Aberdeen City Council Pension Fund

Aberdeen City Council
Pension Fund

Joining

LGPS

The Local Government Pension Scheme (LGPS) is open to employees whose employer has statutory membership of the Scheme, eligible employees whose employer has admitted body status and also Councillors.

View employers who participate in the LGPS, administered by Aberdeen City Council.

Who can become a member?

To be eligible to join the LGPS you must be contracted to your employer for a period exceeding three months and be under the age of 75.

How do I become a member?

All eligible employees are automatically entered into the LGPS unless they choose to opt out of the Scheme.

How much will I pay?

You will pay contributions based on your rate of pay, or full time equivalent pay if part time - use our Pension Contribution Calculator to determine how much you will pay.

How do I know I am a member?

If you are a current member of the LGPS you will see pension contributions being deducted from your salary on your pay slip.

10 reasons for joining the LGPS

  • A pension based on your final pay
  • Your pension will increase in line with inflation
  • Voluntary retirement from age 60 (subject to reduction)
  • Option of tax free lump sum when you retire
  • Your employer shares the cost
  • Increase your pension with additional contributions
  • Ill health provisions
  • Death in service tax free lump sum of three times actual pay
  • Widow, widower, civil partner's or cohabiting partner's pension
  • Immediate payment of benefits without reduction if made redundant or leave on business efficiency grounds.

What happens if I leave?

If you change employment and have less than two years' membership, and have not transferred in other pension rights, you can receive a refund of contributions or transfer your benefits to another pension scheme.

If you change employment and have at least two years' membership in the LGPS, or have less than two years' membership but have transferred in other pension rights, the benefits you have built up can remain in the LGPS or be transferred to another pension scheme.

If you choose to leave your benefits in the LGPS, you will become a Deferred Member.