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What is a pension?

The importance of saving for later life, how you join the LGPS and your employer pays in too.

How your pension works

How pension accounts work and what happens if you leave the LGPS before you take your pension.

Looking after your pension

How much you pay and how you can increase or decrease your payments.

Protection for you and your family

How the LGPS looks after you and your loved ones by providing protection if you have to retire due to ill health and a range of death benefits.

Life after work

How and when you can take your pension, and the decisions you will have to make.

Your annual allowance

Tax rules limit how much pension you can build up each year without having to pay a tax charge. This video explains how the annual allowance works.

Your lifetime allowance

Tax rules limit how much pension you can build up over your lifetime without having to pay a tax charge. This video explains how the lifetime allowance works.