Last year The LGPS (Amendment) Regulations 2018 introduced the early payment of deferred benefits at age 55 for members who left active membership of the Scheme before 1 April 1998.


A further change to the scheme rules has been made to allow these members to access their benefits early from the age of 55. I.e. at any point between age 55 and their Normal Retirement Date (NRD). If you left the LGPS before 1 April 1998, your NRD will be between age 60 and 65 depending on when you joined the scheme – you can find this information on your deferred benefit statement. You must take payment of your deferred benefit at NRD (if you have not taken payment before).


In addition, these members no longer have to leave all local government employment to take payment of their deferred benefit. This means that if they are working in another local government employment (i.e. a different employment to the one they were in when they built up their deferred benefit) they can now choose to take payment of their deferred benefit and continue in local government employment.


If you choose to take your deferred benefits earlier than your Normal Pension Age (NRD) they will normally be reduced to take account of the fact that your pension will be paid for longer. How much your deferred benefits are reduced by will depend on how early you take them. The reduction is based on the length of time (in years and days) between the date you take them and the date your deferred benefit is payable without a reduction for early payment. If you are unsure when your NRD is you should check your deferred benefit statement.


The early retirement reduction factors are set by the government and can vary from time to time. The current factors can be found on the national LGPS member website -


More information about taking your deferred is available on the national LGPS website


The above changes are backdated to 17 April 2018. If you would like to apply for early payment of your deferred benefit, then please contact us on the details at the bottom of this page.