Underpin - If born before 1 April 1957

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Specific protection - the ‘underpin’ - applies to members who were within 10 years of age 65 in April 2012 and a member of the Scheme prior to 1 April 2015. 
For many the new scheme, with its combination of a better rate of build up and the fact that the value of the pension you are building up will be keeping pace with the cost of living, will result in a better pension - but for those where this isn't the case the underpin protects you. 
For these members a calculation will be done on retirement to ensure they will get a pension at least equal to that which they would have received in the LGPS 2009. 

The underpin applies to you if you were:

  • paying into the Scheme on 31 March 2012 and,
  • you were within 10 years of your Normal Pension Age on 1 April 2012,
  • you haven’t had a disqualifying break in service of more than 5 years,
  • you've not drawn any benefits in the LGPS before Normal Pension Age and
  • you leave with an immediate entitlement to benefits. 

The references in this underpin section to Normal Pension Age are to your protected Normal Pension Age under the 2009 scheme – normally age 65.

If you are covered by the underpin a calculation will be performed at the date you cease to contribute to the Scheme, or at your Normal Pension Age if earlier, to check that the pension you have built up (or, if you have been in the 50/50 section at any time, the pension you would have built up had you always been in the main section of the scheme) is at least equal to that which you would have received had the Scheme not changed on 1 April 2015. If it isn’t, the difference will be added to your pension.

The underpin will not apply to you if you elect to opt out of the scheme before your protected Normal Pension Age.

If you are covered by the underpin, your Pension Fund will carry out the underpin check when you leave the Scheme.