Can I opt out of the Scheme?

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Although membership of the Local Government Pension Scheme (LGPS) is automatic in many cases, it isn't compulsory - you can cancel your membership at any time. This is called 'opting out'.

If you are thinking of opting out you might want to first consider an alternative option which is to elect to move to the 50/50 section of the Scheme. The 50/50 section allows you to pay half your normal contributions in return for half your normal pension build up.
 
 
If having considered the 50/50 option you still decide the LGPS is not for you, you can leave the LGPS at any time on or after your first day of eligible employment by completing the relevant opt out form and returning to your employer. You might wish to take independent financial advice before making a final decision to opt out of the LGPS.
 
Please remember, your employer cannot ask you or force you to opt out. If you are asked or forced to opt out you can tell The Pensions Regulator. Equally, no one can force you to remain a member of the Scheme but, if you elect not to be a member, you should understand the implications both for you and your dependants.