Introduction to retirement

When can you retire?

Whatever your circumstances, you must have at least three months' total membership in the Scheme or have brought a transfer value into the Scheme from another scheme.

If you satisfy that condition, you can retire with immediate benefits if any of the following apply:

• Your have reached your normal retirement age or age 60

• You are too ill to work and this is can be certified by the fund doctor (ill-health retirement)

• You are over 55 and your employer offers you early retirement on the grounds of redundancy or efficiency

• You are over 55 and take voluntary early retirement or flexible retirement with your employer's agreement

• At any time after age 65 but before age 75