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Scheme members

1. Scheme members

Active members - are currently contributing to the Local Government Pension Scheme.

Deferred members - have contributed to the Local Government Pension Scheme previously. Visit the deferred members pages

Active scheme members

The main benefits of the LGPS are:

  • A secure pension, payable for life.
  • Flexible lump sum options (provided to you at your retirement).
  • Tax-efficient savings.
  • Employer contribution - your employer pays whatever amount is necessary to ensure that your benefits are properly funded.
  • Early retirement - you can choose to retire from age 55 and receive your benefits immediately, although they may be reduced for early payment. It’s also possible to retire from age 55 and receive your benefits immediately, if you are made redundant, retired on grounds of efficiency, or with your employer's consent.
  • Death cover - in the event of your death while contributing a pension would be payable to your surviving eligible children and or spouse / civil partner / cohabiting partner.
  • If you ever become seriously ill, you could receive immediate ill-health benefits, once you have been assessed by an Independent Registered Medical Practitioner.
  • Options to increase your pension by paying additional contributions. These additional contributions also attract tax relief.

Employee contribution bands

Contribution bands 01/04/17-31/03/18
 LGPS Contribution Table 2017/18
Band 
 
Actual pensionable pay for an employment
 
 Contribution rate for that employment
 Main LGPS section  50/50 LGPS section
1 Up to £13,700   5.5%   2.75% 
2 £13,701 to £21,400   5.8%  2.9%
3 £21,401 to £34,700   6.5%  3.25%
4 £34,701 to £43,900   6.8%  3.4%
5 £43,901 to £61,300   8.5%  4.25%
6 £61,301 to £86,800   9.9%  4.95% 
7 £86,801 to £102,200   10.5%   5.25%
8 £102,201 to £153,300   11.4%  5.7% 
9 £153,301 or more   12.5%  6.25%
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Last updated: 30 March 2017

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