When can I retire?

Your LGPS pension is payable in full from your normal pension age which is linked to your state pension age (but with a minimum of age 65).

However, you can choose to retire and draw your pension from the LGPS at any time from age 55 to 75, provided you have 2 years membership in the scheme. If you choose to take your pension before your normal pension age it will normally be reduced, as it's being paid earlier. If you take it later than your normal pension age it's increased because it's being paid later. You must draw your benefits in the LGPS before your 75th birthday.

If you are obliged to retire because of redundancy, business efficiency or permanent ill health, your LGPS benefits can, provided you have 2 years membership of the scheme, provide you with an immediate retirement pension, which may even be enhanced. 

If you voluntarily choose to retire before, on or after your normal pension age you can defer drawing your benefits but you must draw them before age 75. If you draw your pension after your normal pension age, your benefits will be paid at an increased rate to reflect late payment.