Contents
Contents
Your Pension
How is my pension worked out?
Protection for your family
15
What pensionable pay is used to work out my pension? 16
22
17 What conditions need to be met for an eligible cohabiting
partner’s survivor’s pension to be payable?
23
If you joined the LGPS before 1 April 2014 17 Leavers without an immediate
entitlement to benefits
Taking AVCs as cash 18
Can I exchange part of my pension for a lump sum?
How is my pension worked out-
an example
Retirement
2
What benefits will be paid if I die?
When can I retire and draw my LGPS pension? 19
Will my pension be reduced if I voluntarily retire
before my Normal Pension Age? 20
What if I lose my job through redundancy or
business efficiency? 20
What happens if I have to retire early due to ill-health? 20
What if I want to have a gradual move into retirement? 21
What if I carry on working after my
Normal Pension Age? 21
How does my pension keep its value? 21
Contents
Who is the lump sum death grant paid to?
24
Refunds of contributions 25
Deferred Benefits 26
What if I have two or more LGPS jobs? 28
Transferring your benefits 28
Transferring your benefits to a flexible benefit scheme 29
Help with pension problems
Who can help me if I have a query or complaint? 30
How can I trace my pension rights? 31
Short terms we use 32
Further information & disclaimer 41
SouthYorkshirePensionsAuthority
3