T

The 85 year rule

If you were a member of the LGPS at any time between 1 April 1998 and 30 September 2006, you may be protected under the 85-year rule.

You satisfy the 85-year rule when your age and length of LGPS membership add up to 85. If you work part time, your membership counts towards the 85-year rule at its full calendar length.

The 85-year rule will apply if you’re over age 60 when you retire. What the 85-year rule means for you depends on:

• your age
• the date you meet the 85-year and
• the date you take your LGPS benefits.

If you’re protected and you take your benefits:

• after you satisfy the 85-year rule, some or all of your benefits will be paid without reduction
• before you satisfy the 85-year rule, your benefits will be reduced but the early payment reduction will be lower than the normal reduction that applies to a member who isn’t protected.