How to join?
Membership of the Local Government Pension Scheme is a great perk of the job, and its open to you if you work for one of the local authorities in North East Wales, or one of a whole range of other organisations.
You can join the scheme any time before your 75th birthday, it doesn't matter whether you are full time or part time, permanent or temporary you can join, no matter how long your contract is for.
Individuals who are not eligible for auto-enrolment can still join their workplace pension scheme - they just aren't put in automatically, this can be done by opting in.
Who is eligible to join the Local Government Pension Scheme (LGPS)?
- You must be an employee of a Local Government employer providing access to the scheme
- Aged under 75 years old
What to expect when joining the scheme
Upon entering the scheme your employer is obliged to notify the Clwyd Pension Fund that you have commenced paying contributions in the LGPS. These contributions will continue to be taken from your pay on a regular basis unless you opt out of the scheme or leave your employment.
Upon notifying the Clwyd Pension Fund of your enrolment into the scheme, your employer shall also provide the Fund with any relevant employment and personal details. The administration team at the Clwyd Pension Fund shall subsequently write out to yourself with a welcome pack, which includes a Short Guide to the LGPS and a number of forms to complete.
You must opt to join if you don't have a continuous employment contract that is for at least 3 months or more.
If you wish to opt into the scheme you will need to complete an opt in form and send this to your employer's payroll department, who shall deduct pension contributions from your pay at the earliest opportunity.
Your employer will subsequently notify the Clwyd Pension Fund who shall write out to yourself with a guide to the scheme, an activation key for Member Self Service and a number of forms to be completed
Who is eligible for auto-enrolment? - Employees of a Local Government employer or an employer that uses the LGPS - Be aged between 22 and State Pension Age - Earn above the current earnings threshold of £10,000 per year
Between October 2012 and 2017, new government legislation will progressively apply to all LGPS employers which will require such organisations to meet a number of new pension requirements. This means all categories of new staff that are currently auto-enrolled under the LGPS Regulations, AND must continue to be auto-enrolled after the staging date.
The purpose of the auto-enrolment legislation is to increase the number of staff across the country's workforce that will be enrolled automatically into a qualifying pension scheme. This will not necessarily be the LGPS for all current employers, unless they are required to do so under the LGPS Regulations.
How do I ensure that I have become a member of the LGPS?
On joining the LGPS a pension account will be set up(for each employment in the scheme, if you have more than one) and an official notification of your membership of the LGPS will be sent to you. You should check your pay slip to make sure that pension contributions are being deducted