Planned maintenance: Please note EAPF Online will be unavailable between 09:00 on 30 October until 17:00 on 31 October 2019 for essential maintenance. We apologise for any inconvenience caused.

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Deferred members over Normal Pension Age (NPA)

If you’re a deferred member over Normal Pension Age (NPA), your pension is payable now!

If you've passed your Normal Pension Age (NPA), then your deferred pension benefits with the Environment Agency Pension Fund (EAPF) are payable immediately.

The date you left employment determines what your options are. Click the box that applies to you below to see what you could get and how to apply.

Resources and online services

We have lots of useful factsheets, guides and videos in our Resources section to help you understand your pension. Read our Deferred member guide or watch our Deferred member webinar recordings. 

Our EAPF Online portal is the easiest way to manage and keep track of your deferred pension. Here you can update details, view or download your annual pension statements and even nominate your loved ones should the worst happen. Visit our ‘Your pension online’ page for more information.

Members who’ve left before 1 April 1998

If you left before 1 April 1998 and you’re over your NPA, you can no longer defer your benefits. This means you must receive the payment of your deferred benefits, and, therefore, you’ll need to contact us to take them. 

Your benefits will consist of an annual pension, together with an automatic tax free lump sum. There’s also the option to give up some of your pension to increase your lump sum and in some cases, you may have the option to give up some of your lump sum to increase your pension. Plus, you’ll receive an arrears of pension payment because of the backdating to your NPA.

Once your pension is paid, it will then be increased each April to take account of inflation.

Members who’ve left on or after 1 April 1998

If you left on or after 1 April 1998 and you don’t want to take your benefits at this time, you must get in contact with us in writing and request to defer taking your benefits. 

Your benefits will consist of an annual pension and, depending on when you joined the LGPS, you may also be entitled to an automatic tax free lump sum.  There’s also the option to give up some of your pension to increase your tax free lump sum (or generate a tax free lump sum if you joined the scheme after 31 March 2008). 

Once your pension is paid, it will then increase each April to take account of inflation.

If you’re unsure of whether you should take or defer your pension, you can visit the MoneyHelper website. MoneyHelper is a free, independent service set up by government. They give clear, unbiased money advice to help you make informed choices.

MoneyHelper also explains about the different types of professional advice available and can help you find an independent financial advisor (IFA) in your area.

Visit the MoneyHelper website.

What do I need to do next?

If you want to find out how much your benefits are worth, or if you wish to claim your benefits, please contact Capita. Simply click the link below to contact us and start the process.

Contact us to apply for your pension.

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