When can I take my benefits?

Your Normal Pension Age is linked to your State Pension Age (with a minimum of age 65). Your Normal Pension Age is the age from which you can retire and receive your pension in full.

You can check your Normal Pension age by looking up your current State Pension Age at www.gov.uk/calculate-state-pension.

You can also take your benefits before or after your normal pension age.

It is also possible to take your deferred benefits at any age on the grounds of ill health. But this must be approved by your former employer, and you will not be awarded any enhancement.

However, before determining whether to agree to a request your old employer must obtain a certificate from an independent registered medical practitioner qualified in occupational health medicine as to whether in his opinion you are permanently incapable of discharging efficiently the duties of your relevant employment because of ill-health or infirmity of mind or body and, if so, whether that condition is likely to prevent you from obtaining gainful employment (whether in local government or otherwise) before reaching your normal retirement age, or for at least three years, whichever is the sooner.

If you think payment of deferred benefits on the grounds of ill health could apply to you please contact your former employer.

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