From state pension age (min 65) you can fully retire and receive your benefits with no reductions. From age 60 (55 if you were an active member after 31 May 2018) you can choose to fully retire, but this will reduce your benefits if you are not 60 and may reduce your benefits if you are 60 and you do not have protection under The Rule of 85. If you are interested in flexible retirement, you will need to obtain your employer's permission.