P60 & Useful Information
Changes to Pensions Increase 2025
The Annual Pensions Increase award for 2025 is 1.7%. The increase to your pension is payable from the 7 April 2025 which means your April payment is made up of 6 days at the old rate and 24 days at the new rate. If your pension started on or after 23 April 2024 you are not entitled to receive the full increase of 1.7% as your pension has not been in payment for a full year. Please see the table below for details of the increases that will be applied in this instance:
| Pension beginning on or after | Amount of Increase | Pension beginning on or after | Amount of Increase |
|---|---|---|---|
| 23 April 2024 | 1.56% | 23 October 2024 | 0.71% |
| 23 May 2024 | 1.42% | 23 November 2024 | 0.57% |
| 23 June 2024 | 1.28% | 23 December 2024 | 0.43% |
| 23 July 2024 | 1.13% | 23 January 2025 | 0.28% |
| 23 August 2024 | 0.99% | 23 February 2025 | 0.14% |
| 23 September 2024 | 0.85% | 23 March 2025 | 0.00% |
The amount of your pension increase is set by HM Treasury under the Pension (Increase) Act 1971.
The state pension will rise by 4.1% from April 2025.
The Government confirmed in last November’s Autumn Statement that the State Pension will rise from April 2025 by 4.1%. This rise is in line with the Government’s ‘triple lock’, which guarantees that the increase payable from April will be the highest of three measures - the September 2024 CPI inflation measure, average earnings growth between May and July 2024 (including bonuses), or 2.5%.
As average wage growth was the highest of the three measurers the State Pension will increase by 4.1% from April 2025.
Pension Pay Advice and P60 Online
As you have signed up to ERPFMSS all your future monthly pension pay advices and annual P60s will be available online to view, download and print. You will also be able to see a number of historic ones too.
Protecting Your Money
The East Riding Pension Fund (ERPF) has a ‘duty of care’ to protect your money and guard against fraud. It is also an audit requirement that from time to time we need to check that you are receiving the pension you are entitled to. The ERPF carries out a number of initiatives in order to protect your money. Firstly, under the National Fraud Initiative, public agencies and local authorities ‘share and compare’ the information they hold about us. When information does not tie up, it’s investigated, often by the police. We take part in this initiative which is normally run every two years. Secondly, the ERPF will shortly be working with a third party to carry out monthly mortality checks therefore reducing potential overpayments. Finally, the ERPF may also issue you with a life certificate. These certificates are used to confirm you are still entitled to your pension.
Tell Us Once Service
From time to time your data will be shared with the Department for Work and Pensions (DWP) because the ERPF has joined the Tell Us Once service. The Tell Us Once service makes sure that the ERPF is informed when a death is registered for a member of the pension fund, therefore allowing us to update and process the necessary calculations more efficiently. The data will be shared on this database for as long as the relevant regulatory requirements remain and the ERPF takes part in the Tell Us Once service. You are unable to opt out of this data sharing as it is partly to comply with a legal requirement, however the data is processed in accordance with the Data Protection Act 2018, the General Data Protection Regulations and other relevant legislation.
General Data Protection Regulations (GDPR)
ERPF is responsible for the administration of the Local Government Pension Scheme. The service is carried out by East Riding of Yorkshire Council as the administering authority on behalf of qualifying employers and the Scheme members. ERPF holds information about individuals so that it can provide the services to members and other stakeholders. It uses this information to fulfil its legal obligation and statutory duty under a number of regulations including the Local Government Pension Scheme (LGPS) Regulations 2013. You have a number of rights in respect of your personal data. More information about how the Fund uses data and your rights can be found at: www.eastriding.gov.uk/privacynotice If you have a concern about the way we are collecting or using your personal data we request that you raise your concern with the Fund in the first instance. Please contact erpf@eastriding.gov.uk
Moving House/Change of Bank Account
If you move house or change your bank account, then you can update these immediately via your ERPSMSS account. Whilst these details are updated immediately, please note that the monthly payroll is signed off around the 20th of each month and therefore for any update to be recognised it must be done before sign off not the end of the month.
Your Pension Paydays
2025-2026
| Month | Pay Date | Month | Pay Date |
|---|---|---|---|
| April 2025 | Wednesday, 30 April | October 2025 | Friday, 31 October |
| May 2025 | Friday, 30 May | November 2025 | Friday, 28 November |
| June 2025 | Monday, 30 June | December 2025 | Wednesday, 31 December |
| July 2025 | Thursday, 31 July | January 2025 | Friday, 30 January |
| August 2025 | Friday, 29 August | February 2025 | Friday, 27 February |
| September 2025 | Tuesday, 30 September | March 2025 | Tuesday, 31 March |
Pension Increase 2023 Q&A
Why isn’t the full pension increase paid in April?
A. The pension increase is payable from the first Monday following the beginning of the new tax year. This year the pension increase is payable from 7 April 2025. Therefore, up to 6 April 2025 your pension is payable at the old rate.
I worked out 1.7% increase on my pension, but I have not received as much as the amount I calculated. Why would that be?
It could be that you have not been in receipt of a pension for a full year and so will receive a proportionate amount, or that part of your pension includes a Guaranteed Minimum Pension. The pension increase is paid differently in these circumstances. Read more FAQs below for a further explanation.
What is a Guaranteed Minimum Pension (GMP)?
The LGPS was contracted out of the State Earnings Related Pension Scheme (SERPS). If you paid in to the LGPS between 6 April 1978 and 5 April 1997, you may have a GMP. A GMP is split into two parts, the first covering 6 April 1978 to 5 April 1988 and the second part covering 6 April 1988 to 5 April 1997. GMPs no longer accrued from 6 April 1997. A GMP is based on the state entitlement you would have earned if you were in SERPS at the time. We check that the amount of pension we pay you is equal to or more than the amount of your GMP. In most cases your LGPS pension is higher than your GMP. The GMP is paid as part of your local Government pension, not in addition.
How do I know if I am entitled to a GMP?
The Department for Work and Pensions (DWP) notifies you if you are entitled to a GMP and refer to the GMP as the Contracted Out Pension Equivalent (COPE) in any correspondence to you.
How is pension increase calculated on my pension?
We calculate pension increase on your annual pension at the end of March 2025 less any GMP amount if applicable. Please note that responsibility for payment of the pension increases on the GMP, is shared between East Riding Pension Fund and the DWP depending on the date you reach State Pension Age (SPA).
How are payments of the pension increases on my GMP shared?
If your SPA is after 5 April 2016 we pay the full increase on both parts of the GMP with your local Government pension. If your SPA is before 6 April 2016 the DWP pay the full increase, no matter what the percentage is, on the GMP up to 5 April 1988 with your State Pension. For the GMP accrued between 6 April 1988 and 5 April 1997, we pay the first 3% increase and the DWP pay any increase above 3% with your State Pension. This year, as inflation is 1.7%, you will receive the full increase on the post-1988 element of the GMP paid with your local Government pension.
I am under age 55, why hasn’t my pension increased?
If you are aged under 55 and retired on the grounds of ill health, or your deferred pension was brought into payment because you are permanently unable to undertake any regular full-time employment, you will receive an increase to your pension in April as described on page 1. However, if your deferred pension was brought into payment early because of ill health, but you are not permanently unable to undertake any regular full-time employment, your pension will not be increased until you reach age 55.
What pension benefits are payable to my family and loved ones when I die?
A survivor’s pension may be payable to any spouse, civil partner or, if you were in the scheme after 1 April 2008, an eligible cohabiting partner. The amounts payable depend on your dates of membership. Children’s pensions are payable to children who meet the eligibility criteria. If you’re aged under 75 and have had your pension in payment for less than 10 years, there may also be a death grant payable when you die. This is separate to any survivor’s pensions payable. More information can be found on our website. If you received a share of your ex-spouse’s pension following a divorce, you are a pension credit member and there are no death benefits payable.
THE MCCLOUD REMEDY IN THE LGPS
When the Government reformed public service pension schemes in 2014 and 2015, older members were protected
from the changes. In December 2018, the UK Courts ruled that younger members of the Judges’ and Firefighters’
pension schemes had been discriminated against because the protections did not apply to them. This ruling is called
the McCloud judgment after a member of the Judges’ pension scheme involved in the case. The rules of all public
service pension schemes, including the LGPS, changed from 1 October 2023 because of the ruling. The changes are
known as the McCloud remedy and they remove the age discrimination found in the McCloud judgment. Prior to the
remedy, older members were protected by the underpin. When a protected member retired, their pension in the career
average scheme was compared with the pension they would have built up in the final salary scheme. If the final salary
pension would have been higher, their pension was increased by this final salary underpin amount. From 1 October
2023, eligible younger members are also protected by the underpin. Not all LGPS members are eligible for protection.
The underpin will protect the pensions of eligible members that were built up in the remedy period. The remedy period
is from 1 April 2014 to 31 March 2022. Underpin protection stopped earlier if you left the LGPS or reached age 65
before 31 March 2022.
If you are protected and your LGPS pension is already being paid to you, we will work out if your pension will increase.
You do not need to do anything. We will do this as soon as we can, but reviewing all pensions in payment will take
some time so we politely ask that you do not chase this. Please be assured that we will contact anyone whose pension
will increase because of the McCloud remedy. We will only write to you if the new rules mean that your pension will
increase, and we will pay any arrears due.
For more information about the McCloud remedy and whether you may be affected, visit the McCloud section of the
LGPS member website: lgpsmember.org/McCloud-remedy.