Moving a Pension into the LGPS

At a glance

✓ Most types of pension can be transferred into the LGPS.

✓ You must usually apply within 12 months of joining the LGPS.

✓ You must currently be paying contributions to the LGPS.

✓ The LGPS does not charge a fee for transferring a pension.

 

What is the Process?

Transferring a pension will usually involve the following steps:

1
Submit an application
Complete and return your transfer-in form. This is included in your starter pack.
2
Provide consent
Return the authority form so we can obtain information from your previous provider.
3
Receive an estimate
We will calculate how much membership or benefits the transfer could provide.
4
Decide
Review your options and decide whether you wish to proceed.
✓
Transfer completed
Your benefits will be transferred into your LGPS membership.

Who can transfer a pension?

You can apply to transfer a pension into the LGPS if you are:

  • Under age 75
  • Paying contributions to the LGPS

You cannot transfer benefits if you have:

  • Left your LGPS employment
  • Opted out of the scheme
  • Started receiving pension benefits

Which pensions can be transferred?

✓ We accept:

  • Occupational pensions
  • Personal pensions
  • Self-employed pensions
  • Stakeholder pensions
  • Pension buyout policies

You should check with your previous pension provider whether a transfer is possible before applying.

✕ We do not accept:

  • Drawdown pensions
  • Partial transfers
  • Pension credits from Pension Sharing Orders
  • Previous LGPS membership as a Councillor

Public Sector Transfer Club

If you are transferring benefits from another public sector pension scheme, you may be able to use the Public Sector Transfer Club. This arrangement is designed to help members transfer benefits between public sector schemes on special terms.

Further information is available on the Civil Service website.

Read more about the Public Sector Transfer Club →

Things to consider

The LGPS does not charge a fee for transferring a pension. However, some pension providers may charge administration or exit fees.

We recommend obtaining independent financial advice before making a decision about transferring pension benefits.

Please note: If your previous pension benefits are with an LGPS fund in England or Wales, please see the page on Rejoining the LGPS.