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I am a pensioner with underpin protection?

Took your pension before 1 October 2023 – NILGOSC will review the pension that you are being paid.  If the pension you would have built up between 1 April 2015 and 31 March 2022 in the final salary scheme would have been higher than in the career average scheme, then your pension will be increased.  NILGOSC will also pay you arrears of pension and interest. 

NILGOSC has over 50,000 records to review so it will take some time to review all the cases.  For most members the pension that they built up in the career average scheme will have been higher, so no increase will be due.

Take your pension on or after 1 October 2023 – if you are protected NILGOSC will take this into account when it works out your pension.  If your pension is increased because of the underpin we will tell you how much has been added.  You do not need to do anything as the protection will automatically apply.  For most members the pension that they built up in the career average scheme will have been higher, so no increase will be due.

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