Can I take my benefits before my Normal Pension Age (NPA)?

You can elect to retire and receive your deferred benefits from age 55 onwards. If you retire between age 55 and your NPA your benefits may be reduced to take account of their early payment and the fact that your pension will be payable for longer.

If you become ill before your deferred benefits are due to be paid, you may be able to access them immediately.  NILGOSC must be satisfied that your illness is permanent and would have resulted in your retirement on medical grounds if you still worked in the job which related to your deferred benefits. You may also have to have a reduced likelihood of being capable of undertaking another job before your normal retirement age.