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Are you leaving employment? If not, you can choose deferred benefits on opting out of the scheme without leaving.

If yes, and you are aged over 60, you can receive full payment of both your 2006 and 2015 pensions. If you leave and you are not yet aged 55 you can defer your 2015 pension for payment at your State Pension age or earlier with reduction.

If you are aged between 55 and 60, you can receive full payment of your 2006 pension.

You will need to choose whether you wish to receive reduced 2015 scheme benefits. If you do, you can receive your 2006 pension in full as well as your 2015 pension with reductions. If you don’t, you can defer your 2015 benefits until you reach your State Pension age or earlier with reduction.