Local Government Pension Scheme (LGPS ) Opt out form 2025

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Overview. As an LGPS member, you build up a pension that will increase in line with the cost of living for the rest of your life after you take it. You can exchange part of your pension for a tax-free lump sum that is paid when you take your benefits.
The pension provider might allow you to opt out online. Once youre enrolled into the pension scheme, theres a one-month timeframe in which you can opt out. This is called the opt out period.
Am I entitled to a refund? If youve requested to opt out of your workplace pension scheme within 1 calendar month of being enrolled, youll be entitled to a refund of your contributions. If you request to cease active membership after this time, you wont be entitled to a refund.
You can claim a refund of the pension contributions you have paid. If you have been a member of the LGPS for more than three months, you may be able to transfer the cash value of the deferred refund to another pension arrangement. You will generally have to complete a transfer within a limited time after leaving.
If you have decided that the 50/50 section is not for you, you can opt out of the LGPS. You cannot opt out before the first day that you are a member. This will usually be the first day of your employment, but it may be the date your employer must bring you into the LGPS under Automatic enrolment rules.
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You can opt out by giving your employer notice in writing. Contact your pension fund to get an opt out form. Your employer cannot give you an opt out form.

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