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For members of the Local Government Pension Scheme in Scotland

Buy lost pension calculator

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Overview

You can pay additional pension contributions to buy back lost pension if you are away from work with no pay. You can do this if you are in either the main or 50/50 section of the LGPS.

If you elect to buy back the lost pension within 30 days of returning to work your employer will meet two thirds of the cost (unless you were on strike). You can spread the cost of buying the lost pension by making regular payments from your salary or you can pay by lump sum. If you pay tax, you will get tax relief on the additional contributions you make.

Sometimes you will still be building up pension if you are away from work with no pay, such as sickness and some child related leave. If this applies, there is no lost pension to buy. See the terms and conditions to check when this applies.

You also do not need to buy back pension lost if your employer allows you take unpaid leave and you are away for 30 days or less. In these circumstances, you will continue to pay contributions on the pay you would have received had you not been away.

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Personal details

The allowed age range for this field is 16 - 74.
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Payment details

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Results

Yearly pension lost during absence £
cost to you (before tax relief) £
cost to your employer £
Total cost £
Years of agreement
Pension added to account each year of agreement £
Your age
Your Normal Pension Age (NPA) 65
Based on a cost of £ per £100 of lost pension (before tax relief)

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Apply for lost pension

To apply for a lost pension APC based on the quote above complete the personal details below, check the box to confirm you have read the terms and conditions then print and send your application form

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To enter a digital signature and date click on 'sign and download application'. Alternatively, please print and complete the application and send to your pension fund.

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Next steps

You should now send the application form to your employer for approval.

Your local pension fund will let you know if they require you to submit a medical report before your application can be accepted.


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