Your Annual Benefit Statement is an important record of your LGPS membership. It provides an annual summary of the deferred benefits you hold with us.

Your statement shows:

• the value of your annual pension with effect from April of that year
• the value of your automatic lump sum with effect from April of that year (the lump sum was built up before 1 April 2008)
• the date at which you can take your pension unreduced (i.e. Your Normal Pension Age in the ‘Date Benefits payable from’ field)
• the value of the Survivor's pension which may be payable to an eligible dependent at your death
• the values of the benefits shown above include the amounts of ‘pensions ‘increase applied in line with the Consumer Price Index (CPI) since you left the LGPS
• whether you have McCloud Remedy Protection
• the current value of any underpin amount due if you are protected by the McCloud Remedy

We have produced Explanatory Notes to help you better understand your Deferred Annual Benefit Statement and the McCloud Remedy Protection.

Receiving your Annual Deferred Pension Statement

Every year we provide you with a Deferred Annual Benefit Statement for each deferred pension you hold with us. We send it either by post or make it available to you online.

If you are a registered user of our secure online service, MyPension, you will receive an email notification that your statement is available and instructions of how you can view it in your account.

Members who are not registered users of MyPension will only receive their statement by post if they have requested it in writing or via email.

By registering for MyPension you can:

• access and download your current and previous years statements
• update your address and expression of wish nomination
• make pension projections
• request payment of your deferred benefits from 3 months before your 55^th birthday onwards.

Checking your Statement

To ensure we keep you informed about changes to your pension benefits it is important that you check your Annual Benefit Statement each year.

You should tell us of any errors or changes to your personal circumstances, such as your name, home address or email address.