If you ask the DWP for a State Pension Forecast, you may come across the term COPE, Contracted Out Pension Equivalent.

If you were a member of the LGPS between 1978 and 2016, you will have paid less National Insurance (NI) contributions than had you not joined the LGPS.

A consequence of paying less NI is that you are entitled to less state pension.

The amount of state pension that you are not entitled to is called COPE.

Your benefits from the LGPS will be more than COPE.