Employees working at least 1,000 hours annually are automatically enrolled in the North Carolina LGERS defined benefit pension plan. Employees contribute 6% of gross wages (pre-tax). 

After 5 years of creditable service, you are vested and eligible for lifetime monthly payments based on your salary and service at retirement.

Helpful Documents:

• LGERS Member Handbook
• LGERS LEO Handbook 

If you’re planning to retire within the next 6–12 months, now is the time to start preparing. Review your service credit, check your benefit estimate, and complete necessary forms to ensure a smooth transition.

Helpful Tools:

• MyNCRetirement.com – View service credit, update beneficiaries, estimate retirement benefits

Scotland County offers two powerful ways to save more for retirement: the NC 401(k) and NC 457(b) Plans. These are optional, tax-advantaged savings plans administered by Empower Retirement.

Both plans accept pre-tax and Roth (after-tax) contributions and offer a wide range of investment options. Plans are fully portable upon separation.

Enroll & Explore Resources:

• Enroll via NC Plans Portal: Don't forget the 401k and 457 enrollment codes!
  • NC 401k Quick Enrollment Form
  • NC 457 Quick Enrollment Form
• NC 401(k) Plan Brochure (PDF)
• NC 457(b) Plan Brochure (PDF)
• Plan Comparison Guide
• NC Plans GoalMaker Flyer