Pension age

When you can receive your deferred pension depends on when you stopped paying into the LGPS. You can't receive your deferred pension until you have left the job that it relates to.

Your pension can be paid at any age on ill health grounds. You would need to apply to your former employer who can arrange a medical assessment and decide whether your pension can be paid.

Changes to Local Government Pension Scheme from 14 May 2018

From 14 May 2018 there were some changes to the Local Government Pension Scheme. Most of the changes were minor and will not affect members. However, one change may affect people who left the scheme prior to 1 April 2014. Prior to the changes, people who left before this date had to have their employer's consent before taking their pension between the ages of 55 and 60. The changes mean that this may no longer be the case.

Left before 1 April 1998

If you left or opted out of the scheme before 1 April 1998 you can now choose to take your pension reduced at age 55 only.

This is providing that you are no longer in any other LGPS employment. If you are still in LGPS employment then this 'one chance' option for early access will instead be at the point at which your employment ends.

There is no longer an option to take a reduced pension at age 60.

If you do not take your pension early, this has to be taken at your normal pension age, and cannot be deferred past 65.

Left between 1 April 1998 and 31 March 2014

If you left or opted out of the scheme between 1 April 1998 and 31 March 2014 your normal pension age is 65.

You can choose to receive your pension early at any point between 55 and 65.

You can defer claiming your pension up until the age of 75.

Left after 1 April 2014

If you left or opted out of the scheme after 1 April 2014 your normal pension age is the later of 65 or your state pension age.

You can choose to receive your pension early at any point between 55 and state pension age.

You can defer claiming your pension up until the age of 75.

Related links

If you are registered with our Member Portal you will receive a deferred pension statement in your account each year which shows when your pension is due.