Accessing your benefits:
While your benefits are deferred, they will be adjusted for inflation.
You can currently take your benefits from age 55. You must take all of your benefits at the same time.
The UK Government has announced that the earliest age you can take your pension will increase from age 55 to 57 with effect from 6 April 2028. This won't apply if you have to take your pension early due to ill health. You could be protected from this increase, but will only be able to use this protection when you take your pension if the LGPS rules allow you to. The Scottish Government makes the LGPS rules. It has not yet confirmed if it will allow members who qualify for protection to take their LGPS pension before age 57, from 6 April 2028.
To view your potential benefits for retirement, login into your SPFOnline account and use the retirement benefit projector.
Your benefits can remain in the scheme and become payable unreduced at your Normal Pension Age however, your benefits must be paid by age 75.
Transferring your benefits:
You can transfer your benefits to another pension arrangement as long as the transfer is completed at least 12 months prior to your Normal Pension Age.
Ill Health?
Your benefits could be paid in full if you are permanently incapable of doing the job you were working in when you left the LGPS and you are unlikely to be capable of undertaking any gainful employment before your Normal Pension Age.
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