Currently, the NMPA is 55, but it will increase to 57 on 6 April 2028 to encourage longer saving for retirement. This means if you haven’t reached age 55 by 6 April 2028, you’ll have to wait an extra two years before the earliest date you can take your benefits.

The NMPA won’t affect you if, like most people, you’re planning to retire at the Fund’s Normal Pension Age – typically 60 or 65.

It’s worth bearing in mind that if you retire early in good health, the starting rate of your pension will be reduced to reflect that it will be expected to be in payment for longer.

Are there any exceptions?

You can still access your Fund benefits earlier in certain situations, such as if you have ill health or a Protected Pension Age.

Ill health

If you are suffering from ill health, it may be possible to apply for your pension to be put into payment before age 57, subject to meeting certain criteria, including medical evidence being provided, and a reduction may apply to reflect the early payment.

Protected Pension Age

A small number of members have a Protected Pension Age (PPA), allowing them to take benefits from age 55 (or earlier in some cases), even after the NMPA changes in April 2028.

Having a PPA for the Fund doesn’t mean you’ll have it for all your pensions, and you’ll need to check each individual pension. You can track down all your pensions on the government website. If you transfer out of the Fund, your PPA in most circumstances would no longer apply.

Get advice

If you’re thinking of taking your benefits soon, you should speak with an independent financial adviser. You can find an independent financial adviser at MoneyHelper or, the Trustee has agreed specific rates for Fund members with Liverpool Victoria Financial Advice Services Limited (LVFAS).

Find a financial adviser

Where can I find out more?

Visit the government website for more information about the increasing NMPA.

If you have any questions about the change, get in contact.