Life cover from the moment you join, with a lump sum of 2 times your career average pay being paid if you die in service under the age of 75.

Cover for your family with a pension for your husband, wife or civil partner and for eligible children should you die.

Retirement Benefits after 3 months membership:

You can retire from office and draw your pension at age 60 or over, even though the scheme’s normal pension age is 65. It’s also possible to retire from age 50 and receive your benefits immediately, but only if your council gives their consent to immediate payment.

Immediate benefits are payable at any age if you have to retire because of permanent ill health.

When you retire you can look forward to:

A tax-free lump sum ,and

A pension for life that increases with the cost of living

Your LGPS retirement pension when you retire is calculated as 1/80th of your career average pay for each year of membership of the LGPS:

Plus you get a lump sum of 3 times that amount

You can, if you wish, give up some of the pension when you draw your benefits in order to get a bigger lump sum. Up to 25% of the capital value of your pension benefits may be taken as a lump sum. You receive £12 lump sum for each £1 of pension given up.