{
  "url": "https://openlegislation.uk/national-health-service-pension-scheme-regulations-1995/regulation-E5",
  "json_url": "https://openlegislation.uk/national-health-service-pension-scheme-regulations-1995/regulation-E5.json",
  "legislation": "uksi/1995/300",
  "legislation_title": "The National Health Service Pension Scheme Regulations 1995",
  "legislation_url": "https://openlegislation.uk/national-health-service-pension-scheme-regulations-1995",
  "path": "regulation/E5",
  "kind": "regulation",
  "number": "E5",
  "heading": "Early retirement pension (with actuarial reduction)",
  "text": "(1) A member with at least 2 years’ qualifying service, who retires from pensionable employment at any time after reaching normal minimum pension age or, where relevant, protected pension age, but before reaching age 60, shall be entitled, subject to paragraph (4), to a pension under this regulation.\n(2) The pension under this regulation will be calculated as described in regulation E1 (normal retirement pension) and, except for any pension in respect of service calculated as a result of exercising the right to buy additional service under regulation Q1 or the right to buy an unreduced retirement lump sum under regulation Q2, it will then be reduced by such amount as the Secretary of State, after taking the advice of the Scheme Actuary, may determine.\n(3) Where a pension is payable under paragraph (1), any other amount payable under these Regulations which is paid early shall be reduced in like manner as described in paragraph (2).\n(4) A member shall not be entitled to a pension under this regulation if the Secretary of State determines, having taken advice from the Scheme Actuary, that the pension, as reduced under paragraph (2), would be insufficient to meet her liability to provide a guaranteed minimum pension.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Words in reg. E5(1) substituted (6.4.2006) by The National Health Service (Pension Scheme, Injury Benefits and Additional Voluntary Contributions) Amendment Regulations 2006 (S.I. 2006/600), regs. 1(2)(b), 8"
    },
    {
      "type": "F",
      "label": "F2",
      "text": "Words in reg. E5(2) substituted (1.4.2010) by The National Health Service Pension Scheme, Injury Benefits and Additional Voluntary Contributions (Amendment) Regulations 2010 (S.I. 2010/492), regs. 1(2), 6"
    },
    {
      "type": "F",
      "label": "F3",
      "text": "Words in reg. E5(2) substituted (14.12.2007) by The National Health Service (Pension Scheme, Injury Benefits, Additional Voluntary Contributions and Compensation for Premature Retirement) Amendment Regulations 2007 (S.I. 2007/3280), regs. 1(2), 2(4)"
    },
    {
      "type": "F",
      "label": "F4",
      "text": "Words in reg. E5(4) substituted (14.12.2007) by The National Health Service (Pension Scheme, Injury Benefits, Additional Voluntary Contributions and Compensation for Premature Retirement) Amendment Regulations 2007 (S.I. 2007/3280), regs. 1(2), 2(4)"
    },
    {
      "type": "C",
      "label": "C1",
      "text": "Reg. E5 applied (1.4.2015) by The National Health Service Pension Scheme (Transitional and Consequential Provisions) Regulations 2015 (S.I. 2015/95), regs. 1(b), 33(2)(b)"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/1995/300/regulation/E5",
    "retrieved_at": "2026-10-29T13:17:02.304130+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}