Frequently Asked Questions
The Pensions Helpdesk receives lots of phone calls from retired members asking about their LGPS pension. Some of the most Frequently Asked Questions are shown below.
How will my pension be paid?
We pay pensions on the 29th of every month (or earlier if the 29th is a Saturday, Sunday or bank holiday). Payment is also made slightly earlier in December prior to Christmas. We will make each payment direct to your bank or building society account.
What if I change my address or my bank details?
Please let us know if you move house or want us to pay your pension into a different account, in writing, or complete and return the relevant form. Please remember that payroll is completed in the middle of each month so please inform us as soon as you can.
Why do I pay tax on my pension?
HM Revenue & Customs will look at all types of income you receive and if this comes to more than your allowance then you will pay tax on your pension.
I think my tax code is wrong who should I contact?
HM Revenue & Customs (HMRC) determines your tax code so you will need to speak to them if you think this is wrong, as only they can alter it. They will inform us of the correct code to apply.
You can contact HMRC on 0300 200 3300.
What if I get another job after I retire?
If you get another job there will be no change to your pension. It will continue to be paid, unless you were granted Compensatory Added Years of membership through redundancy/efficiency of the service retirement, in which case your compensation benefits may be affected.
What if I decide to live abroad?
We can continue to pay your pension whilst you are abroad. Remember to contact us in good time so we can discuss the options with you and make all the necessary arrangements.
How do I notify the Fund of a death?
It is essential that the Fund is notified of a member’s death as quickly as possible so that the process of establishing whether benefits are due can be started without delay.
When contacting the Fund it would be helpful if the following information is provided:
- Full name and address of the deceased
- the date of death, where the death was registered, and a reference number such as a National Insurance number or a Payroll Number
- Full name and address of the Next of Kin and a contact telephone number
The Fund will then write to the Next of Kin to request to see the death certificate and any other relevant certificates, and declarations about marital status and any eligible children.
When entitlement has been established and the relevant benefits have been calculated, the recipient will be informed and the appropriate payments made.
What benefits will be paid if I die after retiring on pension?
A lump sum death grant may be payable if you die whilst receiving your pension. The amount of death grant payable is dependent on your service in the pension scheme.
In addition to the above, if applicable, a survivor’s pension may be payable to your widow, widower, civil, or cohabiting partner providing you have membership in the scheme from 1 April 2008. Pensions are also payable to any eligible children who are under age 18 or, if in full-time education, under age 23. If the child is physically or mentally handicapped, the pension may be payable for the life of the child.