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1 DC - Lump sum optons R6.1 Uncrystallsed funds penson lump sum An uncrystallsed funds penson lump sum, known as a UFPLS (also called a FLUMP), s a way of takng your penson pot wthout takng money from a drawdown polcy (a type of retrement ncome polcy) or buyng an annuty. If the rules of your penson scheme allow t, you may be able to take your entre money purchase pot as an UFPLS n one go. Or, you may be able to take a seres of smaller UFPLSs, each of whch wll have a 25% tax-free element. A UFPLS can be pad from uncrystallsed money-purchase funds (meanng funds you have not taken anythng from yet) as a lump sum there s a 25% tax-free element and the rest s taxed at your margnal rate of ncome tax. You should thnk carefully before applyng to take your penson pot n ths way as t wll reduce the amount of tax-free savngs you can pay towards your penson n the future (the annual allowance). Please fll n all sectons of the form and return t to us, along wth your orgnal brth certfcate, by recorded delvery. If you choose to use the ed servce (see page 3), you do not need to send us your brth certfcate. Fll n ths form usng BLOCK CAPITALS and black nk. Mark all answers wth an X. Condtons for payment 1. The lump sum must be pad on or after 6 Aprl 2015 from uncrystallsed funds n a money-purchase arrangement. 2. You must have at least some of your lfetme allowance avalable, and f the UFPLS s pad to you before reachng age 75, the full amount of the payment must be covered. 3. You must be at least 55 (or protected penson age, f you have one under ths penson scheme) or meet the condtons to take benefts early under the ll-health rules. Members not elgble for ths opton You cannot use ths opton f you have enhanced or prmary protecton (protecton s granted by HM Revenue & Customs and means your penson benefts are protected from tax charges), together wth regstered tax-free cash of more than 375,000, mmedately before the lump sum s pad. You cannot use ths opton f you have a dsqualfyng penson credt ncluded n your penson benefts (that s, a penson credt because you dvorced that comes from prevously crystallsed funds). You also cannot use ths opton f you have a lfetme allowance enhancement factor on your penson benefts and the avalable lump sum would be less than 25% of the proposed amount of the UFPLS. You can have an enhancement factor f you have prmary protecton or, for example, f the funds came from: a penson share when you got dvorced; funds bult up durng a perod when you dd not lve n the UK; or a transfer-n from a recognsed overseas penson scheme. R6V1 Page 1 of 8

2 R6.1 DC - Lump sum optons Tax If you take the UFPLS before age 75, 25% of t s tax-free, and the rest (up to your avalable lfetme allowance) s taxed as penson ncome at your margnal rate of tax. If the UFPLS goes over your avalable lfetme allowance, the amount over the allowance s pad as a lfetme allowance excess lump sum and s taxed at 55%. If the UFPLS s pad on or after age 75, 25% wll be pad tax-free as long as you have enough lfetme allowance avalable to cover the full lump sum. If you do not have enough lfetme allowance left, only 25% of the avalable lfetme allowance s pad tax-free and the rest s taxed as penson ncome. It s mportant you return ths form wth your current P45 or you mght pay too much or too lttle tax. Beneft crystallsaton events (BCE) If a UFPLS s pad before age 75, t wll be tested aganst your remanng lfetme allowance (under BCE6). If t s pad after age 75, there s no BCE, because the test aganst your lfetme allowance wll have already been done at age 75 (under BCE5b). You wll get a BCE statement when you take a UFPLS. Reducton n your annual allowance The frst tme you use a flexble method to take your penson benefts, whch wll nclude takng a UFPLS, t wll trgger the money-purchase annual allowance of 10,000. You should consder ths carefully when decdng whether or not to take benefts as a UFPLS. From 6 Aprl 2015, a reduced money-purchase annual allowance (MPAA) of 10,000, for money-purchase penson contrbutons, apples to ndvduals who have accessed penson benefts from ths date n a flexble way. HM Revenue & Customs ntroduced the MPAA to make sure that you cannot clam further tax relef on any new contrbutons you make, havng just taken your penson benefts under the flexblty rules. Charges for ths opton If the rules of your scheme allow ths opton, you are allowed to use one UFPLS once a year free of charge. If you want to use a UFPLS opton more frequently than ths, you wll have to pay us an admnstraton charge of 420 (ncludng VAT) every tme you access your penson pot n ths way. Page 2 of 8 Uncrystallsed funds penson lump sum [R6.1] v1.1/11 January 2016

3 DC - Lump sum optons R6.1 Your detals Your detals Scheme name Membershp reference Frst names Surname Date of brth Home phone Moble phone Emal address Check my dentty usng ed? Lump-sum optons Yes No f you cross no, you must send ths form to us wth your orgnal brth certfcate. Contact us f you want more nformaton on ths servce. Mark one opton wth an X. Opton 1 Full fund release. Use all of your penson pot to receve a one-off lump sum. Ths opton wll leave no funds n ths penson and the whole amount wll be pad to you as a lump sum. Ths wll mean you have no clams to beneft left under ths penson scheme. Opton 2 - Partal fund release. Use some of your penson pot to provde a lump sum. Ths opton wll leave some of your funds retaned n the penson scheme. How much cash do you want to take under ths opton? Prevous UFPLS payments Have you taken a UFPLS payment from ths penson scheme before?. No go to next queston. Yes on what date was ths pad to you? Penson credts or attachment orders Is ths penson covered by any dvorce or court orders such as penson credts or attachement orders? No Yes Uncrystallsed funds penson lump sum [R6.1] v1.1/11 January 2016 Page 3 of 8

4 R6.1 DC - Lump sum optons Your detals Please confrm the account detals of where you want to have your lump sum pad to. Ths must be an account of whch you are ether the only or a jont account holder. Please supply your P45 (parts 2 and 3) for ths tax year, f ths apples. Wthout ths, we wll use a temporary tax code for your payment. We wll not return the P45 to you. If you do not supply a P45 and end up payng too much or too lttle tax, you wll need to make arrangements to settle ths wth HM Revenue & Customs drectly. We wll provde you wth a further P45, relatng to ths payment, for that purpose. We wll not deal wth any personal tax matter on your behalf. Bank account detals for lump-sum payment Name of bank or buldng socety Address of your bank or buldng socety Postcode Sort code Account number Account holders names Buldng socety roll number Lfetme allowance queston 1 Protecton When the lfetme allowance was ntroduced n 2006 (and snce then, when t has been reduced followng penson reforms), those wth benefts valued over the lfetme allowance have been able to apply for protecton to protect the value of benefts they have bult up (and future benefts that may buld up) from tax charges. Have you appled for and been granted protecton on your penson savngs by HMRC? If you answer no, go to the next secton. What type of protecton have you been granted? No go to queston 2. Yes Prmary Enhanced Fxed Indvdual On what date (dd/mm/yyyy) was protecton granted? What s the amount of protecton granted? If you have been granted protecton, you must return ths form along wth your letter of confrmaton from HMRC. We wll only apply protecton when we receve ths letter. Page 4 of 8 Uncrystallsed funds penson lump sum [R6.1] v1.1/11 January 2016

5 DC - Lump sum optons R6.1 About your other pensons When answerng these questons gnore any state and dependants pensons as these do not count towards your lfetme allowance. Lfetme allowance queston 2 other benefts Have you got any other pensons? You should answer no f you have already transferred all your other pensons nto ths scheme. No go to Your declaraton (page 5). Yes go to queston 3. Lfetme allowance queston 3 pensons beng pad before 6 Aprl 2006 Are you recevng any penson benefts (ncludng lump sums) that came nto payment before 6 Aprl 2006? No go to queston 4. Yes confrm below the current yearly total amount of penson you receve from all sources added together (before takng off tax). a year If you are recevng a penson from more than one scheme, please show each one separately below. Scheme or polcy name Date of next ncrease Gross penson a year Lfetme allowance queston 4 pensons beng pad after 6 Aprl 2006 Are you recevng any penson benefts (ncludng lump sums) that came nto payment after 5 Aprl 2006 but before the BCE (retrement, transfer or lump-sum payment) from ths scheme? No go to queston 5. Yes you should have been gven a statement from your other penson schemes tellng you how much of your lfetme allowance you have already used up. You should send back the statement or copes wth ths form. You should answer no f you have already transferred all your other pensons nto ths scheme. Confrm the total percentage of lfetme allowance used from your other penson schemes n the box below. % Uncrystallsed funds penson lump sum [R6.1] v1.1/11 January 2016 Page 5 of 8

6 R6.1 DC - Lump sum optons Other pensons If you do not know how much lfetme allowance has been used up by your other pensons then you should contact the provders drectly to get confrmaton of ths. Ths nformaton must be shown on any retrement or transfer paperwork sent to you so you should also check your own fles for confrmaton of these amounts. Gvng false or naccurate nformaton could result n a tax charge or lead to prosecuton so check ths nformaton carefully before completng the followng secton. Lfetme allowance queston 5 pensons that are due to be pad to you Do you have any other pensons benefts that wll be pad before or on the same date as your penson s pad or transferred from ths scheme? No go to queston 6. Yes you need to confrm the order n whch you wll take benefts from each scheme. Ths s partcularly mportant f you are lkely to go over your lfetme allowance. The order n whch you take benefts wll decde whch schemes wll be responsble for payng any tax due. Scheme or polcy name Date t wll be taken Order taken (1st/2nd/3rd) Lfetme allowance queston 6 overseas (non-uk) transfers Have you prevously transferred any pensons out of the UK? We do not need to know about any transfers to other UK penson schemes. No go to Your declaraton (page 7). Yes you need to provde detals of the amount of lfetme allowance used up by these transfers. Scheme or polcy name Date of transfer Amount of lfetme allowance used % % % % Page 6 of 8 Uncrystallsed funds penson lump sum [R6.1] v1.1/11 January 2016

7 DC - Lump sum optons R6.1 Declaraton Remember that t s a serous offence to make false statements. The penaltes are severe and could lead to prosecuton. Your declaraton I want to apply to receve an uncrystallsed funds penson lump sum and agree that ths applcaton and my quote wll form the bass of the amounts to be pad to me. I alone wll be responsble for any extra tax charges or any penaltes whch arse f the nformaton n ths applcaton s not correct or f I have faled to keep to any condton n ths applcaton. I also promse to accept responsblty for any clams, losses and expenses that you or the trustees may suffer as a result of any ncorrect nformaton I have provded, or f I fal to keep to any condton n ths applcaton. I do not plan to make (ether drectly, ndrectly or by someone makng contrbutons on my behalf) a sgnfcant ncrease n my total expected contrbutons to regstered penson schemes. A sgnfcant ncrease s where: the total tax-free cash sum you receve n the 12-month perod endng on the day the tax-free cash sum from ths scheme s pad s more than 1% of the standard lfetme allowance; and you use more than 30% of those tax-free cash amounts to make contrbutons (ether drectly, ndrectly or by someone makng contrbutons on your behalf, such as your employer) to one or more regstered penson schemes over and above the expected level of contrbutons. Ths ncludes any contrbutons you may have made expectng to receve the tax-free cash sum. Lfetme allowance If I have not already suppled enough nformaton relatng to my lfetme allowance, I confrm that the value of all the pensons and tax-free cash I have already taken combned wth the benefts I am takng now s below the current standard lfetme allowance. If t s not, or I have a certfcate of prmary, enhanced or fxed protecton, I understand that t s my responsblty to gve you the nformaton you need to work out my poston. Annual allowance I understand that by takng an uncrystallsed funds penson lump sum the money-purchase annual allowance (MPAA) wll apply to all future penson contrbutons I make to a defned-contrbuton (money purchase) penson scheme. Sgnature (the scheme member) X Date Uncrystallsed funds penson lump sum [R6.1] v1.1/11 January 2016 Page 7 of 8

8 R6.1 DC - Lump sum optons Returnng your form Before you send your form to us, please make sure you complete all of the followng steps. Fll n all sectons of the form, double-checkng mportant numbers and references such as your bank account number. Sgn the form, confrmng that you accept the quotaton. Enclose your latest P45, f you have one avalable. Enclose your orgnal brth certfcate or agree to have your dentty checked usng the electronc ID servce (page 2). eid s only avalable to people who lve n the UK. Check wth your other penson provders the amount of lfetme allowance (LTA) you have already used up and provde ths nformaton on page 5. Or, enclose ther statements that confrm the LTA fgures they have prevously gven you. Post your form to us at the followng address. If you are sendng us orgnal certfcates, we recommend you send them to us by recorded delvery. Premer PO Box 108 BLYTH NE24 9DY Processng your applcaton It wll take about two weeks to process your optons form. We wll wrte to you once your penson has been set up. If you are not able to provde your orgnal brth certfcate, we wll accept your orgnal, current, vald passport or photo drvng lcence nstead. Or, you can use the eid servce. We do not accept copes or certfed copes of certfcates. If you have any questons about ths form, or need help fllng t n, please contact us. Phone: Emal: admn@premercompanes.co.uk Uncrystallsed funds penson lump sum [R6.1] v1.1/11 January 2016

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