Additional points
Every year we’ll provide you with a statement giving you the current value of your deferred benefits.
Your annual pension statement is uploaded to your EAPF Online account, and you’ll receive an email from us letting you know when it’s ready to view online. This is why it’s important that you tell Capita whenever you change your address or contact details.
Watch our ‘EAPF Annual Pension Statement explained’ video below.
The easiest way to update your personal details is by registering to EAPF Online. You can access all your annual pension statements, use our secure contact form with upload function and even view or update your nominated beneficiaries.
If you’re not already registered online, don’t worry it’s simple. All you’ll need is your National Insurance number and a valid email address. Register or log in to EAPF Online
For more details about what a deferred member EAPF Online account provides you, visit our ‘Your pension online’ page on our website.
Watch our helpful EAPF Online videos below.
We’ll write to you when you approach your 60th birthday or, if you didn’t claim your deferred benefits at age 60, when you approach your NPA*, to ask whether you’d like to claim your deferred benefits at that point. If you wish to receive your pension outside of these dates, you’ll need to notify us in writing (in some cases, giving 3 months’ notice).
*In some instances, your NPA will be between age 60 and 65; if this is the case and you left before 6 April 2006, your pension must be paid from your NPA and cannot be deferred to a later date.
If your benefits are subject to a pension sharing order or earmarking order issued by the court following a divorce, or dissolution of a civil partnership, or are subject to a qualifying agreement in Scotland, your benefits will be reduced in accordance with the court order or agreement.
If, in the future, you start any new proceedings of the types described above, you’ll need to make a written request to us for a cash equivalent transfer value (CETV).
There are limited situations where your deferred pension may be either forfeited or reduced. For example, if you are convicted of an offence in respect of your employment and have left your employment due to that offence, your employer may apply to the Secretary of State for a forfeiture certificate.
You’re not allowed to assign your benefits. Your LGPS benefits are strictly personal and can’t be assigned to anyone else or used as security for a loan.
If you have any questions regarding your pension entitlement, you can contact our pension administrator Capita using the details shown on the back cover of this guide.
Disclaimer - This guide is not intended to cover every personal circumstance, nor does it confer any contractual or statutory rights and is provided for information purposes only. In the event of any dispute over your pension benefits the appropriate legislation will prevail.
The EAPF is part of the Local Government Pension Scheme (LGPS) which is governed by the LGPS regulations.
