Your deferred benefit statements and newsletters

You now have increased flexibility on when you can retire and take your pension benefits. You can choose to retire and draw your pension benefits at any time between age 55 and 75. Find out more here about when you can access your pension.

If you have multiple memberships with the Fund, your documents are stored separately for each account.

To view the documents of another pension account, please click the ‘Select Member Record’ button in the top right of the banner.

This will provide you with a list of your reference numbers. Click the account you would like to view, then view your documents for that account.

Step by step instructions on how to view your documents can be found in our Pension Portal Guide.

A: Reductions aren't included in the current value of your benefits. If you take your pension benefits before your normal pension age, your pension and any lump-sum is usually reduced. You can view the reductions by visiting LGPS Reductions.

A: As the LGPS is a defined benefit scheme and not a defined contribution scheme, it does not allow members to access their pension benefits flexibly. You therefore are unable to cash-in or draw-down multiple lump-sums from your pension. Here you will find more information on different types of schemes.

Every year your pension is reviewed in line with the customer prices index (CPI). This is a measure of inflation over the 12-month period to 30 September. Your statement will show the relevant CPI adjustment applied.

Here you will find more information on death benefits.

Yes. The LGPS allows you to express your wish as to who you would like any death grant paid to. You can do this online using the Pensions Portal.

When you draw your pension benefits you will have the option to exchange some of your pension for lump-sum. The maximum amount of pension you can exchange for lump-sum is 25% of the capital value of your pension benefits. For every £1 of pension that you give up, you will receive an additional £12 lump-sum.

To estimate your maximum lump-sum:

• Visit Lump sum calculator
• Enter the amount of yearly pension payable from your chosen retirement date (including any reductions)
• Enter your lump-sum payable from your chosen retirement date (including any reductions)
• Select 25% to work out your maximum lump-sum (or use a lower percentage to compare)
• Press calculate

No, your AVC provider will contact you with a separate statement.

Yes, any added years that you have purchased are included within your current value on your statement.

Yes, any ARCs that you have purchased are included on your statement.

Yes, any APCs that you have purchased are included on your statement.