Late Retirement

Retirement at Age 75

You can remain in employment and contribute to the LGPS right up until 2 days before your 75th birthday. Benefits that become payable after your 65th birthday are subject to an increase in order to reflect the fact that they are being paid after your Normal Retirement Age (65).

All LGPS benefits must be paid by your 75th birthday.

If you have been paying Additional Voluntary Contributions (AVCs) you need to arrange for these to be brought into payment before the age of 75.

Retirement Between the Ages of 65 and 75

If you choose to continue working beyond the age of 65 your benefits must be paid before your 75th birthday. Because you are taking your benefits after the age of 65, your benefits will be increased to reflect their "late" payment in accordance with guidance issued by the Government Actuary.

Benefits paid after the age of 65 will be paid without reduction regardless of the number of years' membership that you have and you are free to leave your job at any time and receive your benefits immediately.