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> > GMPE and Lloyds 3: Why It’s Time For Pension Schemes To End This Saga
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GMPE and Lloyds 3: why it’s time for pension schemes to end this saga

John Wilson
John Wilson, Head of Pensions Technical, Aptia
Oct 29, 2025
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Podcast 4

It’s now seven years since the High Court ruled in favour of Guaranteed Minimum Pension equalisation (GMPE) and almost five years since the Lloyds 3 judgment tied up loose ends.

Yet many pension schemes have made little or no progress on this important work. In this edition of the pod, John Wilson talks to Terry Wharton, our Head of Projects, about why it’s time to draw a line under the GMPE saga – including Lloyds 3.

Presenter: John Wilson, Head of Pensions Technical, Aptia

Guest: Terry Wharton, Head of Projects, Aptia

You can listen to the podcast here – and don’t forget to subscribe so you don’t miss the next episode!

 

 

Show notes

Heed the Pensions Ombudsman: no more delays on GMPE and Lloyds 3  

It’s time to complete Lloyds 3 – and end pension schemes’ GMPE saga

The content provided in our publications, including articles on our website and podcasts, is intended solely for informational purposes. It should not be construed as professional advice and should not be relied upon for any purpose. We strongly recommend seeking appropriate professional advice tailored to your specific circumstances before making any decisions based on this information

Last updated: Jul 25, 2026
John Wilson
John Wilson
Head of Pensions Technical, Aptia
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John is Aptia’s Head of Pensions Technical and has worked in pensions for almost 40 years. John chairs the Scottish groups of the Society of Pension Professionals and Pensions Management Institute and is a member of the SPP’s Legislation Committee.

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