If you change jobs, the pension you have built up can remain in the Scheme or be transferred to another pension scheme.

If you ever return to local government employment (excluding teaching) you re-join the Scheme or the LGPS elsewhere.

Can I opt out of the Scheme?

Although membership of the Scheme is automatic in many cases, it isn't compulsory, even if you join under automatic-enrolment. You can cancel your membership at any time. This is known as 'opting-out'.

You should be aware that in certain circumstances your employer may be obliged by law to re-enrol you into the LGPS at a later date, even though you have previously opted not to be in the Scheme.


Apart from the main retirement benefits, you will lose out on extras, such as ill health cover. You may wish to get independent financial advice before opting-out. You can find details on independent financial advice on the useful links page.


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