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For members of the Local Government Pension Scheme in England and Wales

Added Regular Contributions

When you take your pension you will be credited with the extra pension that you have bought by paying Additional Regular Contributions (ARCs). This will increase the value of your LGPS pension. If you choose to take your pension before age 65, or you are retired on the grounds of redundancy or business efficiency before age 65, the extra pension you have bought will be reduced for early payment.

If you take your pension after age 65, the extra pension you have bought will be increased for late payment.

You can choose to swap some of the extra pension you have bought for tax-free lump sum in the same way that you can swap your main LGPS benefits.

Flexible retirement

If you take your benefits on flexible retirement, you can generally choose to take all or none of the extra pension you have bought. You cannot choose to take just part of it. If you are paying extra contributions when you flexibly retire and you choose to take the extra pension, your ARC contract will stop. You will not be able to start a new ARC contract. See Paying more for information about the other ways that you can pay extra in the LGPS.

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