LGPS 85 year rule

iansmum

Thanks. We will look into it.

Silvertabby

A_Nice_Englishman wrote: »

It MAY be possible to add his army and local government service together, and this MAY result in a better total pension. Certainly worth talking to his LGPS administrator about.

https://www.lgpsmember.org/more/club.php

Sorry, but that's cobblers. As OP's husband did 22 years in the Army he has been in receipt his Army pension since he left 22 years ago at age 40. He cannot combine his Army and LGPS pensions - and even if he could he would still be too young for full R85 protections. Nothing he can do will change his date of birth.

Spoken as a 22 year RAF pensioner and a recently retired LGPS administrator.

Silvertabby

iansmum wrote: »

Thanks all. It sounds as if he’s just dipped out then. He does have another pension but it is a military one as he did 22 years with the army and soon 22 years with the council!
So if we are looking at a 5% drop for peach each year he draws his pension early that’s 15% over the 3 years? And is that simply a 5% drop based on the annual pension forecast? The way the LGPS do their statements we find quite complicated and when we did a request the other year they didn’t quote formit all as a few years ago the pension was split and they didn’t quote for that at All! We have one now but still hard to understand. Thanks.

Was he 60 before or after 31 March 2016? It makes quite a difference.

hyubh

A_Nice_Englishman wrote: »

If the transfer in bought just one years additional service he'd have 23 years' service. Add his age (62) and he'd meet the 85 year rule.

Even if the transfer-in were possible (employer discretions to accept transfers outside the default 12 months are rare), it wouldn't could as R85 reckonable service. Would have done in the past, but this was removed some years ago outside of interfund transfers (i.e. where the transfer is from another LGPS fund rather than a different scheme).

A_Nice_Englishman

hyubh wrote: »

Even if the transfer-in were possible (employer discretions to accept transfers outside the default 12 months are rare), it wouldn't could as R85 reckonable service. Would have done in the past, but this was removed some years ago outside of interfund transfers (i.e. where the transfer is from another LGPS fund rather than a different scheme).

I didn't know transferred in service was treated differently to actual service. Were members ever notified of the rule change? There doesn't appear to be anything about it in the various links which have been posted in this thread.

hyubh

A_Nice_Englishman wrote: »

I didn't know transferred in service was treated differently to actual service. Were members ever notified of the rule change? There doesn't appear to be anything about it in the various links which have been posted in this thread.

What link have you given that implies to the contrary? The 85 year rule one talks of 'scheme membership', and clearly a final salary service credit from a transfer in is not 'scheme membership'.

That said, see here:

http://www.lgpsregs.org/timelineregs/LGPS2008Regs/SI20140044/20080238.htm#Sched2

'in calculating the member’s total membership, no account is to be taken of ... any membership credited after 1st October 2012 under regulation 84 of the Administration Regulations', where admin reg 84 pertains to service credits from inward transfers.