Member's whose age plus scheme membership (in whole years) equals 85 may be able to take their pension before their Normal Pension Age, without it being reduced for early payment.
The Rule of 85 was abolished in 2006 but protection was put in place which allows some members to qualify for Rule of 85 protection.
Were you a member of the Pension Scheme before 1 December 2006 in the pension record that you are intending to retire from?
Were you born before 1 April 1960?
You have no Rule of 85 protection and your benefits will be reduced if you retire before your Normal Pension Age.