CONTACT THE EAPF

Contact us

You can get in touch with us through
the following methods.

0800 121 6593
+44114 452 5008 (overseas)
      The Environment Agency Team

      Capita
      11b Lingfield Point
      Darlington
      DL1 1AX

Opting out

If you are thinking of opting out you might want to first consider an alternative option which is to elect to move to the 50:50 Section of the scheme. The 50:50 Section allows you to pay half your normal contributions in return for half the pension you would normally build up. To find out more, please click here.

If, having considered the 50:50 option, you still decide the LGPS is not for you, you can leave the LGPS at any time on or after your first day of eligible employment by giving your employer notice in writing. You might, however, want to take independent financial advice before making the final decision to opt out. We also recommend that you read our guide about opting out.

If you would like to opt out, please complete an Opt out form and hand it in to your HR or Payroll department.

If you opt out of the LGPS before completing 3 months membership

You will be treated as never having been a member and your employer will refund to you, through your pay, any contributions you have paid during that time.

If you opt out of the LGPS with 3 or more months membership and before completing the 2 years vesting period

You can take a refund of your contributions (less any statutory deductions) or transfer out your pension to another scheme. If you were in the scheme before 1 April 2014 and opt out on or after that date with 3 or more months membership and before completing the 2 years vesting period you will also have the option of having deferred benefits in the scheme instead of taking a refund of your contributions (less any statutory deductions).

If you opt out of the LGPS after meeting the 2 years vesting period

You will have deferred benefits in the scheme and will generally have the same options as anyone leaving their job before retirement (except you cannot draw your deferred benefits).

What happens if I’ve opted out?

If you opt out, provided you are otherwise eligible to join the Scheme, you can opt back in at any time before age 75.

You will automatically be re-enrolled into the Scheme within 3 years of opting out. You will be told when this happens and would still have the right to again opt out of the LGPS. 

Please click here for more information regarding auto-enrolment.

Close