Normal retirement is when you can retire and receive your full LGPS benefits. You receive your full LGPS benefits at your normal pension age (NPA).
Your NPA is your State Pension age (SPa), but is at least age 65. The government intend to make changes to the SPa in the future. This means that your NPA in the LGPS could change. Find out your SPa on the government website GOV.UK
Under some pension arrangements you can draw down or withdraw cash from your pension however this does not apply to your LGPS pension. If your pension includes a lump sum, you must take it at the same time as your annual pension.
MyPension Online
You can calculate projections for voluntary retirement on MyPension Online. Create an account or log in to MyPension Online
Estimate
We send you an annual benefit statement each year. This provides an illustration of the pension you have built up. It does not show reductions that may apply if you take your pension before your normal pension age.
When you are thinking of retiring you need a more accurate estimate. You must ask your employer to request this as they provide us with your pay details. If you do not know who your employer is, you should ask your line manager. When your employer requests an estimate, we write to you. If you need help understanding your estimate, please read the guide to your estimate documents.
Retirement process
Find out about the retirement process
Converting pension to lump sum
It is possible to convert some of your annual pension to provide an extra tax-free lump sum. Find out about converting some of your pension to a lump sum
Pre retirement course
We offer a free pre retirement course for those who have contributed to to the LGPS and are within 10 years of taking their pension. Find out about the pre retirement course