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
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