union for life

Pensions

Pensions

We believe that everyone working in education and children's services is entitled to look forward to and enjoy their retirement without undue anxiety over pension income.

The ECS Group participates in key national-level meetings with the Department for Communities and Local Government, and is currently lobbying for:

  • key retirement pension benefits to be made available under the new-look local government pension scheme (LGPS)
  • a number of safeguards to be put in place for existing local government pension scheme members following the abolition of the 85-year rule.

The 85-year rule

The government has finalised transitional pensions protections for existing members of the Local Government Pension Scheme following the abolition of the 85-year rule.

The new regulations introduce a number of time-limited protections as follows:

  • all existing local government pension scheme members at 30 September 2006 will continue to be able to build up service under the traditional 85-year rule until 31 March 2008. In effect this delays the abolition of the rule until that date
  • the protection for existing local government pension scheme members at 30 September 2006, who reach age 60 or over and who would otherwise have satisfied the 85-year rule by 31 March 2013, has been extended until 2016. This extends the period to cover members now within nine and a half years of retirement
  • existing local government pension scheme members at 30 September 2006, who reach age 60 or over and who would otherwise have satisfied the 85-year rule between 1 April 2016 and 31 March 2020, choosing to retire before the scheme’s normal retirement age, will have their post-April 2008 pension build-up reduced via a tapered reduction through to 1 April 2020.

The 85-year rule traditionally allowed local government staff to take early retirement without any pension reduction if their combined age and length of service added up to 85 years or more.

It was abolished when new age discrimination legislation came into effect on 1 October 2006.

Read a Prospect briefing on LGPS 2014 – Protections for the Rule of 85 early retirement