New Starter Guide December 2017 | Page 2

Contents The Local Government Pension Scheme Highlights of the LGPS 4 This booklet is The Scheme for general use What kind of scheme is it? 6 and cannot cover Who can join? 6 How do I ensure that I have become a member of the LGPS? 7 Can I opt out of the LGPS and re-join at a later date? 7 What do I pay? 9 every personal circumstance. In the event of any dispute over pension benefits, the appropriate legislation Do I get tax relief? 10 will prevail as this Does my employer contribute? 10 booklet does not Is there flexibility to pay less contributions? confer any contractual 11 Can I pay more to increase my benefits? 11 or statutory rights and is provided for information purposes only. What if I’ve been a member and can now re-join the LGPS? 11 What about any non-LGPS pension rights I have? 12 What if I’m already receiving an LGPS pension will it be affected? 12 www.sypensions.org.uk Flexibility to pay less 13 Flexibility to pay more 14 Contents Contribution Flexibility 1