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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Temporary absence

Maternity and family leave

Your membership of the Scheme will continue while you're on shared parental leave.

Career break

While you're on a career break you'll stop being an active member of the Scheme, so your life cover will cease. You can't join another pension scheme or transfer your benefits to a new arrangement during this time. After you return to work, your membership will restart and your two periods of pensionable service will be joined together when calculating your benefits.

The Career Break Policy on Interchange has more information.

Illness

If you're ill and have to take time off work, you'll remain an active member of the Scheme and continue to build up pensionable service. However, different provisions may apply if you're absent for a long period.