This page covers any deferred extra and additional contributions and subsequently what will happen to these while you are deferred.

A: If you were paying extra contributions to increase your Membership (or buying Added Years as it’s commonly called), the cost of the amount you had chosen to buy was spread out over the period from when you started paying for the Added Years up to your normal retirement date. Your Membership will have been increased by the proportion of the Added Years which you had actually paid for by the time you stopped paying into the LGPS. This will increase the value of your deferred benefits.

If you move to a new employer in the LGPS in England or Wales within 12 months of leaving you can carry on paying the additional contributions provided you also pay the period between leaving and starting your new job and you join your pension rights together. Contact your new LGPS administrator within 3 months of rejoining to arrange this.

A: If you paid into an in-house AVC fund that we arranged, your AVCs will continue to be invested until the fund is paid out

You may even be able to take some, or all, of your in-house AVC fund as cash if you draw it at the same time as your LGPS benefits. If you draw your AVC later than your LGPS benefits, you are likely to be able to draw much less of the AVC fund as cash1. If you have in-house AVCs, we will give you more information about this near to the date your deferred benefits are due to be paid.

Any extra life cover you paid for through in-house AVCs has stopped.