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Opting out with more than 2 years membership

You are entitled to a deferred benefit. This is payable at your normal pension age and increases with the cost of living.

You can take your deferred benefit from age 55 but it is reduced for early payment. You must have left your post before the pension can be paid.

You may be able to transfer your deferred benefit to another pension arrangement.

If you die before the deferred benefit is brought into payment, a lump sum death grant is payable.

View information about deferred benefits