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Accessing your deferred benefits

How and when your deferred benefits can be paid

Make sure we have your address

SPFOnline small From age 55 you can choose to access your deferred benefits.

All of your LGPS (not your AVC) benefits must be taken at the same time.

You will have the option to take part of your benefits as a lump sum.

In the meantime your deferred benefits will keep pace with inflation.

Your benefits depend on your normal pension age

castle by water You can retire and receive your benefits in full from your normal pension age.

Your benefits will be reduced if you access them before 60.

Your benefits may be reduced if you access them after 60 but before your normal pension age and you do not have protection under The Rule of 85.

Your normal pension age is 65 for any benefits you built up before 1 April 2015.

For the pension you build up from 1 April 2015, your Normal Pension Age is not fixed at age 65 but, instead, is the same as your State Pension Age (but with a minimum of age 65).

You can use the Government's State Pension Age calculator to find out your State Pension Age at:

Ill health

GU cloisters Your benefits can be paid out if you would be permanently unable to do the job in which you built up your deferred benefits.

The first step is to contact us.

We will ask you to complete the appropriate form and obtain your permission to access your medical records.