Buy a Top-up LGPS Pension

If you were an active member of the LGPS on or after 1 April 2014, you can buy a top-up pension with your AVC plan as long as you take it at the same time as your main scheme benefits. Dependent’s benefits will automatically be provided in the event of your death. The top-up pension you buy will increase in line with inflation.

 

If you left the LGPS before 1 April 2014, you can only buy a top-up pension with your AVC plan if you take immediate payment of your main scheme pension benefits when you leave the Scheme and you take your AVC plan at the same time i.e. you are not allowed to buy a top-up pension with your AVC plan if you defer your main scheme pension benefits when you leave the LGPS and take them at a later date.

 

You have the option to provide for dependents' benefits in the event of your death. The top-up pension you buy will increase in line with inflation.