Your Benefits & When You Can Draw Them*
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home link_seperator online forms link_seperator web access guide 4 September, 2010
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  Employees Guide
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The Employees Guide explains the benefits available to you when you join the Local Government Pension Scheme. It describes how the Scheme works, what it costs to join and the financial protection that it offers you and your family.

Where pension terms are used, they appear in bold type. These terms are defined in the section 'pension terms defined'.

EMPLOYEES GUIDE

The Choice

Joining the Local Government Pension Scheme (LGPS)

Contributions

Retirement Benefits

Ill Health Retirement

Early Retirement

Flexible Retirement

Late Retirement

Protection For Your Family

Increasing Your Benefits

Leaving Your Present Job Before Retirement

Opting-out of the LGPS

Some Other LGPS Provisions

Pensions and Divorce

Scheme Administration

Help With Pension Problems

Pension Terms Defined


Disclaimer
The information contained in the Employees Guide is based on the Local Government Pension Scheme Regulations1997 (effective from 1st April 1998) and other relevant legislation. The Employees Guide is for general use and cannot cover every personal circumstance. In the event of a dispute over your pension benefits, the appropriate legislation will prevail as the Employees Guide does not confer any statutory rights and is provided for information purposes only.


Clwyd Pension Fund, County Hall, Mold, Flintshire CH7 6NA 01352 702876 Disclaimer

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