Recent legislation means that councillors and other elected members are now able to join the Local Government Pension Scheme (LGPS). This section gives you clear, accessible information about how the LGPS works, what membership means for you, and how to opt in.
Whether you are newly elected or have served previously, this page will help you understand your pension options and where to find further support.
What is the LGPS?
The LGPS is a defined benefit pension scheme for local government workers and public sector office holders.
If you choose to join, your pension benefits are not based on investment performance, but on your pay and how long you are a member of the scheme. The LGPS provides a package of benefits, including:
- a pension payable from normal pension age
- a tax‑free lump sum option
- ill‑health and death‑in‑service benefits
- pensions for eligible dependants
The scheme is backed by law and is a secure workplace pension arrangement`.
LGPS membership for councillors
Councillors are not automatically enrolled into the LGPS. You must actively choose to join.
If you opt in:
- you will pay pension contributions based on your pensionable allowance
- your local authority will also contribute to the scheme
- your pension will build up for each year you are a member
How your pension is worked out
The LGPS is a career average revalued earnings (CARE) scheme.
Each year you are a member, you build up a pension equal to 1/49th of your pensionable pay.
That pension is added to your LGPS account and adjusted in line with inflation
You will receive Annual Benefit Statements showing how your benefits are building up.
Opting in or opting out
If you would like to join the LGPS, you must complete an opt‑in form for councillors and elected members. This form will be available in the documents section below.
Once you are a member, you can choose to opt out at any time. If you opt out, your pension benefits will be preserved and payable at a later date.
Communications for councillors
Please use this section of the website to view any updates specifically for councillors and elected members. We will also send communications via email and newsletter to keep you updated on any important changes.
Online Portal
A dedicated online portal is also available for you to use. It allows you to view your pension, make future projections, and also nominate any beneficiaries who will receive your death grant.
To sign up, you must create an account using your National Insurance Number, email address, and date of birth.
Documents and guidance
This section will contain documents designed specifically for councillors and elected members, including:
- LGPS opt‑in form for councillors
- Member guides and factsheets
- Scheme information and updates
These documents are prepared by the Enfield Pension Fund and will be updated as legislation and guidance develops.
Need help or more information?
If you have questions about:
- joining the LGPS
- your pension benefits
- completing a form
To contact the Enfield Pension Fund administration team, email zpensions@enfield.gov.uk.
If you have questions about the online portal, email pension.comms@enfield.gov.uk.