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You can claim your Pension Credit benefits when you reach the Normal Pension Age (NPA) of the Scheme your benefits were transferred from:

  • 1995 Section NPA is age 60.
  • 2008 Section NPA is age 65.
  • 2015 Scheme is State Pension Age or age 65 if this is later.

If the Pension Sharing Order is made after the NPA of the Scheme your benefits are in, your pension will be payable from the date of the Order.

If your former spouse has Special Class or Mental Health Officer Status, this allows them to retire with their full pension at age 55. You cannot take your Pension Credit benefits in full at age 55.

If you’d like to take your benefits at age 55, they’ll be reduced through Actuarially Reduced Early Retirement (ARER).

Your Pension Credit benefits can only be paid before age 55 if you become permanently incapable of any regular employment due to ill health.

To claim your Pension Credit benefits, download and complete the AW8PC application form.

For more information on Pensions on Divorce or Dissolution of a registered civil partnership visit our website.