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Cambridgeshire firefighters - information for pensioners 1992 Scheme Cambridgeshire Firefighters - Information for Pensioners 2006 Scheme Cambridgeshire Firefighters - Information for Pensioners 2015 Scheme Northamptonshire firefighters - information for Pensioners 1992 Scheme Northamptonshire Firefighters - Information for Pensioners 2006 Scheme Northamptonshire Firefighters - Information for Pensioners 2015 Scheme Notifying us of a death of Active Scheme Member Notifying us of a death of Deferred Scheme Member Notifying us of a death of Pensioner Scheme Member When can I take my benefits? (I have left employment before 1st April 2008) When can I take my benefits? (I have left employment after 31st March 2008 and before 1st April 2014) When can I take my benefits? (I have left employment after 31st March 2014) How is my pension calculated? (I am currently contributing into pension) How is my pension calculated? (I am deferred member of pension scheme) I need pension information for a divorce or dissolution of a civil partnership (I am active member of scheme) I need pension information for a divorce or dissolution of a civil partnership (I am deferred member of scheme) I would like to dispute a decision (I am active member of scheme) I would like to dispute a decision (I am deferred member of scheme) Protections for my family (I left employment before 1st April 2008) Protections for my family (I left employment after 31st March 2008) Rejoining the LGPS (I stopped contributing after 31st March 2008 and before 1st April 2014) Rejoining the LGPS (I stopped contributing after 31st March 2014) 1 April 2008 to 31 March 2014 leavers 1992 Fire pension scheme homepage 1992 Fire Scheme - Forms and Resources 1992 Fire scheme - information on your membership for active members 1992 Fire scheme - information on your membership for deferred members 2006 Fire pension scheme homepage 2006 Fire Scheme - Forms and Resources 2006 Fire scheme - information on your membership for active members 2006 Fire scheme - information on your membership for deferred members 2015 Fire pension scheme 2015 Fire scheme - forms and resources 2015 Fire scheme - information on your membership for active members 2015 Fire scheme - information on your membership for deferred members Active LGPS Annual Benefit Guidance Note 2019 Active members: about the scheme Active members: forms and resources Active members: managing my pension Annual Allowance Member Fact Sheet 2019 Annual Benefit Statements Boards and committees homepage Cambridgeshire committees and board Cambridgeshire investment sub committee Cambridgeshire key governance documents Cambridgeshire local pension board Cambridgeshire pension fund committee Can I pay less? Can I pay more? Changes in circumstances Claiming your pension Councillors and the LGPS Deferred members: about the scheme Deferred members: forms and resources Deferred members: managing my pension Existing LGPS pension scheme members homepage Existing members homepage Fire pensioners 1992 scheme homepage Fire pensioners 2006 scheme homepage Fire pensioners 2015 scheme homepage Firefighters pension scheme homepage Full Guide to LGPS 2019 Glossary of terms Governance homepage Help Home How are my benefits calculated? How are my deferred 2008 benefits calculated? How much do I have to pay? I am having some time off work I am thinking of leaving the scheme I would like to increase my benefits I would like to join the 50/50 section of the scheme I would like to know how much my pension is worth I would like to transfer a previous pension I'm thinking of joining homepage Information governance Is my pension taxed? Keeping us updated Key governance documents homepage Landing page Latest news LGPS active members homepage LGPS deferred members homepage LGPS pensioner members homepage Login/Register Northamptonshire key governance documents Pensioner newsletters, forms and factsheets Post 1 April 2014 Leaver Pre 1 April 2008 leaver Protection for my family Protection for your family Resolving complaints Thinking of joining the fire pension scheme? Thinking of joining the LGPS Thinking of joining: forms and resources Transferring from the LGPS Update my details What are my retirement options? What happens if I die in service? What if I want to leave the scheme? Your payments Videos Your Pension made simple Coronavirus
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  6. April 2008 to March 2014 leaver
  7. When can I take my benefits?

When can I take my benefits?

Contributions

The earliest you can take your pension, is age 55 but your benefits may be reduced because your pension will be paid for longer. How much your deferred pension benefits are reduced by will depend on how early you take them. The current early retirement reduction factors can be found on the Local Government Association’s (LGA) website.

You must take your benefits before your 75th birthday.

The 85 year rule

This rule ended on 1 October 2006 so only applies to members that joined the LGPS before that date. If you joined the LGPS before 1 October 2006, some or all of your benefits, if paid early, could be protected from reduction, if:

  • you joined the scheme before 1st October 2006
  • you reach the age of 60 before 31 March 2020
  • your pension benefits could be paid from the age of 60 and before the age of 65
  • your age and membership equal 85 before 31 March 2020

Depending on when these events happen, your pension benefits may be fully or partially protected from reduction. If you meet the 85 year rule when you retire, we’ll include the effect of this in any pension estimate or benefits. The only occasion where this protection does not automatically apply is if you choose to take your pension on or after the age of 55 and before the age of 60. However, your former employer can agree not to make any reduction. You can ask them what their policy on this is.

What if I am unable to continue work due to permanent ill health?

If you can’t work because of permanent ill health, before your normal pension age, you may be able to have your deferred pension benefits paid early.

You can apply for your deferred pension benefits at any age, without reduction, if:

  • you would be permanently unable to do the job you were working in when you left the LGPS, because of your health, and
  • you’re unlikely to be able to do another job within 3 years of applying for the benefit, or before the age of 65 if sooner.

You’ll need to direct your application to your former employer or the Administering Authority, if your former employer no longer exists.


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