Retirement Planning
We understand that retirement can be both exciting and stressful, and we will do everything we can to make the process as simple as possible. The section of the website has been developed to provide deferred members with essential information when considering retirement and about the LGPS retirement process.

Please note - The Government has announced the earliest age that you can take your pension will increase from age 55 to 57 from 6 April 2028.

Accessing Your Benefits
If you leave your job before retirement and you are entitled to deferred benefits, you can generally take your deferred pension at any time between age 55 and 75 provided you have left the employment for which your deferred benefit was awarded. However, if you draw your benefits before your Normal Pension Age (NPA) your benefits will be reduced for early payment. To find out the date you can take your benefits unreduced please refer to your Annual Deferred Pension Statement which can be found on your online account mypension mydocuments section.

You may be able to take it earlier if you are too ill to work.

Early Release of Preserved Benefits Guidance (Leavers on or After 1st April 2008)
Early Release of Deferred Benefits Leavers on or Before 31st March 2008)

I’m considering retirement can I get a quote?

To find out the value of your benefits if brought into payment early, use our Get Retirement Quote calculator online at mypension

How do I claim my deferred benefit?

It’s never been easier to claim your benefits. Simply login to your online account mypension and select Get Deferred Retirement Quote. Simply follow the onscreen instructions to retire online.

I don’t have an online account what do I need to do?

Simply register for our secure online portal at mypension

Registration Process

• Step 1
  complete the registration page where you will be asked to set a username and password. Please make sure you have your National Insurance number and email address to hand. Once registration has been completed you will receive an activation code to your email address.
  
• Step 2
  with your username, password and one time activation code, login to your secure account.

  Getting online couldn’t be easier!
  

Getting online couldn’t be easier!