Once logged on to your My NILGOSC Pension Online account you can change your email address through: Your Details > Contact Details > Edit.
Frequently Asked Questions
For security reasons your session will time out if left unattended for more than 5 minutes. If this occurs, you must log in again to continue viewing your account. To sign out correctly, please go to the Your Account tab (located at the top right corner of your screen), choose the logout option then wait for the message; "you have successfully logged off," before closing your browser.
No. My NILGOSC Pension Online allows you to access all of your LGPS(NI) pension records. Once you have successfully registered and logged into my NILGOSC Pension Online, a notification will appear on the top right hand section of your screen if you have other employments. These can be accessed by clicking on the green arrow button and selecting the applicable employment from the drop down menu.
You can amend contact and bank details through: Your Details > Contact Details > Edit. Please DO NOT use punctuation marks in your address as this can cause problems when we run certain programs. Other personal details that are not available to edit on this page can be amended by completing and returning a Change in Circumstances form.
For any other amendments please contact the NILGOSC administration team on 0345 3197 325
My NILGOSC Pension Online displays the information that is currently held on your pension record(s). Some amendments may take up to 10 working days from the day we receive notification of a change. If it has been beyond this timeframe, please submit a query through the Contact Us section of My NILGOSC pension Online, or contact the NILGOSC Administration Team on 0345 3197 325.
This is the age at which you are able to draw your pension benefits without any reductions or enhancements. Prior to the introduction of the CARE Scheme on 01/04/2015, the Local Government Pension Scheme (NI) had a Normal Retirement Age of 65 years, however since this transition, the normal pension age is now in line with your New State Pension Age (with a minimum of 65 years old). If you left the Scheme before 01/04/2015 you will have a Normal Retirement Age of 65. You can check your State Pension Age here.
If you voluntarily retire before your Normal Pension Age, your benefits will normally be reduced as your pension will be paid for longer. Your benefits are initially calculated and are then reduced; this reduction depends on how early you draw them.
The reduction is based on the length of time (in years and days) that you retire early i.e. the period between the date your benefits are paid and your Normal Pension Age, meaning that the earlier you retire, the greater the reduction.
As a guide, the current percentage reductions for retirements up to 13 years early are shown in the table below. Where the number of years is not exact, the reduction percentages are adjusted accordingly.
Number of Years Paid Early |
Pension Reduction |
Lump Sum Reduction |
---|---|---|
0 |
0% |
0% |
1 |
5% |
2% |
2 |
10% |
3% |
3 |
14% |
5% |
4 |
18% |
7% |
5 |
21% |
8% |
6 |
25% |
10% |
7 |
28% |
11% |
8 |
31% |
13% |
9 |
34% |
14% |
10 |
36% |
16% |
11 |
40% |
16% * |
12 |
42% |
16% * |
13 |
45% |
16% * |
*As automatic retirement grants were removed from the Scheme on 1 April 2009 and due to the protections in place regarding Normal Pension Age (NPA), a Retirement Grant is paid from age 65 without reductions i.e. the early retirement reductions cannot exceed those that apply for 10 years early.
If you left the Scheme before 6 April 2006, you are unable to defer drawing your deferred benefits. We will pay your pension when you reach your Normal Pension Age (NPA).
If you left the Scheme after 5 April 2006, you have the option to delay payment of your deferred benefits after your NPA. If you draw your pension after your NPA, it will be increased for each day your pension is delayed beyond your NPA to reflect the fact that it will be paid for a shorter time. Your pension has to be paid by your 75th birthday.
There have been multiple changes to the Local Government Pension Scheme which may directly affect the benefits you have accrued in the Scheme. The following table outlines some key changes which occurred when the Scheme changed on 1st April 2009 and again on 1st April 2015.
Pre 31st March 2009 |
1st April 2009 to 31st March 2015 |
Post 1st April 2015 | |
---|---|---|---|
Type of Scheme | Final Salary | Final Salary | Career Average Revalued Earnings |
Pension | Service X FRE* Pensionable Pay X 1/80th | Service X FTE* Pensionable Pay X 1/60th | Actual Pensionable Pay X 1/49th + Inflation per annum |
Lump Sum | 3 X Annual Pension | No Automatic Lump Sum (Option to convert pension to Lump Sum) | No Automatic Lump Sum (Option to convert pension to Lump Sum) |
Normal Pension Age | 65 | 65 | The higher of 65 or New State Pension Age |
FTE* - Full time equivalent pensionable pay, for the 12 months prior to date of leaving.
Whether you were a member of the Scheme during one, two or all three tranches, the benefits that you accrued during that specific period will be fully protected and will remain as they were during that tranche.
For more information on how your benefits are calculated, please visit the ‘How are my benefits calculated?’ section of our website here
The Membership Details page displays current and any previous employment information. In this section when referring to employments this includes any changes to your contract which has occurred during your membership.
A change in contract may refer to a change in your hours, whole-time equivalent hours, contracted weeks and any other contractual changes.
Any membership built up from pension benefits transferred into the Scheme and from periods of concurrent membership that have been added to this record from a previous LGPS(NI) pension record which have now ceased are also displayed. We will have previously notified you of such amendments.
The membership (years/days) shown on this page is displayed as the whole-time equivalent service accrued during the period of employment. Therefore for a period of part-time employment your membership is reduced to its whole-time equivalent length. For example, if you work half-time for ten years, your benefits would be calculated on five years membership, but the pay used would be scaled up to a whole-time equivalent.
Note: From 01 April 2015, we no longer require employers to update us on changes to your employment contract as from this point we entered the Career Average (CARE) Scheme. Therefore, current details may not reflect any changes after this date.
If you still have concerns regarding your membership, please submit a query from the contact us section of My NILGOSC Pension Online or contact the NILGOSC Administration Team on 0345 3197 325 .
Between April and June each year NILGOSC is notified of your annual pensionable pay for the previous financial year (1 April – 31 March).
Therefore, if you recently joined the Scheme, your pensionable pay will be zero until your employer submits its annual pay figures.
If you wish to use your current salary when using the Benefit Calculators, replace the pre-populated pay value in the pay data fields and input your amended salary figure. If you are contemplating retiring within the next twelve months, please request an estimate from us by submitting a benefit request from the contact us section of my NILGOSC Pension Online or contacting the NILGOSC administration team on 0345 3197 325.
Between April and June each year NILGOSC is notified of your annual pensionable pay for the previous financial year (1 April – 31 March).
Therefore, if you recently joined the Scheme, your pensionable pay will be zero until your employer submits its annual pay figures.
If you wish to use your current salary when using the Benefit Calculators, replace the pre-populated pay value in the pay data fields and input your amended salary figure. If you are contemplating retiring within the next twelve months, please request an estimate from us by submitting a benefit request from the contact us section of my NILGOSC Pension Online or contacting the NILGOSC administration team on 0345 3197 325.
No. We do not hold current fund values for any AVCs. If you wish to have a benefit projection with your AVC value included please request an estimate from us by submitting a benefit request from the contact us section of My NILGOSC Pension Online or by contacting the NILGOSC administration team on 0345 3197 325.
No. If a pension sharing order debit has been applied to your record, this adjustment will not be reflected on the benefits shown on My NILGOSC Pension Online benefit calculators. Consequently the estimated benefits may be overstated. If this is applicable, please request an estimate from us by submitting a benefit request from the contact us section of My NILGOSC Pension Online or contacting the NILGOSC administration team on 0345 3197 325.
Scheme Pays are included in the voluntary retirement calculator, however they are not automatically included in the other calculators at this time.
Information from monthly payslips and P60 End of Year details can be printed off by selecting the applicable pay period and clicking the Print button on the page.
Only you can access your data through My NILGOSC Pension Online. It is therefore very important that you keep your login details safe and secure. If you think someone has obtained your login details, please change your password immediately and notify us on 0345 3197 325. For more information please refer to our Privacy Notice here.
You can request further information and send queries by asking a question in the Contact Us section.
Alternatively you can contact us by;
Post: Templeton House, 411 Holywood Road, Belfast, County Antrim, BT4 2LP
Tel: 0345 3197 325
Email: info@nilgosc.org.uk
Your communication preference will be automatically set to electronic when you register for My NILGOSC Pension Online. If you wish to change this, or make a change at a later date, you should go to the ‘Your Details’ tile and select the ‘Edit’ button at the bottom of the page. You should make your required selection under ‘Communication Preference’ and click ‘Submit’.