Retirement Resignation Letter (UK)
A retirement resignation letter formally notifies your employer of your intention to retire from your position under UK employment law. This guide explains the proper notice period, pension considerations, and what to include.
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Generate Retirement LetterWhen to use a retirement resignation letter
A retirement resignation letter is appropriate when you're permanently leaving the workforce at or near state pension age, or when taking early retirement. Key situations include:
- •Reaching state pension age: Currently 66 in the UK, rising to 67 by 2028
- •Early retirement: Leaving before state pension age with sufficient pension provision
- •Ill-health retirement: Medical retirement due to health conditions
- •Planned retirement date: When you've reached your personal retirement timeline
Things to consider before retiring
Notice period requirements
You must provide the same notice period as any other resignation—check your contract. Most employers appreciate longer notice for retirement (3-6 months) to plan succession, though you're only legally bound by your contract terms.
Pension arrangements
Contact your pension provider before submitting your retirement letter. Understand your pension options, tax implications, and optimal withdrawal timing. According to the Pension Advisory Service, accessing pensions incorrectly can cost thousands in unnecessary tax.
Holiday pay and final payments
You're entitled to payment for all accrued but untaken holiday. Consider whether to take holiday during your notice period or receive payment. Also clarify arrangements for any bonuses, pension lump sums, or other final payments.
Phased retirement options
Some employers offer phased retirement, allowing you to reduce hours gradually. This can ease the transition and supplement pension income in early retirement. Discuss options with HR before submitting your letter.
What to include in your retirement letter
Your retirement letter should be warm yet professional:
- 1.Clear statement of retirement: State you're retiring (not just resigning)
- 2.Retirement date: Specify your intended last working day
- 3.Gratitude and reflection: Thank your employer for your career there
- 4.Transition support: Offer to help train your replacement or hand over responsibilities
- 5.Positive closing: Wish the organization continued success
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