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YOUR STATE PENSION

In addition to your LGPS benefits, you may also qualify for a state retirement pension paid by the Government from State Pension Age. The State Pension is based on the National Insurance contributions you pay, or are given as credits, during your working life.
 
The Additional State Pension, also known as the State Earnings Related Pension Scheme (SERPS) or State Second Pension (S2P), is the part of your state pension that depends on your earnings since April 1978. LGPS members are contracted out of the Additional State Pension and most pay lower national insurance contributions as a result.
 
State Pension Age is 65 for men and 60 for women. However, from the year 2020, the
Government will have equalised the State Pension Age for both men and women at 65.
 
The increase in State Pension Age for women will be phased in gradually from the year 2010 as shown below:
 
Date of Birth State Pension Age
Before 6 April 1950  60
6 April 1950 - 5 April 1951 Between 60 & 61
6 April 1951 - 5 April 1952 Between 61 & 62
6 April 1952 - 5 April 1953 Between 62 & 63
6 April 1953 - 5 April 1954 Between 63 & 64
6 April 1954 - 5 April 1955 Between 64 & 65
After 5 April 1955 65
 
PLEASE NOTE:
Further changes to those people born after 5 April 1959 will increase State Pension Age to 68 for both men and women by 2046.