North Yorkshire Pension Fund

Retirement

For members who left the Local Government Pension Scheme (LGPS) after 31 March 2014:

You can claim your deferred pension benefits any time between age 55 and 75
We will pay your deferred benefits from your normal pension age (NPA). Your NPA is the age you can take the pension benefits you have built up without a reduction. Your NPA is the same as your State Pension age (a minimum of age 65).

You can however, choose to take your pension from age 55 at a reduced rate. If you built up pension in the LGPS before 1 April 2014, protections are in place for the NPA that applies to those benefits. Additional protections may apply if you joined the LGPS before 1 October 2006.
Retirement after normal pension age
Pension benefits taken after this date will be increased to account for late payment. Your pension benefits must be paid before your 75th birthday.
Changes to your State Pension age
Any future changes to your State Pension age will mean that your NPA for the deferred benefits you built up from 1 April 2014 will also change. However, if you were in the scheme before 1 April 2014, the protected NPA for the deferred benefits you built up before 1 April 2014 will not change.

For members who left the LGPS on or before 31 March 2014

You can claim your deferred pension benefits any time between age 55 and 75
We will pay your deferred benefits from age 65, this is your normal pension age (NPA) (except for some members with an earlier protected NPA of age 60). Your NPA is the age you can take the pension benefits you have built up without a reduction.

You can however, choose to take your pension from age 55 at a reduced rate. Additional protections may apply to members who joined the LGPS before 1 October 2006.
Retirement after age 65
Pension benefits taken after age 65 will be increased to account for late payment. Your pension benefits must be paid before your 75th birthday.

Ill Health Retirement

For members who left the LGPS after 1 April 2008:
Pension benefits are paid at any age without a reduction if you are unlikely to be capable of gainful employment within 3 years of applying for your pension benefits, or before your NPA if sooner. You should contact your former employer to discuss your circumstances.
For members who left the LGPS before 31 March 2008:
Pension benefits are paid at any age without a reduction if you are no longer capable of performing the duties of your old job. You should contact your former employer to discuss your circumstances.

Further information can be found in the Ill Health Retirement Guide - Deferred Member here.