Taking my benefits early

You can take your benefits before Normal Pension Age but in some cases you may need your employer's permission and your benefits may be reduced.

Early retirement at your request

You can take your benefits from age 55. Your benefits may be subject to reduction to reflect the fact they are being paid earlier. Your employer can then decide if it wishes to waive any of these reductions. You will need to contact them to find out what their policy is.

If you choose to take your benefits before your normal pension age they may be reduced because they will be paid earlier and for longer than had you waited.


Example of taking my benefits early