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I'm thinking of retiring

It’s important that you have all the facts available to you about your retirement, to help you make those important decisions and understand how your EAPF benefits will work for you. This page gives you an overview of some of the things you might want to consider and what you can expect from the Fund.

For more information on the various retirement options you may have, see our 'Taking your pension' page by clicking here.

There’s also specific information on what to do if your circumstances change once you're receiving a pension available on our 'Change in circumstances' page, to view this click here.

I’m thinking of retiring, what do I need to consider?

You can retire from the age of 55, without needing your employer’s consent. If you did choose to take your benefits from this age they may be reduced because they are being paid early, that is, before your normal pension age (NPA). Your NPA is the later of your state pension age or 65. You can work out your state pension age by using the calculator on the website:

To understand what you might receive in retirement, you can use the retirement illustrator, which is available on EAPF Online. To access this, click here, you’ll need your logon details to access the information as this is specific to you and your circumstances. For help in logging on, or navigating the site, please click here.

You can also refer to your latest annual benefit statement or contact the administrators, Capita, who can provide you with an estimate of your benefits.

Once you’ve made a decision, you should inform your employer at least 3 months before the date you intend to retire to make sure your pension isn’t delayed.

For more information please download our factsheet on what you may wish to consider when making your decision.

What happens when I’ve informed my employer I want to retire?

The administrator, Capita, will write to you and send you an estimate of your benefits. This will include the pension you're likely to receive along with the options available to you. You may automatically receive a cash lump sum, or have the option to convert some of your pension into a lump sum.

If you’ve paid any additional voluntary contributions (AVCs) you'll also be able to decide how you wish to benefit from them.

Capita will also send you a form to complete, you'll need to confirm your bank details (to let us know where you want your pension to be paid), your marital or civil status and for details of other pensions or details that may be relevant. You should complete this accurately, as this may affect pensions paid to your dependents in the event of your death. 

It’s also a good idea to keep your Expression of Wish form up to date.

What should I do if I don’t agree with the decision made about my EAPF pension?

If you have a concern about your LGPS benefit entitlement, contact Capita. They will seek to clarify or put right any misunderstandings or inaccuracies as quickly and efficiently as possible. If you are still dissatisfied you can start the complaints process. Information on our complaints process can be found here.

If you're dissatisfied with any decisions made in relation to the EAPF, you have the right to have your complaint independently reviewed. The review process begins with the Internal Disputes Resolution Procedure (IDRP). If you're still not satisfied, your complaint continues to the Pensions Advisory Service (TPAS) and finally, to the Pensions Ombudsman, whose decision is final and binding.

If you would like more information about the IDRP, click here.