Protection for all

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On 1 April 2015 if you were paying into the LGPS you automatically joined the new career average pension scheme. All the pension you have built up in the LGPS before this date is fully protected.

All benefits built up before April 2015, will continue to be based on your final year’s pay when you leave the Scheme as these benefits were built up in the final salary scheme. Please read the section, ‘Final Pay’ for more information. This means that all the membership you built up to 31 March 2015 will be used to calculate your final salary benefits when you leave. Please check the example in the section, ‘Pre 1 April 2015 membership’ to see how this works.

Your Normal Pension Age is also protected. This means that the benefits you build up before April 2015 retain their Normal Pension Age under final salary scheme rules, which for almost all members is age 65. Please see the section 'Protected Normal Pension Age'.