You may wish to top up your pension.

There are 4 ways you can do this.

1. Additional Voluntary Contributions (AVCs), which is an in-house option offered through the Prudential.  To find out more please click here
2. Additional Regular Contributions (ARCs). You can buy extra pension, no matter what other benefits you will build up anyway. You decide how much extra pension you want to buy, in £250 steps.

            So for example you can boost your pension by £250, or £500, or £750 - all the way up to a maximum of £5000.

    3   . Free standing additional voluntary contributions (FSAVCs) made to a company of your choice

    4.    Pay into a stakeholder or personal pension plan – this will be an arrangement outside the scope of the LGPS.

Whichever of the first 2 choices you choose, the extra contributions will come straight out of your pay. And because they all count as pension contributions, you get tax relief if you are a tax payer.

But be aware you will have to pay the full cost yourself, as unlike your normal benefits, these extra benefits aren’t subsidised by your employer.

We strongly suggest you read our Buying additional pension guide (57KB - pdf help) and then if you require any further information please contact our Additional Benefits team who will be more than willing to help you.

Downloads:

 Option form  to be completed and returned to our office to confirm your wish to purchase additional pension

 Medical certificate to be completed by your own doctor

Contribution Tables  Male  /  Female -Tables detailing the monthly contributions to be made by a member who has elected to make an additional contribution to the LGPS to increase pension by £250 a year (please ensure you look at the correct tables according to your gender).

Do you currently contribute to the in-house AVC with the Prudential

If you are currently contributing to our in house AVC with the Prudential you can access your account online.

The online access allows you to view your current fund choices, as well as switching funds and redirecting future contributions into the different funds available to your scheme.

To view your account online please click here, or to view a brief guide on how to use the online facility please click here (1.46MB - pdf help).

If you have any problems logging into your account please phone our additional benefits team on 01392 688219 who will be more than happy to help.