You can claim your full, unreduced pension any time after your pension scheme’s retirement age – known as the Normal Pension Age (NPA):
alpha - State Pension age, or 65 (whichever is higher at the time you retire)
nuvos - 65
classic, classic plus, and premium - 60
Some members who have Reserved Rights or have been part of a bulk transfer may have a different retirement age. If you think this applies to you, contact your employer for more information.
Step by step guide to claiming your pension
Use the Pension Portal or other pension calculators to get an estimate of your pension amount and options.
4 months before your planned retirement date. If you’re still working for the Civil Service - talk to your employer about your plans to retire and arrange a planned retirement date. Your employer will then request a retirement quote from us.
We’ll check your records and calculate your pension amount. We may need to contact you or your employer for more information.
Around 2 months before your planned retirement date. We’ll send you a quote of your pension amount, an option form and personal details form. You should complete and return your forms to us as soon as possible.
If we receive your completed forms at least 1 month before your planned retirement date, any lump sum due should be paid shortly after you retire, into the bank account you provided in your form.
You’ll receive your first pension payment a month after your retirement date. This is paid monthly, in arrears. If we receive your option form less than 1 month before your planned retirement date, it may result in a delay.