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

Your opt out decision

If you are thinking about opting out of the LGPS, you might want to consider moving to the 50/50 section of the Scheme. In the 50/50 section you pay half the normal contributions to build up pension at half the normal rate. You retain full life cover and ill health cover in the 50/50 section. See the section on Paying less for more information about the 50/50 section.

If you have decided that the 50/50 section is not for you, you can opt out of the LGPS. You cannot opt out before the first day that you are a member. This will usually be the first day of your employment, but it may be the date your employer must bring you into the LGPS under Automatic enrolment rules.

You can opt out by giving your employer notice in writing. Contact your pension fund to get an opt out form.

Your employer cannot give you an opt out form. If your employer puts pressure on you to opt out of the pension scheme, you should contact the Pensions Regulator.


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