Opting out

If you wish to cancel your membership you're free to opt out from your next pay period.

Think about a temporary reduction to your contributions

If you are thinking of opting out because of the cost you can stay in the Fund but pay less.

The option called 50/50  allows you to pay half of the contribution but only build up half the pension.  If you have more than one job you can make this choice in one, all or some of them.

Your survivor's benefits are unaffected.

Your employer will need you to make your choice in writing.

This is only meant to be a short term solution and you will have to again pay the full contribution rate when your employer has to re-enrol you every three years, via automatic enrolment legislation.  If you are away from work without pay due to sickness you will have to pay the full rate when your pay recommences.

How Do I Opt Out? 

If you want to opt out you can do so at any time. You will need to complete the opt-out form (which can be found in the Help Hub section) and return this immediately to your employer so that they can carry out the necessary actions to remove you from the Scheme. The choices you have depend on how long you have been a member. You can find details in the 'Leaving before you retire' section. You can ask your employer to cancel your membership any time after your request. Otherwise, they will just cancel it from the start of the next pay period. Please note, however, that any opt out form that has been completed before you commence your employment cannot be accepted and you will have to make a further election on or after the date your employment commences if you do wish to opt out.

You should be aware that in certain circumstances your employer may be obliged by law to re-enrol you into the LGPS at a later date, even though you have previously opted not to be in the Scheme.

Important: Apart from the main retirement benefits, you will lose out on extras, such as ill health cover. You may wish to get independent financial advice and can find details on the Help Hub page

Forms & Useful Links

Helpful Information

  • Opt out form
  • Auto-Enrolment
  • Scheme Benefits

Opt out form

Complete the form and return it to your employer's payroll.

Opt Out Form

Auto-Enrolment

Auto Enrolment

Scheme Benefits

Accessing Your Benefits
My Pension Online