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    Where can I find my 2021 Pension Update?

  • Your deferred pension update is now available by logging into SPFOnline

    If you are not registered for SPFOnline, you can Sign Up here

    Deferred members who prefer hard copies have been mailed with their pension update to the home address we hold on our records.

    If you are a deferred member who has not received any communication from us, it could be that we do not hold a current address for you, or that we have an out of date address for you.

    Please get in touch via

    We always recommend that members who move advise us of their new address.

  • When will the Deferred 2021 newsletter be available?

  • In Touch 2021, our annual newsletter for deferred members, will be available in the summer.

    Members will be notified when In Touch is avalible to view from our website here

  • I have moved house. How do I inform you of the change of address?

  • You can update your address by logging into your online pension account at

    If you are not signed up to SPFOnline, you should send an email to with the following information:

    • Your Name
    • National Insurance Number
    • Date of Birth
    • New Home Address

  • How do I update my Nomination(s)?

  • You can make and update your nominations using SPFOnline.

    Alternatively you can complete a Nomination Form that can be found here 


  • How do I update my marital/partnership status?

  • This cannot be updated online.

    Please complete this form and email to

  • How are my deferred benefits calculated?

  • Please click here for information.

  • My 2021 pension update does not show a lump sum amount?

  • Only members who joined the scheme prior to 01/04/2009, receive an automatic lump sum.

  • Will my deferred benefits increase?

  • Your deferred benefits adjust in line with inflation see here

  • I have other periods of membership with SPF?

  • You will receive a Pension Update for each period of membership held in the scheme.

    If you are currently contributing to the scheme your Pension Update for this period of membership will be available in August and if you have deferred benefits your Pension Update will be available in June.

  • When will I be notified that my benefits are due for payment?

  • We will contact you a few months before your 60th or 65th birthday with your benefit options.

  • When will my deferred benefits be paid?

  • From age 55 you can choose to access your deferred benefits, but they will be reduced if you take them before normal pension age. From age 60, some or all of your benefits can be paid unreduced, if you have protection under The Rule of 85.

  • Will my benefits be reduced if I take them before normal pension age?

  • Yes, if you take your benefits before the normal pension date that applies for those benefits, they will be reduced. You can find a table showing reductions to pension and lump sum here

    Reductions may not apply if you have Rule of 85 protection and are 60 or over.


  • How do I calculate my pension benefits from age 55

  • You can access our Benefit Projector that allows you to estimate receiving your deferred benefits from age 55, by logging into your SPFOnline account.

    If you are already signed up for SPFOnline, you can gain access and use the Benefit Projector by;

    • Logging into your SPFOnline here
    • Click 'Benefit Projectors' under 'Your Benefits' column
    • Click on 'Deferred Pension Payment'
    • At 'Date of Retirement choose the date you are thinking of leaving, for example 19/08/2021, then 'Re-Calculate' at bottom of the section.  This will give your projected deferred pension for retiring.
    • 'Conversion Options'click on the line slider to show the effect of giving up some of your annual pension for additional lump sum

    If you are not already registered for SPFOnline all you have to do is click here and follow the 'sign up' instructions.

    You can also refer to our 'Brief Guide to the LGPS' 

  • I want to take my benefits between age 55 and 60. How do I inform Strathclyde Pension Fund Office?

  • Please send us an email 3 months prior to your intended retirement date to confirming the following information:

    • Your Name
    • National Insurance Number
    • Date of Birth
    • Date of Retirement
    • Current Home Address

  • Can I give up pension for lump sum?

  • Yes, you can elect to take up to 25% of your overall pension pot as a tax free lump sum.

  • Can I convert my lump sum to annual pension?

  • No, it is not possible to convert your automatic lump sum to pension.

  • What is my State Pension Age?

  • Who pays my state pension?

  • Details of your state pension can be found here

  • Are my Additional voluntary contributions (AVCs) shown on my statement?

  • No your deferred update does not show your Additional Voluntary Contributions (AVCs)

  • Are Pension debits deducted on my statement?

  • Pension debits are not shown in the yearly pension quoted on your statement. The current value of any debits is calculated in the Personal Details area of your statement.



  • What if I should die before receiving my deferred benefits?

  • Please click here for information.

  • I am medically unfit to work. Can I receive my benefits?

  • Your deferred benefits can be paid early if you become permanently unable to do the job in which you built up your deferred benefits. To apply, email us at confirming the following information:


    • Your name
    • National Insurance Number
    • Date of birth
    • Current home address


  • I have Re-joined the LGPS. How does this affect my deferred pension?

  • If you re-join the LGPS, it is important that you contact us and also the fund that you become an active member of. There are LGPS rules that we have to apply to your deferred benefits and if you do not provide us with any instructions, applying these rules may not be to your advantage. You can find more information on our website here.

  • Can I transfer my deferred benefits to another pension scheme?

  • Yes, to another registered pension scheme.

    However, if you want to transfer your benefits to an overseas scheme, you must emigrate permanently. More information about this is available from HMRC.

    A transfer out of the LGPS is a major financial decision It requires careful consideration and can only be done after taking advice. If you are considering this, please read our Freedom and Choice Q & A for LGPS members

    You also need to be aware of pension scams. More information here: