You can use Additional Pension Contributions (APCs) to buy extra pension for your retirement.

Before you apply

You can find out the cost of buying APCs for extra pension at the LGPS member website. The Buy extra pension calculator provides the payment options available and creates the application form required to buy APCs.

Before you apply to buy extra pension please read the terms and conditions.

Making an application

When you have completed the application form you should send it to Merseyside Pension Fund for approval. By signing the application form to buy extra pension, you will agree to the payable amounts shown to be deducted from your pay for the duration of the agreement period (unless you elect at some future time to stop payments).

If you have more than one job, you must specify which job the extra pension is to be credited to. If you want to pay APCs for each job, you will need to complete separate applications for each job.

When you apply to buy extra pension, the Fund will issue you with a certificate which must be signed by a registered medical practitioner following a medical examination. This will certify that you are 'in reasonably good health'.

Failure to obtain this signed certificate will mean that your application to buy additional pension is invalid and cannot proceed.

Paying for your extra pension

If you are paying APCs from your salary your employer will start taking the payments from the next available pay period after we have agreed your application.

The extra pension you buy is for your benefit only. No extra pension is paid to your dependents when you die.