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The Local Government Pension Scheme

Buy Lost Pension - Get a Quote

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To get a quote enter the details below. If you choose regular payments please also enter the number of years over which you wish to pay APCs and your pay frequency.
Details for calculation (1)
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1. Gender
2. Date of Birth
3. Lost Pensionable Pay (from employer) £
4. Reason for absence
5. Section during absence
Details for calculation (2)
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6. Last day of absence
30 day override (employer confirmation must be provided)
7. Method of payment
For regular deductions enter the years you wish to pay over and your pay frequency.
8. Years 9. Pay frequency
ERRORS/WARNINGS:

Errors below must be cleared before a quote can be obtained

Results
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Age used in calculation
Your Normal Pension Age (NPA) 65

Annual pension lost during absence

£

Years of agreement
Pension added to account each year of agreement £
Gross total cost of pension being bought £
Cost to employer£

Cost to member before tax relief

£

Based on a gross cost of £ per £100 of extra pension

Buy Lost Pension - Apply

To apply for a lost pension APC based on the quote above complete the personal details below, check the box to confirm you have read the terms and conditions then print and send your application form
Personal details
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10. Full name
11. National Insurance Number
12. Employer
13(a). Payroll Number
13(b). Job Title
14. Your email (optional)
APPLICATION
Please check the box to confirm that the information entered is correct and that you have read and understood the terms and conditions for additional pension applications (not required for quotes)
Clicking on the button below will open a new window with a PDF version of your application form. Please print, complete, sign and send to your employer.
Copyright © 2019 Local Government Association version ScotLGPS 1.3

Using this Calculator: You can get a quote and print an application form to either buy extra pension or buy lost pension using this calculator. If you have any queries when using this calculator please contact your LGPS fund administrator or employer directly. Please note that no personal details are stored on this website or shared with any other party. You are responsible for any application that you make and any application form which you sign and submit to your employer or pension fund.

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Help for Details (1)

1.Gender:

It is important this is completed correctly as the cost factors used are gender specific

2.Date of Birth:

You must be between 16 and 74 to be in the LGPS. Enter a date in the format dd mm yyyy

3.Lost pensionable pay:

Please enter the total pensionable pay 'lost' during your absence. This amount should be obtained from your employer in writing and a copy of the confirmation kept for your records.

4.Reason for absence:

Please select from the valid reasons for absence shown. The reason must be confirmed in writing by your employer and a copy of the confirmation kept for your records. If your reason for absence is not shown you cannot use this option but should use the extra pension option instead

5.Section during absence:

Please select either main or 50/50. This must be the section you were in during your period of absence and must be confirmed in writing by your employer with a copy of the confirmation kept for your records. Note unless you have at any time elected for the 50/50 section you will by default be a member of the main section.
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Help for Details (2)

Note that regular payments are only available for applicants who are more than 1 year from SPA


6.Last day of absence:

Please enter the date of the last day of the period of absence. This must be after 31st March 2015, confirmed in writing by your employer, and a copy of the confirmation kept for your records.

30 day override box

Only tick this box if you are making an election to buy lost pension for authorised unpaid leave or unpaid additional child related leave more than 30 days after you have returned to work and your employer has given written agreement to contribute towards the cost (for elections made within 30 days of returning to work, the employer must contribute 2/3rds of the cost of buying lost pension).

7.Method of payment:

Please select the method of payment you wish to use either regular or lump sum deduction from payroll or by lump sum direct to your pension fund administering authority on receipt of an invoice. Please note that your pension fund administering authority may have a minimum amount for regular payments - please check with US first to avoid your application being rejected. If you select lump sum deduction and the amount could not be Reasonably deducted in your next pay period your application may be turned down

8.Years:

If you have selected regular deductions in field 7 please enter the number of years you wish to make payments over

9.Pay frequency:

If you have selected regular deductions in field 7 please enter the frequency of your pay which will also be the frequency of your payments. If you are not paid monthly, weekly or four weekly please contact your pension fund administering authority.If you wish to recalculate using a lump sum deduction please reset this field to blank by selecting '--'.
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Help for Results

Age used in calculation

This is the greater of your current age, your age at next birthday if it falls in the next 30 days or your age at your date of return to work if this is in the future

Normal Pension Age

This is the greater of age 65 or your individual State Pension Age under current proposals

Annual pension lost during absence

This is the total annual pension you have lost calculated using the amount of lost pensionable pay in field 3 and the section in field 5

Years of agreement

For regular payments this is the number of years entered in field 8 over which the regular purchase agreement will run

Pension added to account each year of agreement

If you have chosen regular payments this is the amount of extra pension added to your pension account in each year of the agreement. So for example if you are buying £1000 annual pension over 10 years then £100 would be added to your pension account each year

Gross total cost of pension being bought

This is the total regular cost per pay period (monthly, weekly or four weekly) or lump sum cost of purchasing the lost pension shown above including any employer share

Cost to employer

This is the regular cost per pay period (monthly, weekly or four weekly) or lump sum cost to be met by the employer for authorised or child related absences ending within the last 30 days. You must obtain written confirmation of the reason for your absence and your date of return to work prior to any application

Gross cost to member before tax relief

This is the regular cost per pay period (monthly, weekly or four weekly) or lump sum cost to you payable either as a deduction from your pay or directly to your pension provider upon receipt of an invoice depending on the method chosen. Payments are subject to tax relief at your marginal rate. If deductions are made from payroll tax relief will be calculated and applied by your employer. If by direct lump sum you will need to claim the tax relief yourself.

Gross cost per £100 of pension

This is the regular cost per pay period (monthly, weekly or four weekly) or lump sum cost per £100 of pension to be purchased for someone of your gender, age and your NPA
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Help for Personal details

10.Full Name:

Please enter your full name

11.National Insurance Number:

Please enter a valid NI Number in the format aa123456a

12.Employer:

Please enter the name of your employer

13(a).Payroll Number:

Use this and field 13(b) to uniquely identify this post from any others you may have

13(b).Job Title:

If you wish to purchase lost pension against multiple posts you will need to complete an application for each post

14.Email address

Please enter your email address in a valid format.