If you are part time

Retirement age & the 85 test

If you joined before 1 October 2006 and you choose to retire before age 65, your benefits may be reduced. To decide whether reductions apply, we carry out something called the 85 test, by adding together your age and membership. When we do this, we count part time membership at its full calendar length. In other words, whether you are full time or part time, this doesn’t change the age you can retire or any reductions which might apply.

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