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My Pension Online

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My Pension Online

The Local Government Association (LGA) has produced a list of Local Government Pension Scheme (LGPS) members’ most frequently asked questions about the impact of coronavirus on their pension benefits.

I'm concerned about my financial situation because of coronavirus. What can I do?

The Money Advice Service has published guidance on how to deal with the financial effects that you may be suffering due to the coronavirus pandemic. It covers all aspects of your finances including problems with:

  • paying mortgage and rent payments
  • debt
  • claiming benefits

Can I stop my pension contributions?

Yes, but you might want to consider joining the 50/50 section of the LGPS instead of opting out. If you join the 50/50, you’ll pay half your normal contribution rate and build up half your normal pension. You'll retain full life and ill health cover, and you can move back to the main section whenever you are ready.

You can use the contributions calculator on the LGPS member website to check what difference this would make to your take home pay.

If you decide you would like to stop your contributions after you've read about the 50/50 section, and our information about opting out of the scheme, you can download a copy of our ‘Opt Out form’ from our forms and guides page. You should take independent financial advice before deciding to opt out. 

The coronavirus pandemic is affecting stock markets. Will this affect the value of my LGPS pension?

No, the LGPS is a defined benefit pension scheme which means your pension is based on your salary and how long you’ve paid in. Your pension is not linked to stock market performance, so both your contributions and your pension, whether in payment or not, will be unaffected.

The only exception to this is Additional Voluntary Contributions (AVCs). If you have an AVC, it's possible the value may have reduced. This will depend on the funds you have chosen to invest in. You should contact your AVC provider for more information about this.

I'm receiving a pension from the LGPS. Will my pension still be paid to me?

Yes, Derbyshire County Council’s HR Services department will prioritise paying pensions during these uncertain times, email

If my pay is reduced, what impact will this have on my pension?

This will depend on the reason for the reduction.

Sick leave

If your pay is reduced or you receive no pay because you are off work due to sickness or injury, your pension builds up as if you were at work receiving normal pay. You'll continue to pay contributions on any pay you receive during your sick leave.

Authorised unpaid leave

If your employer allows or requires you to take a period of unpaid leave, you will not build up any pension for the period unless you choose to pay Additional Pension Contributions (APCs) to purchase the amount of pension lost.

If you choose to pay APCs to purchase the amount of pension lost and you make your election to do this within 30 days of returning to work, the cost will be split between you and your employer.

You can find more information about paying APCs, use an online calculator and download an application form from the LGPS member website.

Coronavirus job retention scheme leave

The government has confirmed that they don't expect public sector organisations, such as councils, to use the coronavirus job retention scheme, except in some very limited cases. Public sector employers should continue to pay staff in the normal way even if they're not at work.

If your employer is able to use the job retention scheme and you both agree, your employer might be able to keep you on the payroll if they’re unable to operate or have no work for you to do because of coronavirus. This is known as being ‘on furlough’.

If this applies to you, your employer could pay 80% of your wages up to a monthly cap of £2,500. The government will provide funding to help your employer to do this. Employers can choose to top up your pay to 100%, but if you receive less pay when you are ‘on furlough’, the amount of pension you build up during this period will also be reduced. You'll continue to pay pension contributions on the pay you receive.

You can pay Additional Pension Contributions (APCs) to buy extra pension to make up for the pension lost during this period. Your employer doesn't have to pay towards the cost, but they can choose to.

You can find more information about paying APCs, use an online calculator and download an application form from the LGPS member website.

The website provides more information about the job retention scheme.

Emergency Volunteering Leave (EVL)

The government has introduced a new volunteering scheme to allow the public to contribute to the coronavirus response. The scheme allows workers to take unpaid statutory emergency volunteering leave to volunteer in health and social care authorities.

If you take a period of EVL, your LGPS pension benefits will build up in the same way as if you were working normally.

You'll only pay contributions on any actual pay your employer pays you during the period.

Other leave reasons

For information about the impact on your pension if you're away from work for any other reason, such as child related leave or reserve forces leave, visit our absent from work page.

How will coronavirus affect the service Derbyshire Pension Fund provides?

We want to assure you that we’re doing everything we can to minimise the disruption to our service during the coronavirus outbreak, while protecting the health and wellbeing of our staff and our stakeholders.

Measures are in place to ensure that we can continue to pay pensions and administer the scheme during an event which disrupts normal working practices, such as the current situation.

Due to the number of staff working remotely, there may be a delay to our normal response time in dealing with telephone, postal and electronic enquiries, so we’d appreciate your patience at this time.

Contacting us during the outbreak

If you do need to contact us, we encourage you to use our online enquiry form. This is the best way to contact us to ensure that your message is received and your enquiry is dealt with as soon as possible.

If you need to send us electronic attachments, email: It's your responsibility to ensure your personal data is sent to us securely. Please check with your own email provider if you're unsure how to do this.

Could pension scams increase during the coronavirus outbreak?

Yes, watch out for scams related to coronavirus. These scams take many forms and could be about insurance policies, pensions transfers, or high-return investment opportunities, including investments in cryptoassets.

If you suspect a scam, call Action Fraud straight away tel: 0300 123 2040.

Scammers are sophisticated, opportunistic and will try many things. They’re also very likely to target the vulnerable. Beware of investments that appear to be too good be true. To help protect yourself:

  • reject offers that come out of the blue
  • beware of adverts on social media channels and paid for or sponsored adverts online
  • use the Financial Services Register and warning list to check who you’re dealing with
  • don't click links or open emails from senders you don't already know
  • avoid being rushed or pressured into making a decision
  • if a firm calls you unexpectedly, use the contact details on the Financial Services Register to check that you’re dealing with the genuine firm
  • don't give out personal details (bank details, address, existing insurance, pensions or investment details)