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NILGOSC News: Members

Why does the date I joined the Scheme not match the date that I started my job?

The date of joining is the date you started paying contributions into the scheme.  This may not be the same date that you started employment.

I have had final salary membership (pre 1 April 2015) for 10 years – why does it only show 5 years’ membership?

If you worked part-time, before 1 April 2015, the membership shown has been adjusted accordingly. E.g. if you work 20 hours per week (and your full-time hours is 40 hours) for 10 years you will build up 5 years’ membership in the Scheme. 

I don’t think that my pensionable pay is correct.

Your pay has been provided by your employer.  Any queries concerning this information should be made to your employer.

My personal details are incorrect – what should I do?

If any of your personal details have changed or are shown incorrectly you can log on to your My NILGOSC Pension Online account and update them.  Alternatively, you can complete an LGS24 – Change of Circumstances Form (2.16MB PDF) or telephone us on 0345 3197 325.

Why have I received a statement for one of my jobs but not all of them?

Annual benefit statements will be available on My NILGOSC Pension Online, or issued to home addresses in several batches during July/August. If you have not received all of your statements by the beginning of September please contact us.

I have received more than one pension benefit statement. Is it possible to combine my records together so that I only receive one statement?

NILGOSC is required to produce a statement for each pension record you have with us.  When you start a new job with any Scheme employer you may have the option to combine your pension records within the first twelve months.  If you have not chosen to combine your records within twelve months they must remain […]

I pay Additional Voluntary Contributions (AVCs), why are they not shown on my statement?

If you pay Additional Voluntary Contributions (AVCs), you will receive a separate statement from your AVC provider.

Why is there no lump sum shown on my statement?

An automatic lump sum is only applicable for membership built up to 31 March 2009.  If you joined the Scheme after this date you will not be entitled to an automatic lump sum.  However, at retirement you can choose to give up part of your annual pension for a lump sum.

How much pension can I exchange for a bigger lump sum?

There are limits to how much pension you can to give up for a bigger lump sum.  If you have registered for My NILGOSC Pension Online, you can use the conversions options in the benefit projector to work out how your pension is affected if you exchange some of your pension for a bigger lump sum. […]

Can I take the lump sum early and leave the pension until later?

No.  You must take your pension and lump sum at the same time. 

Can I claim my pension as a one-off lump sum?

If the value of your pension is within the HMRC limits you may be able to have it paid as a one-off taxable lump sum instead of a monthly pension.  You can learn more on our Calculating pension page.

Projections are to my normal pension age, but what would I get if I retired earlier?

You can retire and receive your benefits at any time from age 55* onwards and you do not need your employer’s permission.  If you choose to retire before your normal pension age, your benefits may be reduced as they will be paid for longer. How much your benefits are reduced by depends on how early […]