West Yorkshire Pension Fund member website

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About the scheme

The Local Government Pension Scheme (LGPS) is a Statutory Scheme. This means that the rules of the scheme are issued by parliament and have the force of law. The legal status of the pension scheme rules gives it a great deal of security.

The LGPS changed on 1 April 2014. The last major changes were introduced on 1 April 2008.

All pensions in payment or built up before April 2014 are protected. If you’re getting a pension now, or left and have a deferred pension, the 2014 changes don’t affect you.

If you were an active member (working and paying in to the pension scheme) before 1 April 2014, the part of your pension you built up before then will still be based on your final salary and your normal pension age in the scheme then, which is usually age 65.

But from 1 April 2014, everything changes.

LGPS2014 – the main points

This table compares the pension scheme before and after 1 April 2014 so you can see the differences between the old scheme (LGPS2008) and today’s scheme (LGPS2014).

  LGPS 2014 LGPS 2008
Basis of pension Career Average Revalued Earnings (CARE) Final salary
How much of my yearly pay do I get as a pension? 1/49th 1/60th
How does my pension maintain its value over the years I’m paying in? It’s adjusted for inflation each year using the Consumer Price Index (CPI) It’s based on your final salary
What pay counts towards my pension? Your pay – including non‑contractual overtime and additional hours if you’re part-time Your pay – excluding overtime and non-pensionable additional hours
Can I reduce my contributions? Yes – you can pay 50% contributions to get 50% pension No
Normal Pension Age Equal to the individual member's State Pension Age 65
Can I trade pension for lump sum? Trade £1 of pension and get £12 lump sum Trade £1 of pension and get £12 lump sum
What death grant is paid if I die ‘in service’? A lump sum of three times your pensionable pay A lump sum of three times your pensionable pay
How much of my yearly pay would my dependants get as a pension? 1/160th 1/160th
How is my pension enhanced if I retire because of ill health?
  • Enhancement to normal pension age, or
  • 25% enhancement to normal pension age, or
  • Temporary payment of pension for up to three years
  • Enhancement to normal pension age, or
  • 25% enhancement to normal pension age, or
  • Temporary payment of pension for up to three years
What’s my pension increased by once in payment? CPI (Consumer Price Index) CPI (Retail Price Index for pre-2011 increases)
How long do I have to be in the scheme before I’m entitled to a pension? 2 years 3 months