I left the LGPS on or after 11 April 2015

If you opted out on or after 11 April 2015 and you have a deferred benefit in the LGPS you are not allowed to combine this with your new active pension if you re-join the scheme. Instead you will have two separate sets of pension benefits in the scheme. It may not always be in your interest to join up a deferred benefit with your active pension account. You should inform Cheshire Pension Fund when you join the LGPS if you hold any previous pension benefits. We will then contact you about the options available to you and provide information about the things you should think about when considering whether to combine your pension benefits.

Refunds and Transferring out

If you leave your current employer you have several options on what to do with your accrued scheme benefits. The options depend on how long you have been a scheme member and whether or not you transferred membership when you joined.

What if I don’t have another scheme to transfer to?

Your LGPS benefits will remain in the Cheshire Pension Fund and these benefits will enjoy cost of living increases. If you join another pension scheme at a later date you can request another transfer quotation. Members are entitled to 1 guaranteed transfer quote within any 12 month period.

What will happen if I do not wish to transfer my previous pension from Cheshire Pension Fund?

If you decide not to continue with the transfer, your deferred LGPS benefits will remain in the Cheshire Pension Fund and these benefits will enjoy cost of living increases. Please indicate your decision on the enclosed option form, and return it to us.

What will happen if my option form and my new scheme’s form are not returned to the Cheshire Pension Fund?

Your transfer cannot proceed without the completion and return of these forms to the Cheshire Pension Fund.

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Employer Newsletter May 2026

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Pensioner Newsletter Spring Summer 2026

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Cheshire Pensions Fund Annual Report 2024-2025

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You can pay APCs to buy up to £6,822 additional pension annually. This calculator estimates the cost based on your details for purchasing extra benefits.

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I left the LGPS on or after 11 April 2015

Refunds and Transferring out

What if I don’t have another scheme to transfer to?

What will happen if I do not wish to transfer my previous pension from Cheshire Pension Fund?

What will happen if my option form and my new scheme’s form are not returned to the Cheshire Pension Fund?

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