You must have left your Local Government Pension Scheme (LGPS) in which your benefits were built up before the benefits can be paid. This means that you cannot take payment if you have opted out until you leave your employment.
You can draw your pension in full from your normal pension age (NPA), which is dependent on when you ceased to be a contributing member of the scheme.
If you ceased contributing membership:
- Before 1 April 1998 – your NPA is the point at which you would have built up 25 years’ qualifying service and would be at least age 60 (max. age 65).
- Before 1 October 2006 (but joined before 1 April 1998) – your NPA is the point at which you would have built up 25 years’ qualifying service and would be at least age 60 (max. age 65).
- Before 1 April 2014 (but joined before 1 October 2006) – your NPA is 65 but you may have protection from early payment reductions under the 85-year rule.
- Before 1 April 2014 (but you don’t meet point 1, 2 or 3 above) - your NPA is 65.
- On/after 1 April 2014 – your NPA is the later of your State Pension age (SPA) or age 65 (though benefits built up to 31 March 2014 will retain the old NPA of 65) at the point your benefits are first paid.
You can also choose take payment from age 55 onwards, but your pension may be reduced to reflect that it will be in payment for longer.
- left your employment or opted out before 1 April 2014 you will need your employer’s consent to draw your deferred benefits before age 60
- suffer from ill health you may be able to claim you pension unreduced from any age
- want more details of your benefits, you can access your personal Hartlink Online account
- wish to consider drawing your benefits, please contact the Pensions Team for a formal estimate of your benefits.