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 beyond age 65?

If you work for your employer beyond 65 then you can leave your benefits where they are but they will only receive annual increases. No late retirement uplift or enhancement 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. The government is increasing the minimum age at which you can take your benefits early (except on ill health) to 57 from 6 April 2028.

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.

You can request a quote by completing the online ‘Early Retirement form’.

Get in touch

1

For further help and information,
​contact the Pensions Service Centre:

  • Group 14 pensions.helpline@royalmail.com
  • Stroke 1 0345 603 0043
    Mon to Fri, 9.00am to 5.00pm
  • Fill 1 Pensions Service Centre,
    PO Box 5863, SHEFFIELD, S98 6AB
  • For questions about RMSPS
    benefits visit Capita at: royalmailsps.co.uk

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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.