Help & FAQs

Questions? Pensions can be confusing and understanding your ABS from your AVC can sometimes feel overwhelming when all your want is a straightforward answer. We have collated the most frequently asked questions by our members into one place in plain easy to understand language to help you navigate your way around your pension.

Have you checked your scheme specific FAQs?

Firefighter Pension FAQs

This section contains our most commonly asked questions from members of the Firefighters’ Scheme.

Local Government Pension FAQs

This section contains our most commonly asked questions from members of the Local Government Pension Scheme (LGPS).

Police Pension FAQs

This section contains our most commonly asked questions from members of the Police Officers’ Scheme.

Featured FAQs

If you joined the Local Government Pension Scheme before 1 April 2014, you will have been a member of a Final Salary scheme until this date. This means that your retirement income (relating to this period) is calculated using your final year’s salary (or your highest annual salary within the last three years of employment).

For every year you were a member before 2008, 1/80th of your final salary will paid out as a separate part of your pension to make up your annual retirement income. And for every year between 2008 and 2014, 1/60th of your final salary will be added. If you were a part-time employee, this will be reduced according to the hours you worked.

Along with any CARE pension you build up, these figures will help to make up your annual retirement income. For more information, visit the Local Government Pension Scheme web page, How your pension is worked out.

If you joined the Local Government Pension Scheme after 1 April 2014, you will have a Career Average Revalued Earnings pension (CARE pension for short). This is based on your average earnings (pensionable pay) over the course of your career – including salary, bonuses, overtime, maternity/paternity pay.

Each year, 1/49th of your pensionable pay is put into your pension account to make up your annual retirement income. At the end of the year, your account is adjusted to reflect inflation. This happens every year and as your pension account grows, so too does your annual retirement income.

If you joined a Local Government Pension Scheme before 2014 (or a Police or Fire scheme before 2015), you will have been a member of a Final Salary scheme. This means that your retirement income (relating to this period) is calculated using your final year’s salary (or your highest annual salary within the last three years of employment).

For every year you were a member of an LGPS pension before 2008, 1/80th of your final salary will be added to your pension account to make up your annual retirement income. And for every year between 2008 and 2014 (or 2015 for Fire and Police Members), 1/60th of your final salary will be added.

Along with any CARE pension you build up, these figures will help to make up your annual retirement income.

If you joined a Local Government Pension Scheme after 2014 (or a Police or Fire scheme after 2015), you will have a Career Average Revalued Earnings pension (CARE pension for short). This is based on your average earnings (pensionable pay) built up over the course of your career – including salary, bonuses, overtime, maternity/paternity pay.

Each year, 1/49th of your pensionable pay is put into your pension account to make up your annual retirement income. At the end of the year, your contributions are adjusted to reflect inflation. This happens every year and as your pension account grows, so too does your annual retirement income.

General FAQs

Annual Benefit Statement FAQs

Our most commonly asked questions on the Annual Benefit Statement.

Divorce/Separation FAQs

Our most frequently asked questions on divorce and dissolving civil partnerships.

Employer FAQs

Our LGPS Employer Top FAQs cover some really useful topics.

General FAQs

Here you can find the most commonly asked general queries on pensions and LPPA.

My Pension Online FAQs

Here you can find the most frequently asked questions about the My Pension Online service.

Retirement FAQs

Our most frequently asked questions on retirement.

Glossary

An explanation of our most frequently used terms and acronyms

Glossary Glossary

LPPA News

All the pension related news in one place.

News LPPA News