If you leave before you retire
A refund is simply where we pay you back the money you have paid in (but not your employer). It is normally only open to you if you have been a member for less than two years, you are under 65, and you haven’t brought in a transfer in the past.
What you will get back
You will get back your own contributions, less any tax relief you have had. And if any of the refund covers a period before 1 April 2016, there will be a National Insurance deduction too, to put you back into the State additional pension - just for that period.
The earliest we can pay your refund is a month and two days after you leave. If we pay it more than 12 months after you leave, we will add interest to cover the period from the date you left.
Please note: if you join any fund in the LGPS before we have paid the refund, we will have to cancel it, and link it to the new one instead.