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Retirement options
If you’re getting ready to take your pension savings, it’s important to know what your options are and what to do next. 

When you retire, there are several options for you to consider.

You can take up to 25% (but no more than £268,275) of your pension benefits 
from the Scheme as a tax-free cash sum. The remainder will be paid to you as income every month for the rest of your life.

You could also exchange some of income to provide for a spouse or dependant when you die.

Alternatively, you might choose to transfer your Amey OS Pension Scheme benefits to another authorised pension arrangement, which may give you further options on how to use your savings. You can learn more about those options in the short video to the right.

The Retirement pack below tells you more about your options and what to do when you’re ready to apply.

You should consider getting independent advice before making decisions about your finances. Visit to find independent financial advisers (IFAs) in your area.