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I have recently changed jobs. My previous pension was with Scottish Widows and contributions were done through salary sacrifice. I now have a LGPS (Local Government Pension Scheme) pension and have the option to transfer my old pension into it. I haven't done so yet.

I have been contributing for about 3 months now and things are difficult financially and could use extra money. As I have not been with LGPS for 2 years, if I opt out, I can claim a contribution refund.

If I were to transfer my Sottish Widows pension into LGPS then claimed a refund, what would the refund consist of?

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