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FUND FACT SHEETS

 
The Fund publishes a number of fact sheets to tell you about the main features of the Scheme and more specific guidance.
 
We hope you find the guidance useful, whether retirement is many years away or just around the corner. We have deliberately used simple terms wherever possible in our guidance and avoided much technical detail which appears in the Scheme regulations. It is the actual regulations however which will be used in the event of any dispute or disagreement.
 
Fact Sheet 1: Reductions in Pay
Fact Sheet 1 - Reductions in PayDownload                                                                            
 DECEMBER 2011 (PDF, 3 pages, 59KB) Opens New Window
 
This fact sheet is intended for those whose level of pay is reduced by reasons other than a change in the hours worked.
Fact Sheet 2: Tax and your Benefits
 DECEMBER 2009 (PDF, 8 pages, 171KB) Opens New Window
 
In this fact sheet we look at the HM Revenue and Customs (HMRC) rules that govern pension savings.
Fact Sheet 3: Contribution Bands 2013/2014
PDF Document JANUARY 2013 (PDF, 1 page, 56KB) Opens New Window
 
On 1 April 2013, the contribution earnings bands on which employee contributions are based will change.
Fact Sheet 4: Is the Local Government Pension Scheme for me?
PDF Document APRIL 2013 (PDF, 5 pages, 200KB) Opens New Window
 
In this fact sheet we look at the wide range of benefits available to both full and part-time employees in local government.
Fact Sheet 5: Pensions and Divorce/Dissolution
 OCTOBER 2008 (PDF, 4 pages, 110KB) Opens New Window
 
In this fact sheet, we look at what happens to your LGPS benefits if you get divorced or your civil partnership is dissolved.
Fact Sheet 6: Life Cover in the LGPS
Fact Sheet 6 - Life CoverDownload
 JANUARY 2010 (PDF, 6 pages, 99KB) Opens New Window
 
This fact sheet details how the Scheme provides valuable life cover and financial protection to your family in the event of your death.
Fact Sheet 7: Transferring Pension Rights
Fact Sheet 7 - Transferring Pension RightsDownload
 JANUARY 2010 (PDF, 4 pages, 102KB) Opens New Window
 
This fact sheet explains how members can transfer previous pension rights into the LGPS.
Fact Sheet 8: Leave of Absence
Fact Sheet 8 - Leave of AbsenceDownload
 JANUARY 2010 (PDF, 4 pages, 56KB) Opens New Window
 
This fact sheet explores how your membership in the LGPS could be affected and your benefits reduced if you are off work for any reason.
Fact Sheet 9: Leaving your job before Retirement
Fact Sheet 9 - Leaving your job before RetirementDownload
 JANUARY 2010 (PDF, 12 pages, 218KB) Opens New Window
 
This fact sheet looks at what happens to your LGPS benefits on leaving your job before retirement if you pay into the LGPS on or after 1 April 2008.
 Fact Sheet 10: Changes in Dependant's Benefits
Fact Sheet 10 - Changes to Dependant's BenefitsDownload
 FEBRUARY 2010 (PDF, 4 pages, 136KB) Opens New Window
 
This fact sheet explainins recent changes to the LGPS which may affect the survivor’s pension payable on your death if you are in a registered civil partnership or have nominated a cohabiting partner.
Fact Sheet 11: Combining previous LGPS membership
Fact Sheet 11: Combining previous LGPS membership (EXPIRED 30/9/11)
 EXPIRED 30 SEPTEMBER 2011
This fact sheet looked at the options available from 1 October 2010 to     30 September 2011 if you had re-joined the Scheme and had previous LGPS pension rights as an employee in England or Wales.
Fact Sheet 12: If you joined the LGPS before 1 April 2008
Fact Sheet 12: If you joined the LGPS before 1 April 2008Download
 NOVEMBER 2010 (PDF, 5 pages, 89KB) Opens New Window
 
A new-look LGPS was introduced from 1 April 2008, changing the cost and benefits of being a member of the LGPS. this fact sheet we look at how your LGPS benefits are affected if you joined the LGPS before 1 April 2008.
Fact Sheet 13: Changes to tax relief and your pension - April 2011
LGE leaflet on Pension Implications for High Earners from 6 April 2010Download
 NOVEMBER 2010 (PDF, 3 pages, 179KB) Opens New Window
 
This fact sheet contains useful information in regard of the Government’s announcement to change the tax limits applying to pensions with effect from April 2011.
Fact Sheet 14: Hutton Report: Questions & Answers
Fact Sheet 14 (PDF, 3 pages, 143KB)Download
 MARCH 2011 (PDF, 3 pages, 143KB) Opens New Window
 
This fact sheet answers some questions likely to be in members minds after the publication of the Independent Public Service Pensions Commission's final recommendations concerning the future of public sector pension schemes.
Fact Sheet 15a: Leaving the LGPS on Redundancy or Efficiency grounds
                      (For Members under age 55)
Fact Sheet 15a (PDF, 1 page, 52KB)Download
 MAY 2011 (PDF, 1 page, 52KB) Opens New Window
 
Volunteering to take early retirement on either Redundancy or Business Efficiency grounds* can be a very unsettling time, but rest assured, your Local Government Pension Scheme (LGPS) benefits will be protected - whatever happens. This factsheet describes what will happen to your LGPS benefits if you under age 55.
Fact Sheet 15b: Leaving the LGPS on Redundancy or Efficiency grounds
                      (For Members aged 55 and over)
Fact Sheet 15b (PDF, 1 page, 45KB)Download
 MAY 2011 (PDF, 1 page, 45KB) Opens New Window
 
Volunteering to take early retirement on either Redundancy or Business Efficiency grounds* can be a very unsettling time, but rest assured, your Local Government Pension Scheme (LGPS) benefits will be protected - whatever happens. This factsheet describes what will happen to your LGPS benefits if you are aged 55 or over.
Fact Sheet 16: Fixed Protection
Tax implications from April 2012 for anyone whose pension benefits are already valued at £1.5m or moreDownload
 FEBRUARY 2012 (PDF, 5 pages, 79KB) Opens New Window
 
This fact sheet explores the tax implications for anyone whose pension benefits are valued at £1.5m or more, by the upcoming reduction in the Lifetime Allowance from April 2012 and the ability to apply for fixed protection before 6 April 2012.