What is Normal Pension Age?
From 1 April 2014 the Normal Pension Age (NPA) of the scheme is linked to your State Pension Age (SPA) (but with a minimum of 65). However, protection is in place for members who built up benefits in the final salary scheme which means that the NPA for these benefits is protected and remains, for almost all members, at age 65.
For members who joined the LGPS on or after 1 April 1998, the NPA for benefits built up before 1 April 2014 is age 65 (in almost all cases).
For members who joined the LGPS before 1 April 1998 and left before 1 October 2006, their deferred pension benefits are normally payable in full at their Normal Retirement Date (NRD).
NRD is different from the NPA for members who joined on or after 1 April 1998, and is:
age 60, if by that age 25 years membership would have been built up if they had remained in the scheme until then, or
the date the member would have achieved 25 years membership if they had remained in the scheme, if that date falls between their 60th and 65th birthday, or
age 65 if, by that age, the member would not have had built up 25 years membership if they had remained in the scheme until then.
If you were a member of the LGPS at any time between 1 April 1998 and 30 September 2006, some or all of your benefits could be paid in full before age 65 if you are protected by the 85-year rule. You can find out more about the 85-year rule The 85 year rule
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