Taking a refund

If you leave the LGPS with less than 2 years membership (including with other LGPS Funds) you can opt to have a refund

Opting out or leaving between three months to two years

• you may be eligible to a receive a refund of your contributions, less a deduction for tax and National Insurance
• transfer your pension to another pension scheme
• if you join the LGPS later, the account that you've stopped paying into will automatically be joined with your new, ongoing account

Leaving your job under three months

• We will refund your contributions, less a deduction for tax and National Insurance
• if you are paying into the LGPS in another employment, the pension from the job you've left will be added to your ongoing pension account

Opting out under three months

• Your employer will refund your contributions through your pay, less tax and National Insurance contributions. Your LGPS membership will be cancelled