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For members of the Local Government Pension Scheme in England and Wales

Taking your deferred pension

If you left the LGPS on or after 1 April 1998

Your deferred benefits are payable in full from your Normal Pension Age in the LGPS. You do not have to take your deferred benefits at your Normal Pension Age, you can take them at any time between age 55 and 75. If you were a member of the Scheme before and after 1 April 2014, the benefits built up before 1 April 2014 will have a protected Normal Pension Age – usually age 65.

Choosing to take your deferred benefits early

You can choose to take your deferred benefits from age 55 onwards. You do not need your former employer’s consent to take your pension early. See the section on Early retirement reductions above to find out about how your benefits will be reduced.

If you were a member of the LGPS at any time between 1 April 1998 and 30 September 2006, some or all of your benefits could be paid in full before age 65 if you are protected by the 85-year rule. Find out more about the 85-year rule in the section above.

Taking your deferred benefits from your Normal Pension Age

If you do not take your deferred benefits early, they will normally be paid from your Normal Pension Age. You can choose to delay payment beyond that age.

If you take your deferred benefits after your Normal Pension Age your pension benefits will be increased. You must take your deferred benefits by age 75.

If you have a Guaranteed Minimum Pension, it may not always be possible to delay payment of your whole pension. Contact your pension fund for more information about this.

Taking your deferred pension if you are too ill to work

If you are too ill to work, you can ask for your deferred pension to be paid immediately, whatever your age.

Your former employer will need to consider if you are permanently unable to do your old job because of your ill health. If you left the LGPS after 31 March 2008, they would also need to consider whether you are able to undertake any gainful employment in the next three years.

Gainful employment is paid employment of at least 30 hours per week that lasts for a year or more.

If your application is successful, your deferred benefits would be paid to you immediately. Your benefits would not be reduced for early payment.

If you left the LGPS before 1 April 1998

Your deferred pension benefits are normally payable in full at your Normal Pension Age. Your Normal Pension Age is:

You must take your benefits from your Normal Pension Age if they are not already in payment. 

Early payment of deferred benefits at your request

You can choose to take payment of your deferred benefits from age 55. You do not need your former employer’s consent to take your pension early. See the section on Early retirement reductions above to find out about how your benefits will be reduced.

Early payment of deferred benefits on compassionate grounds

You can ask your former employer to pay your benefits early on compassionate grounds. If your former employer agrees, your benefits will not be reduced for early payment. This is a discretion and you can ask your employer what their policy on this is.

Early payment of deferred benefits due to permanent ill health

You can apply for payment of your deferred benefits because of your health at any age. Your former employer would need to consider whether you are permanently incapable of doing the job you were working in when you left the LGPS. If your application is successful, your pension benefits will be paid immediately and would not be reduced for early payment.


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