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    When will my deferred benefits be paid?

  • From age 55 you can choose to access your deferred benefits, but they will be reduced if you take them before normal pension age. From age 60, some or all of your benefits can be paid unreduced, if you have protection under The Rule of 85.

  • I want to take my deferred benefits. How do I inform Strathclyde Pension Fund Office?

  • You can access our Benefit Projector that allows you to estimate receiving your deferred benefits from age 55, by logging into your SPFOnline account.

    Once you have calculated your benefits at your chosen retirement date and wish to proceed, send us an email to confirming the following information:

    • Your Name
    • National Insurance Number
    • Date of Birth
    • Date of Retirement
    • Current Home Address

    Please Note, you must give us 3 months notice of your intended retirement date.

  • How are my deferred benefits calculated?

  • Please click here for information.

  • Will my deferred benefits increase?

  • Your deferred benefits adjust in line with inflation see here

  • What if I should die before receiving my deferred benefits?

  • Please click here for information.

  • I have Re-joined the LGPS. How does this affect my deferred pension?

  • If you re-join the LGPS, you must contact us and also the fund that you become an active member of. There are LGPS rules that we have to apply to your deferred benefits and if you do not provide us with any instructions, applying these rules may not be to your advantage. You can find more information on our website here.

  • Can I transfer my deferred benefits to another pension scheme?

  • Yes, to another registered pension scheme, unless you are within 1 year of your normal penison date noted on your statement. For further information please see here

    However, if you want to transfer your benefits to an overseas scheme, you must emigrate permanently. More information about this is available from HMRC.

    A transfer out of the LGPS is a major financial decision It requires careful consideration and can only be done after taking advice. If you are considering this, please read our Freedom and Choice Q & A for LGPS members

    You also need to be aware of pension scams. More information here:


  • What were the April 2016 changes to state pension, contracting out and NI?

  • I am medically unfit to work. Can I receive my benefits?

  • Your deferred benefits can be paid early if you become permanently unable to do the job in which you built up your deferred benefits. To apply, email us at confirming the following information:


    • Your name
    • National Insurance Number
    • Date of birth
    • Current home address


  • Can I release part of my pension pot to receive a cash lump sum?

  • This option is not available in the Local Government Pension Scheme. More information can be found here.

  • How do I update my marital/partnership status?

  • This cannot be updated online.

    Please complete this form and email to

  • Should I notify you if I change address?

  • Yes.

    We contact all of our members at least once a year about their pension.

    We are required to have an up-to-date address for all our pensioners. If we do not have one, we may have to suspend payment of your pension.

    You can change your address on SPFOnline.

    You can contact us by phone, email or post to let us know your new address.

  • What is my State Pension Age?

  • I have moved house. How do I inform you of the change of address?

  • You can update your address by logging into your online pension account at

    If you are not signed up to SPFOnline, you should send an email to with the following information:

    • Your Name
    • National Insurance Number
    • Date of Birth
    • New Home Address

  • Where can I find LGPS legislation?

  • LGPS 2015 regulations and some guidance for Payroll / HR practitioners is available at NOTE: tiered contributions guidance is Appendix 1 of the Payroll Guide.

    Pre 01 04 2015 material is available at


  • How does Freedom and Choice in pensions affect LGPS members?

  • Reforms offering greater flexibility, 'Freedom and Choice', in the way that individuals aged 55 and over can access their defined contribution (DC) pensions became effective on 6 April 2015.

    As the Local Government Pension Scheme (LGPS) is a public sector defined benefit (DB) scheme, 'Freedom and Choice' does not apply to it.

    However, before retiring, members do have the right to transfer their pension rights out of the LGPS to a DC arrangement offering 'flexible benefits'.

    As a transfer out of the LGPS is a major financial decision requiring careful consideration and can only be done after taking advice, we suggest that any members contemplating this course of action first read our Freedom and Choice Q & A for LGPS members.

  • What is COPE?

  • If you ask the DWP for a State Pension Forecast, you may come across the term COPE, Contracted Out Pension Equivalent.

    If you were a member of the LGPS between 1978 and 2016, you will have paid less National Insurance (NI) contributions than had you not joined the LGPS.

    A consequence of paying less NI is that you are entitled to less state pension.

    The amount of state pension that you are not entitled to is called COPE.

    Your benefits from the LGPS will be more than COPE.