Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • Mapbroke
    • By Mapbroke 10th Oct 16, 1:25 PM
    • 2Posts
    • 0Thanks
    LGPS - left eight years ago, not returning to local government employment
    • #1
    • 10th Oct 16, 1:25 PM
    LGPS - left eight years ago, not returning to local government employment 10th Oct 16 at 1:25 PM
    Hi, I would like some advice on how to proceed with a pension.

    I'm 33 years old, and paid into a LGPS for six years, from 2002 - 2008 when I left for self employment. I left my pension frozen at that point and did not start a new pension scheme.

    I've now been unemployed through ill health for the last 5 years, and I'm not certain if or when I'll be fit enough to return to work. Eventually I hope to do this but as I'm getting older I've been thinking about what to do with regard to my pension.

    Can anyone tell me if I am better off leaving the frozen LGP and starting a new separate private pension? Or should I proceed with transferring the LGP to a new private pension?

    I have no plans to return to Local Government if I am able to return to work.

    Any help you can offer greatly appreciated
Page 1
    • Silvertabby
    • By Silvertabby 10th Oct 16, 1:41 PM
    • 2,564 Posts
    • 3,553 Thanks
    • #2
    • 10th Oct 16, 1:41 PM
    • #2
    • 10th Oct 16, 1:41 PM
    Ask your LGPS ex-employer if they will allow you to access your LGPS pension now, on ill health grounds. This would involve a medical by your ex-employer's Occupational Health Dr.

    If your application is approved, your LGPS pension would be paid without any early payment reductions, but wouldn't be enhanced as you are not currently employed by Local Government.

    You may not qualify, but if you don't ask you definitely won't get.
    • enthusiasticsaver
    • By enthusiasticsaver 10th Oct 16, 2:17 PM
    • 6,266 Posts
    • 12,468 Thanks
    • #3
    • 10th Oct 16, 2:17 PM
    • #3
    • 10th Oct 16, 2:17 PM
    I would not transfer it to a private pension. LGPS was final salary pension until 2014 so you must have preserved benefits which would have been quite good at time. You could ask your pension administrator what your options are and the value of your benefits plus transfer value for information only.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

385Posts Today

4,715Users online

Martin's Twitter