How are my benefits calculated?

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How is my pension worked out if I joined the LGPS on or after 1 April 2014?

Every year, you will build up a pension at a rate of 1/49th of the amount of pensionable pay you received in that scheme year (or half this rate of build up for any period you have elected to be in the 50/50 section of the scheme).

If during the scheme year you had been on leave on reduced contractual pay or no pay due to sickness or injury, or had been on relevant child related leave or reserve forces service leave then, for the period of that leave, your pension is based on your assumed pensionable pay* (other than during any part of relevant child related leave where the pensionable pay you received was higher than your assumed pensionable pay).

The amount of pension built up during the scheme year is then added to your pension account and revalued at the end of each scheme year so your pension keeps up with the cost of living.

* Assumed pensionable pay is the pay you would have received if it hadn’t been affected by a reduction or suspension.

How is my pension worked out if I joined the LGPS before 1 April 2014?

If you joined the scheme before 1 April 2014, you will also have built up benefits in the final salary scheme. 

Your benefits in the LGPS built up before 1 April 2014, are based on:

  • your membership in the scheme up to 31 March 2014
  • your final pay when you leave the scheme, although the benefits based on membership to 31 March 2008 are calculated slightly differently to benefits based on membership between 1 April 2008 and 31 March 2014

Further information

The Local Government Association also have more information about benefits built up prior to 1 April 2014, this is split up into the two sections mentioned above:


You may find this video from the Local Government Pension Scheme website helpful. For sub-titles, select the CC button on the video.

How your pension works