What happens if my pay goes down? If you don’t have any membership before April 2014, this section doesn’t apply to you because there’s no pay protection in the scheme after 1 April 2014. How are pension benefits I built up before 1 April 2014 affected if my pay goes down? If your pay goes down, or increases to your pay are restricted in your last 10 years of continuous employment with your employer, you can have all your membership before April 2014 based on the average of any three consecutive years in the last 13 years (ending on a 31 March). You can’t use your pay from earlier years to work out your pension benefits if your pay went down because you lost a temporary increase in pay. If you got a certificate of protection from your employer for a reduction or restriction in pay before 1 April 2008 and you leave the LGPS within 10 years of the reduction or restriction occurring, this protection will continue to apply to your membership before April 2014.