Overview
- HMRC’s Tax Confident video on Tuesday says people can keep working while drawing the State, workplace or private pension.
- National Insurance stops at State Pension age, with employees stopping automatically and self‑employed stopping from the next tax year.
- Employers may ask for proof of age to stop NI deductions, and self‑employed workers must enter their birth date on tax returns to switch off NI.
- Income tax still applies after pension age on total yearly income from wages, pensions, savings interest and rental income, with PAYE usually collecting it for employees.
- Separate guidance warns that early retirement can leave NI gaps and reduce future State Pension, and that new claims for Universal Credit and other working‑age benefits end at pension age.