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The 85 year rule

If you were a member of the LGPS at anytime between 1 April 1998 and 30 September 2006, some or all of your benefits could be protected from an early payment reduction under what is called the 85 year rule.

If you have 85 year rule protection this continued to apply to pension benefits built up to 31 March 2020.

The protection does not automatically apply if you choose to voluntarily draw your pension on or after age 55 and before age 60.

To have protection under the 85 year rule you must satisfy the following condition at the date you draw your pension benefits:

  • Your age (in whole years) plus your scheme membership (in whole years) must add up to 85

If you work part-time, your membership counts towards the rule of 85 at its full calendar length. Not all membership may count towards working out whether you meet the 85 year rule.

How can I find out how much my pension would be with the 85 year rule?

If the 85 year rule protection applies, this will be included in any pension projection that you make on your My Wiltshire Pension portal.

Log in to My Wiltshire Pension > Your pension projection (opens new window)

LGPS Member 85 Year Rule (opens new window)

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