Planning
The choices you make when you take your pension will affect your income in later life. Find out about when you can take your pension, swapping pension for lump sum and what happens if you are too ill to work.
Taking your LGPS pension will affect your income in later life. It is important that you make the right decisions for you.
If you have paid extra contributions, find out how this will affect your benefits when you take your pension and what decisions you have to make.
You can choose to exchange part of your pension for a tax-free lump sum. Make sure you understand the impact of reducing your pension and know the limits that apply.
The LGPS protects you by paying your pension straight away if you are too ill to work at any age.