Frozen LGPS??

Silvertabby

“ In the meantime, have you been reading this:

85 Year Rule

If you were a member of the LGPS at anytime between 1 April 1998 and 30 September 2006

Originally posted by Silvertabby

Yes, but the OP's wife 'left 28 years ago', so well before 1998. Was the 25 year rule that preceded the 85 year rule as generous for deferreds? Or are you saying the 85 year rule applied retrospectively...? Posted by hyubh

R85 pre-dates 1998. I still haven't put my finger on the exact date, but it looks like it may have been in right from the start in the 1920s. There was never a '25 year rule' - just R85 which means that service/deferred membership and age must total at least 85 to qualify - ie, age 60 plus 25 years service would do it, as would age 61 with 24 years service.

LGPS R85 isn't as generous as it sounds - the original scheme normal retirement age (for both men and women) was 65, with the option of taking unreduced benefits from age 60, subject to meeting the Rule of 85. At the same time, the normal retirement age for the Civil Service was 60 - meaning unreduced benefits for ALL from that age.

The snip which mentions service between April 1998 and September 2006 is somewhat misleading - perhaps it should have said " If you were a member of the LGPS at anytime up to and including 30 September 2006, some or all of your benefits could be protected from an early payment reduction under what is called the 85 year rule" However, anyone who joined after 1998 certainly wouldn't have enough time to accrue full R85 (if any at all) rights hence the transitional/taper arrangements.