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Can I reduce or stop my pension contributions?

Yes, you can reduce your pension contributions if you join the 50/50 section of the LGPS (NI). If you do, you’ll pay half your normal contributions and build up half your normal pension. You’ll keep full life and ill health cover in the 50/50 section. You can move back to the main section when you are ready. Find out more about the 50/50 section on the Contribution rates page – Contribution rates – NILGOSC.

You can use the Contributions calculator to check how joining the 50/50 section would affect your take-home pay.

If you want to stop your pension contributions, you can opt out of the LGPS (NI) by filling out an an opt out form. You should take independent financial advice before opting out.

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