Understanding your pension

The information in this section will help you take charge of your pension. You can also find information on your pension by registering and logging in to our My Pension Online Service. 

Planning retirement

How Your Pension Builds Up

When you pay into the Scheme your pension builds up each month and is then paid when you retire. 

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How much will you pay

The cost depends on how much you are paid, but your employer pays in too and you don't pay tax on it. 

  • Join
  • Opt Out
  • Transfers
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Find out more about how to join and which members are enrolled automatically enrolled in the Scheme. 

How to Join
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Opt Out

Although membership of the Scheme is automatic in many cases, you can cancel your membership at any time. 

Opting Out
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You may be able to transfer a pension into the Scheme if you were a member of another public sector pension fund. 
  • Councillors
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Councillors can join the LGPS, although benefits are built up in the same as the main Scheme, there are a few differences. 

My Pension Online