Transferring In

If you’ve built up pension rights in another public sector scheme, you may be able to transfer them into Lothian Pension Fund (LPF).

We can accept transfers from schemes in the Public Sector Transfer Club, including:

  • Other Local Government Pension Scheme (LGPS) funds in Great Britain
  • Civil Service Pension Scheme
  • NHS Pension Scheme
  • Teachers’ Pension Schemes (signed form required)
  • Armed Forces Pension Scheme
  • Police and Fire Pension Schemes.

We can’t accept transfers from:

  • Personal or stakeholder pensions
  • Pension credits from pension sharing orders
  • Schemes not in the Public Sector Transfer Club.

Time limits and process:

  • You must request a transfer in writing within 12 months of joining LPF
  • A request for a quote doesn't count as an election to proceed
  • The process can take several months, so it’s best to start early.

How to apply: Download the Transfer In form, complete it, and send it to us. You can also find it in your welcome pack on My Pension Online and at the bottom of this page.

Beware of pension scams

Should you decide to transfer your benefits, you should be aware of potential pension scams. Educating yourself and remaining vigilant are key to minimising the risk posed by pensions scams. Listed here is a summary of the Financial Conduct Authority's (FCA) four key steps to protect your pension:

Step 1
Step 2
Step 3
Step 4

Step 1 – Reject unexpected offers

Scammers are often unknown contacts who will attempt to gain your trust through false claims. They will likely claim to be authorised by the FCA and will present you with unsolicited, attractive investment opportunities in an attempt to gain control of your pension pot. In other circumstance the money may be stolen outright. If an offer seems too good to be true, it likely is just that.

Step 2 – Check who you're dealing with

Remember that it isn’t usually possible to cash in your pension before the age of 55, except in cases of ill-health or where you have a protected retirement age that is below 55. Equally, you should be wary of offers for “free” pension reviews, “guaranteed” returns on pension investments or complicated, long term investments plans. FCA regulated advisors would never offer such services and opportunities. If you’re concerned about a potential scam you should report your suspicions to Action Fraud or the Financial Conduct Authority.

Step 3 – Don't be rushed or pressured

High pressure sales tactics are a common sign of a pensions scam. You should be wary of time limited offers to get the “best deal”. Be wary of promised returns that sound too good to be true and don’t be rushed or pressured into making a decision.

Step 4 – Get impartial information or advice

If you are deciding to transfer your benefits, consider consultation with the Pensions Advisory Service or an FCA regulated advisor before doing so. Those over 50 with a defined contribution pension, should consider booking an appointment with Pension Wise.

Forms

  • Transfer In Form

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