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Nilgosc


Applying to buy Additional Pension

How do I apply to buy additional pension?

Once you have decided what you want to purchase, having used the APC calculator you should either print off or download the APC application form (LGS27A or LGS27B).  If you are buying ‘lost’ pension you should contact your employer first so they can tell you your amount of lost pensionable pay.

If you are buying additional pension:

You should complete and forward the application form (LGS27A) to NILGOSC along with your payment for a Good Health Medical.  The current fees for a Good Health Medical are £118 (2017/18 figures)

We will advise you of the date of your appointment when we receive your application form and payment for the medical.  If you pass the Good Health Medical we will write to you and your employer confirming the additional monthly deductions that should be taken from your pay and the period you will be paying over or the lump sum amount if you are making a one-off payment.

You can make a one-off payment either via your pay or directly to NILGOSC.  If you make payment directly to NILGOSC you will need to reclaim any tax relief directly with HM Revenue and Customs (HMRC).

If you are Covering pension ‘lost’ through authorised unpaid leave due to industrial action:

You should complete and forward the application form (LGS27B) to your employer who will complete their section of the form and forward it on to NILGOSC.

On receipt of the completed application form NILGOSC will advise both you and your employer of the additional monthly deductions that should be taken from your pay and the period you will be paying over or the lump sum amount if you are making a one-off payment.

You can make a one-off payment either via your pay or directly to NILGOSC.  If you make payment directly to NILGOSC you will need to reclaim any tax relief directly with HM Revenue and Customs (HMRC).

Why do I have to have a medical and do I have to pay for it?

If you are buying additional pension to boost your pension benefits you must complete a Good Health Medical.  This is because if you retire due to ill-health or die in service your additional pension will be treated as if it had been paid in full.  Therefore, NILGOSC needs to know that you are in good health and unlikely to retire on ill-health grounds before it will agree to your purchase of additional pension.  You must pay the cost of the Good Health medical.

You do not have to have a Good Health medical if you are buying additional pension to cover ‘lost’ pension due to authorised unpaid leave or industrial action.