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GUIDES AND FACT SHEETS FOR MEMBERS
The Fund publishes a number of guides and fact sheets to tell you about the main features of the Scheme, the type of benefits you can look forward to in retirement, and how soon you can draw them. We also look at what happens if you fall ill, are made redundant, or die.
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.
| Guides |
| A Brief Guide to the Local Government Pension Scheme |
 JUNE 2009 (PDF, 24 pages, 722KB)  This guide is for those employees who were contributing members of the LGPS on 1 April 2008 or who have subsequently joined. It explains the benefits available to you when you join the Scheme, together with how the Scheme works, what it costs to join and the financial protection that it offers to you and your family.
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| Increasing your Benefits |
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MARCH 2008 (PDF, 2 pages, 559KB) This guide explores the options available to members when considering how to increase their benefits via a pension arrangement.
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| Councillors Guide to the Local Government Pension Scheme |
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JUNE 2007 (PDF, 60 pages, 1.92MB) This guide provides full information for those local councillors who are offered membership of the LGPS under their Council's scheme of allowances and who are under age 75.
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| Planning your Retirement |
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AUGUST 2009 (PDF, 48 pages, 780KB) You can look forward to enjoying a guaranteed package of benefits when you retire. In this guide, we look at how your retirement benefits are worked out and when you can retire if you pay into the LGPS on or after 1 April 2008.
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| Fact Sheets |
| Fact Sheet 1: Reductions in Pay |
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JULY 2009 (PDF, 3 pages, 104KB) This fact sheet is intended for those whose level of pay is reduced by reasons other than a change in the hours worked.
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| Fact Sheet 2: Tax and your Benefits |
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DECEMBER 2009 (PDF, 8 pages, 171KB) In this fact sheet we look at the HM Revenue and Customs (HMRC) rules that govern pension savings.
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| Fact Sheet 3: Contribution Bands |
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FEBRUARY 2009 (PDF, 1 page, 96KB) From 1 April 2009, the contribution rate will change for all members.
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| Fact Sheet 4: Your Pensions Choice |
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OCTOBER 2008 (PDF, 8 pages, 220KB) In this fact sheet we look at your pensions choice, who can join the LGPS and the cost of joining.
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| Fact Sheet 5: Pensions and Divorce/Dissolution |
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OCTOBER 2008 (PDF, 4 pages, 110KB) In this fact sheet, we look at what happens to your LGPS benefits if you get divorced or your civil partnership is dissolved.
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Fact Sheet 6: Life Cover in the LGPS
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 Download
JANUARY 2010 (PDF, 6 pages, 99KB) This fact sheet details how the Scheme provides valuable life cover and financial protection to your family in the event of your death.
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| Fact Sheet 7: Transferring Pension Rights |
 Download
JANUARY 2010 (PDF, 4 pages, 102KB) This fact sheet explains how members can transfer previous pension rights into the LGPS.
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| Fact Sheet 8: Leave of Absence |
 Download
JANUARY 2010 (PDF, 4 pages, 56KB) 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.
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| Fact Sheet 9: Leaving your job before Retirement |
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JANUARY 2010 (PDF, 12 pages, 218KB) 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.
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| Fact Sheet 10: Changes to Dependant's Benefits |
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FEBRUARY 2010 (PDF, 4 pages, 136KB) 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.
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