Test 3
Tell Us Who You Are
- Active Members
Retiring from Employment
Learn when you can retire, how pension is calculated, and more.
Retiring with benefits on hold
Access calculator, retirement checklist, and key forms.
Already retired
Useful links to help you understand more about pensions.
Types of Retirement
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Normal Retirement
Age Limit : State Pension age
Employer Permission : Not Required
Reductions : Not ApplicableNormal Retirement
Age Limit : State Pension age
Employer Permission : Not Required
Reductions : Not ApplicableNormal Retirement
Age Limit : State Pension age
Employer Permission : Not Required
Reductions : Not ApplicableNormal Retirement
Age Limit : State Pension age
Employer Permission : Not Required
Reductions : Not Applicable
Ways you can top up your pension
- Extra guaranteed pension
Additional Pension Contributions
- No Investment Risk
- Inflation Protected
- Increases Regular Pension
- Survivor and ill-health benefits
- Extra guaranteed pension
Additional Pension Contributions
- No Investment Risk
- Inflation Protected
- Increases Regular Pension
- Survivor and ill-health benefits
Current Pension Tax Limits
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Manage your pension online
Access your account
Log in to your My Pension online account to view :
- Your pension details
- Statements
- Personal information.
Access your account
Log in to your My Pension online account to view :
- Your pension details
- Statements
- Personal information.
Access your account
Log in to your My Pension online account to view :
- Your pension details
- Statements
- Personal information.
Access your account
Log in to your My Pension online account to view :
- Your pension details
- Statements
- Personal information.
Paying for ill health early retirements
When your employee retires on the grounds of permanent ill health, you may have to pay the strain cost of bringing their benefits into payment early. This cost can be large and unpredictable. There are generally three types of arrangements for paying ill health early retirement strain costs. These are outlined below:
Employer Representatives
Employer representatives must be office holders or senior employees of employers of the Fund or have experience representing scheme employers in a similar capacity.
Officers or elected members of the Administering Authority responsible for the discharge of any function of the Administering Authority under the LGPS cannot serve as a member of the Board.Employer Representatives
Employer representatives must be office holders or senior employees of employers of the Fund or have experience representing scheme employers in a similar capacity.
Officers or elected members of the Administering Authority responsible for the discharge of any function of the Administering Authority under the LGPS cannot serve as a member of the Board.Other Representatives
The Administering Authority will write to the Greater Manchester local authorities to ask them to coordinate the appointment of a representative of Greater Manchester Treasurers and a representative of Greater Manchester Chief Lawyers.
The Administering Authority will propose one of the representatives be the Chair. There will be no vice-chair.
Paying for ill health early retirements
When your employee retires on the grounds of permanent ill health, you may have to pay the strain cost of bringing their benefits into payment early. This cost can be large and unpredictable. There are generally three types of arrangements for paying ill health early retirement strain costs. These are outlined below:
Employers who participate in the GMPF ill health insurance scheme
- For these employers the insurance scheme will meet the cost of their ill health strain cost.
- No further direct costs shall be passed onto the employer. However, their insurance premium might be adjusted at the following actuarial valuation if their ill health experience is more costly than was assumed by the Actuary.
- Not all employers are eligible to participate in GMPF’s ill health insurance scheme.
Employers who have an ill health budget
- For employers that have an ill health budget, the strain cost arising from their employee’s ill health early retirement will be deducted from their budget.
- Should ill health strain costs exceed the budget then any amount in excess of the budget will need to be paid to GMPF.
- Not all employers are eligible to have their own ill health budgets.
Employers who neither participate in GMPF’s ill health insurance nor have an ill health budget
- These employers will be invoiced for their employee’s ill health early retirement strain costs.
- If you are in this category, you could consider obtaining external insurance cover, a provider of this insurance that GMPF is aware of is Legal & General (L&G).
- L&G have developed an insurance product for LGPS employers to help ease the risk of the employer incurring large and unexpected ill health early retirement costs. This insurance policy will only cover employees who are contributing members of GMPF and therefore any costs arising in respect of members with benefits on hold, will not be covered using this product.
- For help understanding the plan and policy, further information and contact details, you can read the L&G factsheet
Ways you can top up your pension
- Extra guaranteed pension
Additional Pension Contributions
- No Investment Risk
- Inflation Protected
- Increases Regular Pension
- Survivor and ill-health benefits
- Extra guaranteed pension
Additional Pension Contributions
- No Investment Risk
- Inflation Protected
- Increases Regular Pension
- Survivor and ill-health benefits
- Extra guaranteed pension
Annual Increase
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