This section is for you if you are not yet receiving a pension from the Scheme. The Normal Pension Age for the Scheme is 65, but you can usually retire younger if you want to. When you do start taking your pension, you can usually choose to swap some of it for a tax-free lump sum if you want to.

Click the links to find out about:

  • How much pension you’ll get – how we work it out and how it can go up
  • Increases before you retire – how your benefits grow in value
  • Swapping some income for cash – your option to take some cash when you retire
  • Retiring early – when you could retire and how we reduce your pension
  • Retiring for incapacity – if you’re no longer able to work
  • Taking a small pension as a lump sum – instead of an income for life
  • Transferring out – moving your benefits to another scheme as a lump sum
  • Money when you die – what your family could get
  • Lifetime Allowance – possible tax charge for people with larger pensions
  • Excess or Top-Up Contributions – if you topped up your pension
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