Pension Scheme

Information on the Local Government Pension Scheme (LGPS)


  • Secure benefits
  • A low cost to you
  • Benefits for you and your loved ones

A pension is a valuable part of your pay and reward package. Providing yourself with an income for your retirement is now an essential part of life. 

Our employees can join the Local Government Pension Scheme (LGPS), which includes:

Secure benefits

  • The LGPS provides you with a guaranteed future income, based on your career average pay.
  • Unlike some schemes your pension is not affected by share prices and stock market fluctuations.
  • Once you take your pension it will go up in line with inflation, protecting you from rising prices.

A low cost to you

  • You can get tax relief on your contributions - including extra amounts you pay to top up your benefits.
  • The Council also contributes money into the LGPS to provide these benefits for you.
  • You can take a lump sum when you retire, which in most cases will be tax free.
  • There are no hidden fees or charges - you simply pay a percentage of your pay.

Benefits for you and your loved ones

  • Protection for you in case you have to take your benefits early through ill health.
  • Pensions for surviving dependents and a lump sum payment if you die.
  • Increased flexibility over when you can retire and take your pension.
  • Life cover from the moment you join.

The LGPS is a national pension scheme administered locally by about 100 local authorities on behalf of hundreds of local councils and associated bodies across the UK.

View the Essex Pension Fund website to find out more about the LGPS and the latest scheme news

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