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What does it mean for the LGPS (NI)?

When the LGPS (NI) changed from a final salary to a career average pension scheme in 2015, members who were within 10 years of their Normal Pension Age (usually age 65) on 1 April 2012 were provided with a protection called the ‘underpin’. When a protected member takes their pension, the benefits payable under the career average (CARE) and final salary schemes are compared and the higher amount is paid.

The Department for Communities will need to provide younger members with a protection equal to the underpin protection provided to older members to remove the discrimination. The outcome of the recent consultation is awaited.

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