CHOOSE YOUR SCHEME

Welcome to the new look website, for members of a Lloyds Banking Group pension scheme.

If you joined the Group after 1 July 2010, you'll be a member of Your Tomorrow.

NOT YET A MEMBER?

If you’re an employee of Lloyds Banking Group and not a member of one of our pension schemes, it’s not too late to join, as long as you’re eligible.

IF YOU JOINED THE GROUP ON OR AFTER 1 JULY 2010

You’ll be automatically enrolled in Your Tomorrow on the day you join the Group. If you’re not yet a member, see joining.

IF YOU JOINED THE GROUP BEFORE 1 JULY 2010

HBOS colleaguesIf you were previously a member of the HBOS Group Money Purchase Scheme, or had the right to join, you became eligible to join Your Tomorrow from 1 February 2011.

Lloyds Bank colleaguesIf you were previously a member of a Lloyds Bank Pension Investment Plan (PIP), or had the right to join, you became eligible to join Your Tomorrow from: 1 August 2011 for non-Asset Finance and non-Commercial Finance colleagues 1 September 2011 for Asset Finance and Commercial Finance colleagues go to joining to find out more.

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Welcome

Welcome to the Lloyds Banking Group pensions website. Here you can find all the information you need about your pension scheme.

You can quickly access the information you want by clicking on the icons below.

Joining
X
Promotion
X Promotion A promotion is a great time to review your finances. As your income increases, you may want to think about increasing your contributions to the Scheme. Read More Nomination form
Investment options
X Investment options When you're a long way from retirement, you may want to invest in riskier funds which have the potential to provide higher returns. Find out more about the strategies and funds available in investments. Investment options form
Absence
X Absence If you're going on a period of extended leave, it's important to know whether you'll be able to stay in the Scheme and keep paying contributions. You can find the rules for your Scheme on the temporary absence page.
Moving house
X Moving house If you're moving in with someone new, did you know that they might be eligible to receive certain benefits in the event of your death? Take a look at your Scheme's criteria to find out more. Read More
Marriage
X Marriage Did you know that if you get married, the death benefit nominations you've made will automatically be invalidated? So once you're back from your honeymoon, as well as changing your name you'll need to send us an updated nomination form. Nomination form
Change contributions
X Change contributions As long as you're an active member of the Scheme, you can start making or change your additional contributions whenever you like. The retirement lifestyle planner can help you think about how much you'll need in retirement and whether your pension savings are on track. Contribution change form
Illness
X Illness If you have to leave Lloyds Banking Group because of ill-health, you might have the option to take ill-health retirement from the Scheme. This will depend on how long you've been a member of the Scheme and the severity of your health problem. Retirement benefits will give you more information on your Scheme rules. Ill health form
Divorce
X Divorce Going through a divorce can be a very difficult time but it's important not to forget about your pension. Did you know that by law, pension benefits must be taken into account when joint assets are calculated? Your Scheme administrator can give you any information you need, and you can update any personal information through Interchange. You'll also need to update the nominations you've made for your life cover. Read More
Leaving
X Leaving If you decide to leave your Scheme or Lloyds Banking Group, in most cases you'll have a few options, including leaving your pension savings in the Scheme until you retire. Read More
Death in service
X Death in service There will be benefits payable should you die before retirement. These benefits vary from scheme to scheme, death benefits gives you more information. The Trustee decides who to pay these benefits to based on your nominations, so it's important to make sure that your nominations are kept up to date. Nomination form
Promotion
A promotion is a great time to review your finances. As your income increases, you may want to think about increasing your contributions to the Scheme. Read More Nomination form
Investment options
When you're a long way from retirement, you may want to invest in riskier funds which have the potential to provide higher returns. Find out more about the strategies and funds available in investments. Investment options form
Absence
If you're going on a period of extended leave, it's important to know whether you'll be able to stay in the Scheme and keep paying contributions. You can find the rules for your Scheme on the temporary absence page.
Moving house
If you're moving in with someone new, did you know that they might be eligible to receive certain benefits in the event of your death? Take a look at your Scheme's criteria to find out more. Read More
Marriage
Did you know that if you get married, the death benefit nominations you've made will automatically be invalidated? So once you're back from your honeymoon, as well as changing your name you'll need to send us an updated nomination form. Nomination form
Change contributions
As long as you're an active member of the Scheme, you can start making or change your additional contributions whenever you like. The retirement lifestyle planner can help you think about how much you'll need in retirement and whether your pension savings are on track. Contribution change form
Illness
If you have to leave Lloyds Banking Group because of ill-health, you might have the option to take ill-health retirement from the Scheme. This will depend on how long you've been a member of the Scheme and the severity of your health problem. Retirement benefits will give you more information on your Scheme rules. Ill health form
Divorce
Going through a divorce can be a very difficult time but it's important not to forget about your pension. Did you know that by law, pension benefits must be taken into account when joint assets are calculated? Your Scheme administrator can give you any information you need, and you can update any personal information through Interchange. You'll also need to update the nominations you've made for your life cover. Read More
Leaving
If you decide to leave your Scheme or Lloyds Banking Group, in most cases you'll have a few options, including leaving your pension savings in the Scheme until you retire. Read More
Death in service
There will be benefits payable should you die before retirement. These benefits vary from scheme to scheme, death benefits gives you more information. The Trustee decides who to pay these benefits to based on your nominations, so it's important to make sure that your nominations are kept up to date. Nomination form
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