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Background information:
- Retirement (not flexible or redundancy) from 55 (instead of from 60) without your employer's permission is possible for members who were active members after 31 May 2018.
- Normal pension age (NPA) for benefits earned up to 31 March 2015 is 65 .
- NPA for benefits earned after 31 March 2015 is your state pension age.
- Pension reductions for taking benefits before their NPA are about 5% p.a.
- Lump sum reductions for taking benefits before their NPA are about 3% p.a.
Note: A technical guide about how the rule of 85 works is at http://www.lgpslibrary.org/assets/gas/scot/85YRv1.2c.pdf
The Rule of 85 Member Guide can be found here
Our Rule of 85 flowchart is also available.
Rule of 85 and Combining benefits Guide.