About your pension About the scheme What’s a pension account? How much will I get? How does ‘pensionable pay’ affect my pension? What happens if my pay goes down? Ill health Pension statement What if I am absent from work on reduced or no pay? Buying back lost pension When can I retire? What is my normal pension age? I have decided to retire. What now? How do I get an estimate? What if I have paid extra towards my benefits? Will I exceed my pensions annual and lifetime allowances? Contributions How much do I pay? How much does my employer pay? Can I pay more? Can I pay less? 50/50 Increasing your benefits Paying extra Linking previous LGPS membership Transferring pension rights from other schemes Leaving Opting out Refund of contributions Deferred benefits Linking to new LGPS membership Transferring to a different scheme Death benefits Death grant What does my family get if I die?