Who can join?
You can join if you:
- are under age 75, and
- work for an employer that allows you to join the Scheme.
Most employees who are allowed, will join the scheme
automatically. If you have a contract of employment that is for
less than 3 months you need to elect to join the scheme as your
membership is not automatic.
How do I join?
If you are not already a member and you want to join you should
speak to your employer.
If you are not already a member and you subsequently meet the automatic-enrolment
criteria then you will automatically join the LGPS from the pay
period in which this occurs.
Alternatively, if you have opted-out of the LGPS in the past you
may be re-enrolled
back into the Scheme again in the future.
How do I know if I have already joined?
Check your payslip to see if you are paying in and if not,
contact your employer to see if you can join.
What if I am already a member of another pension
You can also be a member of the Scheme if you are already
contributing to a personal pension or stakeholder arrangement.
You must have less than three months' Scheme membership to
qualify for a refund of your contributions and have not transferred
in benefits from another pension scheme. You will then be treated
as having never joined the Scheme. Otherwise you will have to claim
your refund from the pension fund.
Only your own contributions are refundable, those paid by your
employer are not. There will be deductions to account for tax and