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Thinking of accessing your pension? (contributing members)

This information is for members who are currently contributing into the scheme. If you have a deferred pension benefit, please see the Already left? section for more information.

Your LGPS pension is payable in full from your Normal Pension Age which is linked to your State Pension Age (but with a minimum of age 65). However, you can choose to retire and draw your pension from the LGPS at any time from age 55 to 75, provided you have met the 2 years vesting period in the scheme.

If you choose to take your pension before your Normal Pension Age it will normally be reduced, as it's being paid earlier. If you take it later than your Normal Pension Age it's increased because it's being paid later. You must draw your benefits in the LGPS before your 75th birthday.

There are specific rules relating to each type of retirement, so the sections below look at the different ways of retiring, and the implications:

Voluntary retirement

Flexible retirement

Redundancy or business efficiency early retirement

You are able to calculate an estimate of your pension benefits using the Pensions Portal. For step by step guidance, please click here.

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