Left an employment (or opted out) with a deferred refund, provided you did not have a break of more than 5 years in active membership of the LGPS in England or Wales

Your deferred refund will automatically be joined with your new pension account (or, where the deferred refund rose from the cessation of a concurrent job, automatically be joined with the pension account from the ongoing employment).

 

If you have more than one pension account you will need to choose which one the deferred refund is to be added to.

 

The pension from the former employment which you built up on or after 1 April 2014 will be added to your active pension account.

 

The membership you built up before 1 April 2014 will continue to be calculated as a final salary benefit, with your final pay when you leave the active employment used to work out the benefits for your pre-1 April 2014 membership.

 

However, if you did have a break of more than 5 years in active membership of the LGPS in England or Wales, you will not be able to combine your deferred refund with your new active pension account and must, instead, take a refund of contributions.