If you have left or intend to leave the Scheme with either:

• two or more years qualifying membership in the Scheme,
• or less than two years in the Scheme , with pension rights previously transferred from a personal, money purchase or stakeholder pension.

You can choose to defer your benefits i.e. leave benefits in the Scheme for payment when you reach your Normal Pension Age.

Deferment occurs automatically once you leave these benefits in the Scheme for a minimum of 12 months without transferring to another provider or returning to the HSC pensionable membership.

For more information about deferred benefits please click read the Deferred Membership section.