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Document If I am a Pension Credit member, when can I claim my pension?

You can claim your Pension Credit benefits when you reach the Normal Pension Age (NPA) of the Scheme your Pension Credit benefits were transferred from.
  • 1995 Section of the NHS Pension Scheme this is age 60.*
  • 2008 Section of the NHS Pension Scheme this is age 65.
  • 2015 Scheme this is your State Pension Age or age 65 if this is later.
If the Pension Sharing Order is implemented after the NPA of the Scheme in which you have a Pensions Credit, your pension will be payable from the date of the implementation.

Please note: from 06/04/2010 the earliest that you will be able to take your pension as an early payment of benefits increased from age 50 to 55. This is irrespective of when your Pension Sharing Order was implemented.

Your Pension Credit benefits can only be paid before age 55 if you become permanently incapable of any regular employment due to ill health.

If your former spouse or civil partner has membership only from prior to 31st March 2000 then the above rules still apply.
*If your former spouse has Special Class or Mental Health Officer Status, meaning that they can retire with their full pension at age 55, this does not mean that you can take your Pension Credit benefits in full at 55 as well. If you would like to take the benefits at 55 then these would be reduced accordingly.

For more information, please see the Guide to Pensions on Divorce or Dissolution of a civil partnership on our website.
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