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GUIDES & FACT SHEETS FOR DEFERRED 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) Opens New Window
 
 
 
 
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.
Planning your Retirement Guide 
 AUGUST 2009 (PDF, 48 pages, 780KB) Opens New Window
 
 
 
 
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.
 
Fact Sheets
 
Fact Sheet: Reductions in Pay
Fact Sheet 1 - Reductions in PayDownload                                                                            
 JULY 2009 (PDF, 3 pages, 104KB) 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: 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: 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: 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: 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: 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: 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: 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.