It's what you have been saving for and looking forward to. Learn about when you can retire and the different options that are available to you.
There are some general rules which apply to all members taking their pension:
Normal Pension Age is simply the age you can retire and receive your pension benefits in full, without any reductions. Normal Pension Age (NPA) differs depending on when you were paying in:
You cannot take your pre and post April 2015 benefits separately. They must be taken at the same time.
There are a number of options for retiring and taking your pension; from early to late, flexible, ill health or even in cases of redundancy.
Find Out MoreMany people wonder what Rule of 85 is, if they have it and how it affect their pension. Use our Rule of 85 Checker to see if you qualify.
Find Out MoreChoosing to take your pension before your Normal Pension Age means it will be reduced for early payment.
Find Out MoreIf you're ready to retire, find out the steps you need to take to get your pension and when you can expect to get your first payment.
Find Out MoreYou can see how taking your pension at different ages and under different circumstances effects its value by logging into your My Pension+ account and using the pension calculators.
LoginMembers with pension on hold until later in life (deferred members) can now view their 2024 pension statement online at My Pension+.
Unaudited Annual Accounts 2023-24 are now available for public inspection.
Unaudited Annual Accounts 2023-24 available in June for public inspection.
At the North East Scotland Pension Fund (NESPF), we try to make easing into retirement as smooth as possible for our 76,000 members.