Full alpha benefits cannot be claimed until State Pension age (without being reduced). How will that impact on my benefits if I want to retire before reaching State Pension age, even if I am over the required age to claim the Legacy pension benefits in fu

If you claim an alpha pension before the State Pension age, the annual pension will be subject to actuarial reductions as it will then be in payment for longer. If you are over the normal pension age for your PCSPS scheme then reduction won’t be applied to that portion of your benefits.

When you retire, you’ll have the option to either:

• take just your legacy benefits; or
• take your legacy benefits and claim your alpha pension benefits.