Deferred Members

A deferred member is one that has stopped paying into the scheme but is not yet receiving a pension.

If you are a deferred pensioner your benefits are frozen. These benefits however attract an annual increase and keep up with the cost of living - even though you no longer work for the employer. 

As a deferred member you will receive an Annual Benefit Statement which shows the benefits you have accrued and any pensions increase that has been applied and how much they will be worth on retirement. 

Please note: It is vital that you contact us if you move or change address. Failure to do this may cause a delay in issuing your payment when it is due



Transferring out your LGPS Pension

You may be able to transfer your Local Government Pension Scheme (LGPS) rights to other pension arrangements. Before transferring you may wish to seek independent financial advice in order to make sure it is in your best interests to do so. A list of Independent Financial Advisers can be found on the Financial Conduct Authority website.

Your new pension fund may have time constraints regarding when you can transfer pension benefits into their fund and you should contact them to find out.

In August 2019 the Financial Conduct Authority (FCA) published a 17 minute video explaining the transfer process. The video will be helpful to those who:

  • have transferred out their defined benefit pension and are unclear whether they received good quality advice, and
  • are considering transferring out their defined benefit pension and want to understand what the process should look like before they start. 

 View the FCA video

The FCA has also produced material to help you identify pension scams, you can find out more from the Transferring Out and Pensions Scams flyer.