Receiving my pension earlier than my NRA

You can choose to start receiving your pension earlier than your NRA. Normally, this option is available from any time after your 55th birthday.

If you decide to take your pension before your Normal Retirement Age your pension may be reduced as it is being paid before it is due. The reduction will be based on a factor decided by the Trustee having taken the appropriate advice. This pack will include details of what pension you will receive along with the Forms you will need to complete to arrange for your pension to be paid.

You will need to request a retirement pack from the Employee Pensions Team.