_from": "2022-04-28", "extent": "E+W+S+N.I.", "unapplied_effects": 5, "provisions": [ { "path": "introduction", "kind": "introduction", "number": null, "heading": "Introductory text", "url": "https://openlegislation.uk/pensions-act-2007/introduction", "extent": null, "status": null, "parent": null }, { "path": "part/1", "kind": "part", "number": "1", "heading": "State pension", "url": null, "extent": null, "status": null, "parent": null }, { "path": "part/1/crossheading/entitlement-to-category-a-and-b-retirement-pensions", "kind": "crossheading", "number": null, "heading": "Entitlement to Category A and B retirement pensions", "url": null, "extent": "E+W+S", "status": null, "parent": "part/1" }, { "path": "section/1", "kind": "section", "number": "1", "heading": "Category A and B retirement pensions: single contribution condition", "url": "https://openlegislation.uk/pensions-act-2007/section-1", "extent": null, "status": null, "parent": "part/1/crossheading/entitlement-to-category-a-and-b-retirement-pensions" }, { "path": "section/2", "kind": "section", "number": "2", "heading": "Category B retirement pension: removal of restriction on entitlement", "url": "https://openlegislation.uk/pensions-act-2007/section-2", "extent": null, "status": null, "parent": "part/1/crossheading/entitlement-to-category-a-and-b-retirement-pensions" }, { "path": "part/1/crossheading/credits-for-basic-state-pension", "kind": "crossheading", "number": null, "heading": "Credits for basic state pension", "url": null, "extent": "E+W+S", "status": null, "parent": "part/1" }, { "path": "section/3", "kind": "section", "number": "3", "heading": "Contributions credits for relevant parents and carers", "url": "https://openlegislation.uk/pensions-act-2007/section-3", "extent": null, "status": null, "parent": "part/1/crossheading/credits-for-basic-state-pension" }, { "path": "part/1/crossheading/abolition-of-adult-dependency-increases", "kind": "crossheading", "number": null, "heading": "Abolition of adult dependency increases", "url": null, "extent": "E+W+S", "status": null, "parent": "part/1" }, { "path": "section/4", "kind": "section", "number": "4", "heading": "Category A and C retirement pensions: abolition of adult dependency increases", "url": "https://openlegislation.uk/pensions-act-2007/section-4", "extent": null, "status": null, "parent": "part/1/crossheading/abolition-of-adult-dependency-increases" }, { "path": "part/1/crossheading/uprating-of-basic-state-pension-and-other-benefits", "kind": "crossheading", "number": null, "heading": "Up-rating of basic state pension and other benefits", "url": null, "extent": null, "status": null, "parent": "part/1" }, { "path": "section/5", "kind": "section", "number": "5", "heading": "Up-rating of basic pension etc. and standard minimum guarantee by reference to earnings", "url": "https://openlegislation.uk/pensions-act-2007/section-5", "extent": "E+W+S", "status": null, "parent": "part/1/crossheading/uprating-of-basic-state-pension-and-other-benefits" }, { "path": "section/6", "kind": "section", "number": "6", "heading": "Preservation of link with prices in case of other benefits", "url": "https://openlegislation.uk/pensions-act-2007/section-6", "extent": "E+W+S", "status": null, "parent": "part/1/crossheading/uprating-of-basic-state-pension-and-other-benefits" }, { "path": "section/7", "kind": "section", "number": "7", "heading": "Removal of link between lower earnings limit and basic pension", "url": "https://openlegislation.uk/pensions-act-2007/section-7", "extent": "E+W+S", "status": null, "parent": "part/1/crossheading/uprating-of-basic-state-pension-and-other-benefits" }, { "path": "section/8", "kind": "section", "number": "8", "heading": "Removal of link between lower earnings limit and basic pension: Northern Ireland", "url": "https://openlegislation.uk/pensions-act-2007/section-8", "extent": "N.I.", "status": null, "parent": "part/1/crossheading/uprating-of-basic-state-pension-and-other-benefits" }, { "path": "part/1/crossheading/additional-pension-deemed-earnings-factors", "kind": "crossheading", "number": null, "heading": "Additional pension: deemed earnings factors", "url": null, "extent": "E+W+S", "status": null, "parent": "part/1" }, { "path": "section/9", "kind": "section", "number": "9", "heading": "Deemed earnings factors for purposes of additional pension", "url": "https://openlegislation.uk/pensions-act-2007/section-9", "extent": null, "status": null, "parent": "part/1/crossheading/additional-pension-deemed-earnings-factors" }, { "path": "part/1/crossheading/additional-pension-simplification-of-accrual-rates", "kind": "crossheading", "number": null, "heading": "Additional pension: simplification of accrual rates", "url": null, "extent": "E+W+S", "status": null, "parent": "part/1" }, { "path": "section/10", "kind": "section", "number": "10", "heading": "Additional pension: removal of accrual band from 2010-11", "url": "https://openlegislation.uk/pensions-act-2007/section-10", "extent": "E+W+S", "status": null, "parent": "part/1/crossheading/additional-pension-simplification-of-accrual-rates" }, { "path": "section/11", "kind": "section", "number": "11", "heading": "Additional pension: simplified accrual rates as from flat rate introduction year", "url": "https://openlegislation.uk/pensions-act-2007/section-11", "extent": null, "status": null, "parent": "part/1/crossheading/additional-pension-simplification-of-accrual-rates" }, { "path": "section/12", "kind": "section", "number": "12", "heading": "Additional pension: upper accrual point", "url": "https://openlegislation.uk/pensions-act-2007/section-12", "extent": null, "status": null, "parent": "part/1/crossheading/additional-pension-simplification-of-accrual-rates" }, { "path": "part/1/crossheading/increase-in-state-pension-age", "kind": "crossheading", "number": null, "heading": "Increase in state pension age", "url": null, "extent": "E+W+S", "status": null, "parent": "part/1" }, { "path": "section/13", "kind": "section", "number": "13", "heading": "Increase in pensionable age for men and women", "url": "https://openlegislation.uk/pensions-act-2007/section-13", "extent": "E+W+S", "status": null, "parent": "part/1/crossheading/increase-in-state-pension-age" }, { "path": "part/2", "kind": "part", "number": "2", "heading": "Occupational and personal pension schemes", "url": null, "extent": null, "status": null, "parent": null }, { "path": "part/2/crossheading/contractingout", "kind": "crossheading", "number": null, "heading": "Contracting-out", "url": null, "extent": "E+W+S", "status": null, "parent": "part/2" }, { "path": "section/14", "kind": "section", "number": "14", "heading": "Conversion of guaranteed minimum pensions", "url": "https://openlegislation.uk/pensions-act-2007/section-14", "extent": null, "status": null, "parent": "part/2/crossheading/contractingout" }, { "path": "section/15", "kind": "section", "number": "15", "heading": "Abolition of contracting-out for defined contribution pension schemes", "url": "https://openlegislation.uk/pensions-act-2007/section-15", "extent": "E+W+S", "status": null, "parent": "part/2/crossheading/contractingout" }, { "path": "part/2/crossheading/dispute-resolution", "kind": "crossheading", "number": null, "heading": "Dispute resolution", "url": null, "extent": "E+W+S", "status": null, "parent": "part/2" }, { "path": "section/16", "kind": "section", "number": "16", "heading": "Dispute resolution arrangements", "url": "https://openlegislation.uk/pensions-act-2007/section-16", "extent": null, "status": null, "parent": "part/2/crossheading/dispute-resolution" }, { "path": "part/2/crossheading/actuarial-guidance", "kind": "crossheading", "number": null, "heading": "Actuarial guidance", "url": null, "extent": "E+W+S", "status": "prospective", "parent": "part/2" }, { "path": "section/17", "kind": "section", "number": "17", "heading": "Removal of Secretary of State's role in approving actuarial guidance", "url": "https://openlegislation.uk/pensions-act-2007/section-17", "extent": null, "status": null, "parent": "part/2/crossheading/actuarial-guidance" }, { "path": "part/2/crossheading/financial-assistance-scheme", "kind": "crossheading", "number": null, "heading": "Financial assistance scheme", "url": null, "extent": null, "status": null, "parent": "part/2" }, { "path": "section/18", "kind": "section", "number": "18", "heading": "Financial assistance scheme: increased levels of payments", "url": "https://openlegislation.uk/pensions-act-2007/section-18", "extent": "E+W+S+N.I.", "status": null, "parent": "part/2/crossheading/financial-assistance-scheme" }, { "path": "section/19", "kind": "section", "number": "19", "heading": "Temporary restriction on purchase of annuities", "url": "https://openlegislation.uk/pensions-act-2007/section-19", "extent": null, "status": null, "parent": "part/2/crossheading/financial-assistance-scheme" }, { "path": "part/3", "kind": "part", "number": "3", "heading": "Personal Accounts Delivery Authority", "url": null, "extent": null, "status": null, "parent": null }, { "path": "section/20", "kind": "section", "number": "20", "heading": "Personal Accounts Delivery Authority", "url": "https://openlegislation.uk/pensions-act-2007/section-20", "extent": "E+W+S+N.I.", "status": "repealed", "parent": "part/3" }, { "path": "section/21", "kind": "section", "number": "21", "heading": "Initial function of the Authority", "url": "https://openlegislation.uk/pensions-act-2007/section-21", "extent": "E+W+S+N.I.", "status": "repealed", "parent": "part/3" }, { "path": "section/22", "kind": "section", "number": "22", "heading": "Management of the Authority", "url": "https://openlegislation.uk/pensions-act-2007/section-22", "extent": "E+W+S+N.I.", "status": "repealed", "parent": "part/3" }, { "path": "section/23", "kind": "section", "number": "23", "heading": "Winding up of the Authority", "url": "https://openlegislation.uk/pensions-act-2007/section-23", "extent": "E+W+S+N.I.", "status": null, "parent": "part/3" }, { "path": "part/4", "kind": "part", "number": "4", "heading": "General", "url": null, "extent": null, "status": null, "parent": null }, { "path": "section/24", "kind": "section", "number": "24", "heading": "Review of operation of Act", "url": "https://openlegislation.uk/pensions-act-2007/section-24", "extent": null, "status": null, "parent": "part/4" }, { "path": "section/25", "kind": "section", "number": "25", "heading": "Orders and regulations", "url": "https://openlegislation.uk/pensions-act-2007/section-25", "extent": null, "status": null, "parent": "part/4" }, { "path": "section/26", "kind": "section", "number": "26", "heading": "Interpretation", "url": "https://openlegislation.uk/pensions-act-2007/section-26", "extent": null, "status": null, "parent": "part/4" }, { "path": "section/27", "kind": "section", "number": "27", "heading": "Consequential etc. provision, repeals and revocations", "url": "https://openlegislation.uk/pensions-act-2007/section-27", "extent": "E+W+S+N.I.", "status": null, "parent": "part/4" }, { "path": "section/28", "kind": "section", "number": "28", "heading": "Financial provisions", "url": "https://openlegislation.uk/pensions-act-2007/section-28", "extent": null, "status": null, "parent": "part/4" }, { "path": "section/29", "kind": "section", "number": "29", "heading": "Extent", "url": "https://openlegislation.uk/pensions-act-2007/section-29", "extent": null, "status": null, "parent": "part/4" }, { "path": "section/30", "kind": "section", "number": "30", "heading": "Commencement", "url": "https://openlegislation.uk/pensions-act-2007/section-30", "extent": null, "status": null, "parent": "part/4" }, { "path": "section/31", "kind": "section", "number": "31", "heading": "Short title", "url": "https://openlegislation.uk/pensions-act-2007/section-31", "extent": null, "status": null, "parent": "part/4" }, { "path": "schedule/1", "kind": "schedule", "number": "1", "heading": "State pension: consequential and related amendments", "url": null, "extent": "E+W+S", "status": null, "parent": null }, { "path": "schedule/1/part/1", "kind": "part", "number": "1", "heading": "Category A and B retirement pensions: single contribution condition", "url": null, "extent": null, "status": null, "parent": "schedule/1" }, { "path": "schedule/1/paragraph/1", "kind": "paragraph", "number": "1", "heading": null, "url": "https://openlegislation.uk/pensions-act-2007/schedule-1/paragraph-1", "extent": null, "status": null, "parent": "schedule/1/part/1" }, { "path": "schedule/1/paragraph/2", "kind": "paragraph", "number": "2", "heading": null, "url": "https://openlegislation.uk/pensions-act-2007/schedule-1/paragraph-2", "extent": null, "status": null, "parent": "schedule/1/part/1" }, { "path": "schedule/1/paragraph/3", "kind": "paragraph", "number": "3", "heading": null, "url": "https://openlegislation.uk/pensions-act-2007/schedule-1/paragraph-3", "extent": null, "status": null, "parent": "schedule/1/part/1" }, { "path": "schedule/1/paragraph/4", "kind": "paragraph", "number": "4", "heading": null, "url": "https://openlegislation.uk/pensions-act-2007/schedule-1/paragraph-4", "extent": null, "status": null, "parent": "schedule/1/part/1" }, { "path": "schedule/1/paragraph/5", "kind": "paragraph", "number": "5", "heading": null, "url": "https://openlegislation.uk/pensions-act-2007/schedule-1/paragraph-5", "extent": null, "status": null, "parent": "schedule/1/part/1" }, { "path": "schedule/1/part/2", "kind": "part", "number": "2", "heading": "Category B retirement pension: removal of restriction on entitlement", "url": null, "extent": null, "status": null, "parent": "schedule/1" }, { "path": "schedule/1/paragraph/6", "kind": "paragraph", "number": "6", "heading": null, "url": "https://openlegislation.uk/pensions-act-2007/schedule-1/paragraph-6", "extent": null, "status": null, "parent": "schedule/1/part/2" }, { "path": "schedule/1/paragraph/7", "kind": "paragraph", "number": "7", "heading": null, "url": "https://openlegislation.uk/pensions-act-2007/schedule-1/paragraph-7", "extent": null, "status": null, "parent": "schedule/1/part/2" }, { "path": "schedule/1/paragraph/8", "kind": "paragraph", "number": "8", "heading": null, "url": 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"extent": null, "status": null, "parent": "schedule/7" } ], "outstanding_effects": [ { "type": "repealed", "affected_provisions": "Sch. 1 para. 25", "affecting": "ukpga/2009/24", "affecting_title": "Welfare Reform Act 2009", "affecting_provisions": "Sch. 7 Pt. 1" }, { "type": "repealed", "affected_provisions": "Sch. 1 para. 14", "affecting": "ukpga/2009/24", "affecting_title": "Welfare Reform Act 2009", "affecting_provisions": "Sch. 7 Pt. 2" }, { "type": "repealed", "affected_provisions": "Sch. 1 para. 15", "affecting": "ukpga/2009/24", "affecting_title": "Welfare Reform Act 2009", "affecting_provisions": "Sch. 7 Pt. 2" }, { "type": "repealed", "affected_provisions": "Sch. 1 para. 25", "affecting": "ukpga/2012/5", "affecting_title": "Welfare Reform Act 2012", "affecting_provisions": "Sch. 14 Pt. 1" }, { "type": "repealed", "affected_provisions": "Sch. 1 para. 42", "affecting": "ukpga/2012/5", "affecting_title": "Welfare Reform Act 2012", "affecting_provisions": "Sch. 14 Pt. 9" } ], "provenance": { "source": "legislation.gov.uk", "source_url": "https://www.legislation.gov.uk/ukpga/2007/22", "retrieved_at": "2026-10-28T17:05:39.978808+00:00", "licence": "OGL-UK-3.0", "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/", "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives." } }