What are my options?

Early retirement

You can choose to claim your pension early any time after your pension scheme’s early retirement age:

• nuvos and alpha - 55
• classic, classic plus, and premium members who joined before 06 April 2006 - 50
• classic, classic plus, and premium members who joined on or after 06 April 2006 - 55

If you claim your pension before the normal retirement age for your pension scheme, it will be reduced because it is paid early. The reduction depends on which pension scheme you’re in and how many years before your retirement age it’s being claimed.

Log into the Portal and use the modeller to see how much your pension might be reduced by. If you can’t access the Portal, use the Early Retirement Estimator.

If you still work for the Civil Service - talk to your employer about your plans to retire early and arrange a planned retirement date. Your employer will then request a retirement quote from us.

If you have left the Civil Service and have an unclaimed pension – complete a Change of details and Retirement Form – Deferred members and send it to us. Remember to include the date you want your pension to start from.

Read your scheme guide for more information on early retirement

How to claim your pension

The State Pension is separate to your Civil Service pension. Visit the Gov.uk website for more information.