Opting out of the Scheme?



You may be thinking of opting out of the scheme, however there are a number of things to think about before you do. Listed below are 10 good reasons for staying in the scheme.




Still want to opt out?

If you decide to opt out, you can opt back in at any time.

If you do decide to opt out you must do so within 2 years of joining the LGPS Scheme to receive a refund of your contributions. This will be refunded through your payroll if you have contributed for less than 3 months or via the LPP if you have been contributing for more than 3 months but less than 2 years. If you have been in the scheme for more than 2 years, you'll get deferred benefits which you can take when you retire. If this applies to you we will write to you with more details once your employer tells us you have opted out.

Anyone who opts out or stops making payments will be automatically enrolled back into the pension scheme at a later date (usually every three years). This is because your circumstances may have changed and it may be the right time for you to start saving. You can opt out again if it’s still not right for you.

You can only opt out if you have:

  • Commenced employment
  • You have been notified of the benefits of the LGPS Scheme



Download and print opt out form