Scheme summary

Important scheme regulation changes from 10 January 2019

Members with a deferred pension who left before 1 April 1998

Changes in the regulations mean that you can now elect for early payment of your deferred pension from age 55. You can do this even if you are still in local government employment in another post. This change has been backdated to 17 April 2018.

Survivor benefits

Following a Supreme Court judgement, the regulations have changed to provide the survivors of:

  • Registered civil partners
  • Same sex marriages

with pension benefits comparable to those due to widows.

This change is effective from:

  • 5 December 2005 for Registered civil partners
  • 13 March 2014 for Same sex marriages

If you are affected by these changes, we will be writing to you shortly.

Widows’ and widowers’ benefits

There are some adjustments to widows’ and widowers’ pensions where:

  • The member ceased active service before 1 April 1998 and
  • Died after 9 January 2019

Again, if you are affected by this change, we will contact you shortly.

Pension calculations

Pension that you have built up at different times is calculated differently, as shown below.

When you paid in Annual pension Lump sum
From 1 April 2014 1/49 of each year's pay added to your pension account Choice to exchange pension for lump sum
1 April 2008 to 31 March 2014 Years / 60 × final pensionable pay = pension Choice to exchange pension for lump sum
Before 1 April 2008 Years / 80 × final pensionable pay = pension Lump sum worth three times the pension

For more information about the the scheme see the New member section.

Pension statements

Annual statements are issued at the end of each financial year, which show the updated value of your benefits. You can register to view your pension details, including future benefit statements online. The benefits of accessing your information electronically include:

  • ability to change your address, name or marital status online
  • secure view of all your pension statements
  • access to your payslips when you start receiving your pension

Register for online access

Once you have completed the initial registration, you will receive an activation code in the post to your home address so that you can finalise the process and access your details.

If you do not wish to register to receive your information online, you will need to opt out in writing (not email). Please include your national insurance number on your letter so that we can identify your record.

Other LGPS pensions that you are paying into

If you pay into the LGPS in two or more employments, those pension accounts must stay separate. If you leave the LGPS in one employment but carry on in the others, then the pension account you have stopped paying into will normally be joined to an ongoing one.

If you stop paying into a pension account and want it to stay separate from your ongoing accounts, you must notify us within 12 months and while paying into another LGPS pension. Your employer may have a policy to allow longer for you to make a decision. Check with them.

There are lots of things you should consider before deciding – you may find the notes in our Starter information and membership option form useful.

Previous LGPS pensions

LGPS accounts which became deferred before 1 April 2014

Your deferred pension will stay separate from your new pension account unless you elect to combine them. If you want to combine them, you must inform us within 12 months of joining the LGPS, unless your employer has a policy to allow longer. See the Past member section to find out more.

LGPS accounts which became deferred on or after 1 April 2014

Deferred LGPS pensions will normally be joined to your new pension account automatically, unless you elect to keep them separate. If you want to keep your pension accounts separate, you must inform us within 12 months of joining the LGPS, unless your employer has a policy to allow longer. See the Past member section to find out more.

Pensions from other pension schemes

If you want to transfer a pension from another scheme into your LGPS pension, you must normally do so within 12 months of joining the LGPS, and whilst still paying into it. A few employers have a policy to allow longer, you will need to check this with your employer.

Death in service

A death grant lump sum, and a pension for your partner and any eligible children, may be paid if you die in service.

Death grant

Worth three times annual pay if you die whilst paying into the LGPS. You can nominate someone to receive the death grant by completing a Death grant expression of wish form:

Your pension fund retains absolute discretion as to the distribution of any death grant, however if you express a wish it will be taken into account.

Partner's pension

For your husband, wife, civil partner or nominated cohabiting partner. If you are married or in a civil partnership, your partner will qualify to receive a pension automatically. If you are not married or in a civil partnership, but are cohabiting, your partner could also receive a pension if you meet certain conditions. Read the notes with the Nomination of cohabiting partner form:

Children's pensions

For eligible children.