If you have left the pension scheme before retirement age and you have more than three months calendar length membership, the benefits you have built up will remain in the scheme and will receive annual inflation increases until they become payable. These are in line with Pension increase tables.
We call these ‘deferred’ or ‘preserved’ benefits.
It is possible to have more than one deferred benefit in the scheme if you have more than one period of scheme membership.
We will send you a statement every year to your home address showing the current value of your deferred benefits after the addition of all the annual pension increases. Please let us know if you change your address.
Please note that once a pension is in deferment, then there are no options to increase this pension further.
If you left service between 01 April 1988 and 31st March 2004 you would have required two years membership to receive a deferred benefit. If you had less than two years pension payments would have been refunded or transferred out.
It is important to keep us up to date with any changes to your details. If we do not hold your current address, we will be unable to send you important communications, such as your annual benefit statement and details of retirement.
If you have changed your name, please complete the attached change of personal details form and enclose a copy of your legal evidence – for example your marriage or civil partnership certificate
If you have legally changed gender, please write to us at pension services and include your national insurance number and gender recognition certificate.
If you wish to change your death grant nomination details then you will need to complete and return a Death grant 'expression of wish' form
Please note that you cannot change who would receive a spouses pension. If there is an entitlement to this, this will be paid to your legal partner, subject to entitlement and evidence. You can however complete a Nominated Co-habiting partner form, subject to nomination conditions.
You can ask for your pension rights to be transferred to your new job, within twelve months, if you rejoin the Local Government Pension Scheme, but this will not happen automatically.
If you were to die whilst your Local Government Pension Scheme (LGPS) benefits were in deferment then a death grant lump sum would be payable to your estate or chosen nomination (subject to the administering funds discretion).
The amount of death grant payable, depends on the date of your last day of service.
The lump sum would be as shown on your most recent annual benefit statement
The lump sum would be five times the pension payable, as shown on your most recent annual benefit statement
If you have not made a nomination for your death grant lump sum, you can do this by completing a Death Grant Expression of wish form
Other death benefits payable whilst your pension is deferred may include:
A survivor’s pension for a nominated co-habiting partner was introduced into the scheme from 1 April 2008, provided you paid into the LGPS on or after then, and is based on your LGPS membership from 6 April 1988. To nominate (subject to conditions), please complete a Nomination of Cohabiting Partner for Survivor's Pension form.
The attached leaflet will provide you with details of Changes to Dependants Benefits.
Deferred pension benefits usually become payable at age 65. However:
If you stopped contributing to the Local Government Pension Scheme before 1 April 1998, you can only ask for your benefits to be paid at age 60, age 65 or your normal retirement date as under the 25 year rule.
You may also benefit for some protections under the 85 year rule.
Please see our Transitional Protections leaflet for more information about each of these rules.