My pension

All pensions in payment or built up before April 2015 are protected.  If you were a contributing scheme member your pre-April 2015 pension will still be based on final salary at retirement and the current Normal Pension Age.
 
If you are in receipt of a pension or left with a deferred pension these are not affected.  However, if you have rejoined the Scheme or do so in the future, there is a change to the benefits due if you die while in service.
 
 
Main provisions of the LGPS from 2015
 
The table below shows the main provisions of the proposed new Local Government Pension Scheme (LGPS 2015) for membership from 1st April 2015 compared with those of the current scheme (LGPS 2009). These changes apply only in Scotland. See the glossary for definition of terms in the table below:
 
 
  LGPS 2015 LGPS 2009
Basis of Pension Career Average Revalued Earnings (CARE) Final Salary
Accrual Rate 1/49th 1/60th
Revaluation Rate Consumer Prices Index (CPI) Based on Final Salary
Pensionable Pay Pay excluding non-contractual overtime for full time staff.  If you are part-time staff, additional hours up to FTE will be included. Pay excluding non-contractual overtime and non-pensionable additional hours
Member Contribution Rates
Contributions will continue to be calculated using contribution rates based on pay.  However, part-time members’ rates will be based on actual pensionable pay.
Based on FTE pay
Contribution Flexibility
Yes
 pay 50% contributions
for 50% pension benefit
No
Normal Pension Age Equal to the individual member's State Pension Age (min age 65)*
*NB your state pension age may change in the future.
65
Lump Sum Trade Off Swap £1 of annual pension for £12 lump sum Swap £1 of annual pension for £12 lump sum

Death in Service Lump Sum

3 x Pensionable Pay 3 x Pensionable Pay
Death in Service Survivor Benefits 1/160th accrual based on Tier 1 ill health pension enhancement 1/160th accrual based on Tier 1 ill health pension enhancement
Ill Health Provision
Tier 1 - Immediate payment with benefits enhanced to Normal Pension Age
 
Tier 2 - Immediate payment with 25% service enhancement to Normal Pension Age
 
Tier 3 - Discretionary employer lump sum payment  
Tier 1 - Immediate payment with service enhanced to Normal Pension Age (65)
 
Tier 2 - Immediate payment with 25% service enhancement to Normal Pension Age (65)
 
Tier 3 - Discretionary employer lump sum payment
Indexation of Pension in Payment CPI CPI (RPI for pre-2011 increases)
 
 
Future Scheme Cost Management
 
If the costs of the LGPS change beyond certain limits still to be agreed, there will be negotiations between unions, employers and government about how to meet those cost changes.
 
 
Pension Protection on Transfer
 
LGPS members who are compulsorily transferred will be able to retain membership of the Scheme in most cases.