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Pension Scheme

As a member of staff at Colchester Borough Council, you will be automatically enrolled in the Local Government Pension Scheme (LGPS) unless you choose to opt-out.

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

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.

Page last reviewed: 7 February 2020