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Retirements and estimates

I want to start taking my pension - what's the process?

If you're still paying into your pension, you should start by letting your employer know. If not, you will need to contact LPPA directly.

How much of my pension can I take as a lump sum?

You can normally take up to 25 per cent of the value of your pension as a tax-free lump sum when you retire.

If I change my working hours, does that affect my pension?

Your pension is based on what you earn, so, it should only affect your pension if your pay is reduced.

Can I transfer all my pensions into this one?

It's possible, but only within the first 12 months of joining your scheme.

Can I transfer my pension out?

You may be eligible to transfer your pension, but there are some restrictions.

I am getting divorced, what pension details do I need?

You will need details of your pension benefits, known as a Cash Equivalent Transfer Value (or a CETV).

Can I opt out of my pension?

You can, but it’s wise to think carefully before making a decision.

How do I opt out of my pension scheme?

You will need to complete a form, which you can find on the LPPA website.

Can I pause my membership instead of opting out?

No, but you may have the option to reduce your contributions with by joining the 50/50 scheme.

When / how will I get my payslips?

You can access your payslips on PensionPoint, unless your pension is with Brent, Ealing Havering or Newham.

How does the annual allowance increase affect me?

It gives you a higher threshold (up to £60,000) of pension savings for the tax year.

My tax code is wrong.

If you think your tax code is incorrect, please contact HMRC.