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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Pensions talk

Moving roles within the Group Colleagues considering a change in employer should be aware that this may have an impact on pension scheme membership. >
Auto enrolment Under auto enrolment legislation, the Group must enrol all eligible jobholders into a workplace pension scheme. >
Online security You may be aware that organisations and individuals are increasingly being targeted by cyber criminals. >
Pension scams The Pensions Regulator, Financial Conduct Authority (FCA) and HM Revenue & Customs (HMRC) are warning against pension offers that claim to be able to provide loans or release tax free cash from your pension fund before you reach age 55. >
Contracting out Following the changes to the State Pension from 6 April 2016, the Group's Defined Benefit (DB) pension schemes are no longer contracted out of the State Second Pension (S2P). >