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.

To view information about your benefits Log into YOUR PENSION
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The following documents are available on request by contacting us:

  • Internal dispute resolution procedure
  • Scheme Booklet
  • Scheme Valuation
  • Statement of Investment Principles
  • Trust Deed and Rules

Update on selection process for Member Nominated Trustee Directors (MNTDs)

This is an important update for members of the schemes covered by Lloyds Banking Group Pensions Trustees Ltd (Your Tomorrow, Lloyds Bank Pension Scheme No 1, Lloyds Bank Pension Scheme No 2, HBOS Final Salary Pension Scheme, Scottish Widows Retirement Benefits Scheme).

MNTDs are appointed for a fixed period, and the Trustee Board asks for nominations before the end of an MNTD’s term of office.

The Trustee Board has decided to extend the term of office by six months for one MNTD, Shirley Marsh, until April 2022. This change of timetable takes account of the potential impact of the pandemic on nominations and selection, and means that the trustee will seek nominations for two MNTD positions at the same time.

We’ll contact active and pensioner members of the schemes in November 2021 to ask for nominations for two MNTD positions for terms commencing in April 2022.

The November communications will provide information about what the role involves and timescales for the selection process. We encourage anyone with an interest in this important and demanding role to consider applying.

These plans have been shared with Accord and Unite as part of our regular dialogue with the unions.

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