Your options at different ages

You’d normally take your benefits at age 65… but you have choices.


What happens if I keep working for my employer and want to continue contributing to the RMPP?

If you work for your employer beyond 65 then you can continue to contribute to the RMPP. Your benefits will become payable as soon as you leave or opt out. No late retirement factor is applied.

What if I want to take benefits before age 65?

You can apply to take benefits at any time after the age of 55 (or earlier on grounds of ill health). The benefits will generally be reduced because they are payable early – a reduction might not apply if you are retiring on grounds of ill health.

How do I get a quotation?

If you’re at least 54 years and eight months old, you can ask the Pensions Service for a personalised quotation of the options available to you.

Just send an email to with details of your request, and remember to include your name, date of birth and membership number.

If you don’t know which section you’re in, contact the Helpline (contact details are at the bottom of the page); or If you recieve an Annual Benefit Illustration the section is noted on the front page.