What are my options?
If you're thinking about retirement, we're here to help you take the next step.
If you're thinking about retirement, we're here to help you take the next step.
Your pension is made up of monthly payments for life and the option of a tax-free lump sum if applicable. Any Added Pension or years that you have bought will also be paid with your pension when you retire.
You can claim your full, unreduced pension any time after your pension scheme’s retirement age – known as the Normal Pension Age (NPA):
Some members who have Reserved Rights or have been part of a bulk transfer may have a different retirement age. If you think this applies to you, contact your employer for more information.
You can choose to claim your pension early any time after your pension scheme’s early retirement age:
If you claim your pension before the normal retirement age for your pension scheme, it will be reduced because it is paid early. The reduction depends on which pension scheme you’re in and how many years before your retirement age it’s being claimed.
Log into the Portal and use the modeller to see how much your pension might be reduced by. If you can’t access the Portal, use the Early Retirement Estimator.
If you still work for the Civil Service - talk to your employer about your plans to retire early and arrange a planned retirement date. Your employer will then request a retirement quote from us.
If you have left the Civil Service and have an unclaimed pension – complete a Change of details and Retirement Form – Deferred members and send it to us. Remember to include the date you want your pension to start from.
Read your scheme guide for more information on early retirement
Partial retirement allows pension scheme members to take some or all of their pension and tax-free lump sum, while they continue working.
The State Pension is separate to your Civil Service pension. Visit the Gov.uk website for more information.