Retiring at your own choice
Members who joined before
1 October 2006 only

Tapered protection applies to you if:
You were born between 1 April 1956 & 31 March 1960, and

You retire at 60 or over and before 1 April 2020

This means…
The benefits you build up before 1 April 2008 are ‘protected’ - in other words, they are not reduced as long as you pass the 85 test

And the benefits you build up from April 2008 will be protected on a tapered basis - in other words they won’t face the full reduction as long as you pass the 85 test. Take the date from age 60 or over when you pass the 85 test. The nearer this is to 1 April 2016, the smaller the reduction.

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