How does your pension work?
Watch the short videos below to understand how your LGPS pension works and how your benefits build up over time.
Why Join?
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Pension for Life
A guaranteed income paid to you in retirement.
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Employer Contributions
Your employer contributes towards the cost of your pension while you are a member.
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Tax Savings
Your contributions receive tax relief, reducing the actual cost to you.
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Ill Health Protection
Additional benefits may be available if you become unable to work due to ill health.
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Death Grant
Financial support for your dependants if you die while an active member.
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Benefits for Your Family
Pensions or other benefits may be available to your loved ones.
Before You Decide
Think Carefully Before Opting Out
Opting out may increase your take-home pay today, but it also means giving up valuable benefits and employer contributions.
For most members, remaining in the LGPS offers significant long-term value.