Taking my benefits early

You can take your benefits before your normal pension age but in some cases you may need your employer's permission and your benefits may be reduced.

Early retirement at your request

You can take your benefits from age 55, but you must have your employer's permission to take benefits before age 60 if you left the Scheme before 1 April 2014.

If you choose to take your benefits before your normal pension age they may be reduced because they will be paid earlier and for longer than had you waited.

How much your benefits are reduced by depends on how long before your normal pension age you take your benefits.

Example of taking my benefits early

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