What happens to the pension I’ve built up before April 2015?

On 1 April 2015 if you were paying into the Local Government Pension Scheme (LGPS) you automatically joined the new career average pension scheme. All the pension you have built up in the LGPS before this date is fully protected.

All benefits built up before April 2015, will continue to be based on your final year’s pay when you leave the Scheme as these benefits were built up in the final salary scheme. That means that all the membership you built up to 31 March 2015 will be used to calculate your final salary benefits when you leave.

Your Normal Pension Age is also protected. This means that the benefits you build up before April 2015 retain their Normal Pension Age under final salary scheme rules, which for almost all members is age 65.

When you choose to take your benefits remember that your pension is paid together, at the same time. You cannot take your pension relating to benefits built up to April 2015 at a different date to your pension built up from April 2015 (except in the case of flexible retirement).

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