Your Scheme Booklet Addendum

Size: px
Start display at page:

Download "Your Scheme Booklet Addendum"

Transcription

1 University of Stirling Pension Scheme Your Scheme Booklet Addendum

2 Your Scheme Booklet Addendum This Addendum amends the November 2004 A member s guide to benefits. With the exception of points 31 and 32 on page 7, all references in the booklet to the Director of Finance and the Finance Office should be replaced by Human Resources Services. The reference in factsheet 8 to Personnel Office should be replaced by Human Resources Services. In addition, there are a number of changes to your Scheme including those relating to recent legislation as follows: 1. The words Department of Social Security in the definition of Basic State Pension in Section 2 Glossary of terms are deleted and replaced by the words Department for Work and Pensions. 2. The final paragraph in the definition of Child in Section 2 Glossary of terms is deleted and replaced by: A person will qualify as a Child until they are aged 18, or during any period after attaining age 18 and prior to reaching age 23 during which they are in receipt of full-time education or vocational training unless given in the course of employment. 3. The following definition of Civil Partner is added after the definition of Child in Section 2 Glossary of terms: Civil Partner Your registered Civil Partner as defined in the Civil Partnership Act All references to spouse will include references to a Civil Partner. 4. The following paragraph is added after the definition of Dependant(s) in Section 2 Glossary of terms: Any payment to Dependants will be checked when the payment is first due and from time to time to ensure that no unauthorised payment is made in terms of the Finance Act The following definition of Eligible Employee is added after the definition of Dependant(s) in Section 2 Glossary of terms: Eligible Employee Any employee whose contract of employment allows him to join the Scheme and who has attained the age of 18, but has not attained the age of 64 or such other upper entry age as may be specified in that contract; who has been in continuous Service with an employer for 3 months; and whose admission to the Scheme would not affect Registration of the Scheme under the Finance Act The following paragraph is added after the definition of Final Pensionable Salary in Section 2 Glossary of terms: Where Pensionable Service commenced for a second or further and separate period under Section 10 Security when you retire, Final Pensionable Salary in respect of such second or further and separate period of Pensionable Service will (with the agreement of the Trustees and the University) be calculated on the basis of replacing the words your Normal Retirement Date (or date of leaving) and you retire or leave, if earlier in the paragraph above with the words you cease to be in Pensionable Service where the relevant period of Pensionable Service relates only to such second or further and separate period of Pensionable Service. 1

3 7. The definition of Permanent Employee in Section 2 Glossary of terms is deleted and all references to Permanent Employee will be deemed to be references to Eligible Employee. 8. The definition of Total Annual Earnings in Section 2 Glossary of terms is deleted and replaced by: Total Annual Earnings Earnings including bonuses and benefits as reported annually to HM Revenue and Customs (HMRC). Before 6 April 2006 HMRC imposed an upper limit on pay and contributions. The Trustees and the Principal Employer have decided to retain this limit for the purposes of the Scheme. In the unlikely event that your earnings exceed this limit, your benefits would be restricted. We will advise you if this is necessary in your case. 9. The final paragraph of Section 5 Tax advantages is deleted and replaced by: The Scheme is a registered scheme under the Finance Act 2004 and consequently has all of the tax advantages of a registered scheme. 10. Eligibility in Section 6 Joining the Scheme is deleted and replaced by: Eligibility You can join if you are an Eligible Employee. If you meet theses requirements you can join immediately by completing an application form and returning it to Human Resources Services at the address shown on page 3. If you decide not to join the Scheme you will not be covered for any of the benefits described in this booklet and the University will not contribute to any other pension scheme for you. Factsheet 2 explains all of your pension options in greater detail. 11. Additional Voluntary Contributions in Section 7 Contributing to the Scheme is deleted and replaced by: Additional Voluntary Contributions Many people prefer to contribute more than the normal contribution rate to boost their income in retirement. If you are unlikely to achieve 40 years Pensionable Service, you may wish to consider adding to your pension. This is possible by paying Additional Voluntary Contributions (AVCs). The maximum contribution you may pay is 20% of your Pensionable Salary. Since your normal contribution rate is 5% of Pensionable Salary the most you are able to pay as AVCs is 15% of your Pensionable Salary in any tax year. This figure will change in line with any changes in the normal contribution rate. AVCs are also tax free so the net cost to you is less than the amount you pay, for example: Salary 10, AVC contribution 3% Contribution Less tax Net AVC contribution Net contribution rate 2.4% The Trustees have arranged for AVCs to be paid into an account for you with a leading AVC provider. Your contributions can either be a fixed monetary amount per month or a percentage of your basic salary. You may choose between a With-Profits Fund and a Managed Fund. Details of these funds are outlined in Factsheet 8 and are available from Human Resources Services, where you can also obtain an AVC leaflet and an application form. If you need further advice you should speak to an independent financial adviser. 2

4 12. The following paragraph is inserted after the second paragraph of the third bullet point in section 8 Cover during your working career: If you have taken a pension and continued to accrue further benefits the Trustees will, as advised by the Actuary, reduce your spouse s (or Dependant s) pension payable to reflect any post-death payments deriving from the pension taken. 13. The following paragraph is inserted after the second paragraph of the fourth bullet point in section 8 Cover during your working career: If you have taken a pension and continued to accrue further benefits the Trustees will, as advised by the Actuary, reduce your Child s pension payable to reflect any post-death payments deriving from the pension taken. 14. The first paragraph of the section headed Pension increases under section 8 Cover during your working career is deleted and replaced by: Once in payment, pensions will increase annually on 1 April. Pensions earned under the Scheme after 5 April 1997 and up to 31 December 2005 will increase in payment in line with the Retail Prices Index (RPI) up to 5% a year. Pensions earned under the Scheme on and after 1 January 2006 will increase in payment in line with the RPI up to 2.5% a year. 15. The following paragraph is inserted at the beginning of Section 10 Security when you retire: You do not have to leave the University to receive a pension. Your Normal Retirement Date under the Scheme will still be age 65 but you may apply to receive your pension from age 55 (or age 50 before 6 April 2010). Benefits have to come into payment before age 75. If your pension starts and you remain in employment benefits will continue to accrue under the Scheme in respect of you if you decide to continue contributions. The additional benefits accrued during the period covered by the range of retirement ages will be earned on the basis of additional Pensionable Service. 16. The section headed Tax-free Cash Sum in Section 10 Security when you retire is deleted and replaced by: Tax-free Cash Sum If you have not made any AVCs your cash sum is equivalent to three times your Normal Retirement Pension and is calculated as follows: Pensionable Service 25 yrs x Annual Rate 3/80 x Final Pensionable Salary 12, = Tax-free Cash Sum 11, If you have made AVCs the maximum cash sum you may take is equal to 25% of the value of your retirement benefits using a statutory conversion rate. Details of your estimated Tax-free Cash Sum at Normal Retirement Date, based on your current Pensionable Service and Pensionable Salary, are shown on your annual benefit statement. 3

5 17. The following words are added after the words the age of 50 in Section 12 Early retirement: (55, on and after 6 April 2010). 18. Section 13 Late retirement is deleted and replaced by: If you continue working after your Normal Retirement Date and you do not opt to continue in Pensionable Service as described in section 10 Security when you retire, your contributions will stop and you will receive your pension when you retire (but not later than your 75th birthday). When you eventually retire, the pension which you earned up to Normal Retirement Date will be increased to allow for the later payment. The rate of increase will be recommended by the Actuary and agreed by the Trustees and the University. You might be allowed to take your benefits before you actually retire. Please note that you will cease to be covered for the life assurance benefits described in Section 8 Cover during your working career, once you cease to be in Pensionable Service. If you die while still employed by the University after Normal Retirement Date and not in Pensionable Service, your benefits will be calculated as if your pension had started on the date you died (if it has not already started). 19. The first paragraph of the section Ill-health pension in Section 14 Retirement on grounds of permanent ill health is deleted and replaced by: If the Trustees have received evidence from a registered medical practitioner that you are (and will continue to be) incapable of carrying on your current occupation because of injury, sickness, disease or disability and you have ceased to carry on that occupation, the Trustees and the University may allow you to retire early due to ill-health. Your retirement pension will be calculated using your Final Pensionable Salary at the date you retire and your Pensionable Service. 20. The words Pensionable Salary in the first paragraph of Children s Pensions in Section 15 Death after retirement are deleted and replaced by the words Final Pensionable Salary. 21. The section headed Five year guarantee in section 15 Death after retirement is deleted and replaced by: Five year guarantee If your death is within the first five years of taking pension there will be payable at the discretion of the Trustees to your surviving spouse or Dependants either of the following benefits: (a) a lump sum in respect of the remaining pension payments you would have received over the five year period following the start of the initial pension, reduced for immediate payment, and if you have accrued further benefits under a separate period of Pensionable Service, having already taken a pension, a lump sum in respect of the remaining pension payments you would have received over the five year period following the start of the pension relating to the separate period of Pensionable Service reduced for immediate payment, or (b) a pension, at the discretion of the Trustees, in favour of your surviving spouse or Dependants, equal in amount to the pension that would have continued to be paid to you to the end of the five year period following the start of the relevant pension to you. 4

6 22. The following sentence is to be added after the first bullet point under the heading Less than two years membership in section 16 Leaving the Scheme There will also be a reduction made from your contribution refund to re-instate you into the State Second Pension (S2P) for the period when both you and the University paid reduced rate National Insurance Contributions as a result of you being contracted out of S2P. The following paragraph is added after the second bullet point under the heading Less than two years membership in section 16 Leaving the Scheme: If you have been a member for at least 3 months, you will have the option of taking a short service transfer payment equal to the value of your benefits which could have been preserved in the Scheme if you had been entitled to keep a Deferred Pension under the Scheme at the date you left. Your options will be advised to you within 3 months of leaving the Scheme. You will then have a further 3 months to choose whether to take a transfer payment or a refund of your contributions. If you have not made a decision by the end of the 3 month period, the Trustees will automatically refund your contributions. 23. The words for pensions earned before 6 April 2009 and by 2.5% or the rise in the Retail Prices Index for pensions earned on and after 6 April 2009 if less are added after the words by 5% or the rise in the Retail Prices Index if less in the paragraph after the example in the section headed Deferred Pension in section 16 Leaving the Scheme. 24. The words Pensionable Salary at date of death are deleted and replaced by the words Pensionable Salary at the date of leaving revalued to date of death in both occasions where they appear in the section Before Retirement of section 16 Leaving the Scheme. 25. The words Pensionable Salary at date of death are deleted and replaced by the words Final Pensionable Salary revalued to date of death in the section After Retirement of section 16 Leaving the Scheme. 5

7 26. The details of the Occupational Pensions Regulatory Authority and Opra (The Pension Schemes Registry) detailed in section 18 Further information should be deleted and replaced with the following: The Pensions Regulator Napier House Trafalgar Place Brighton BN1 4DW Telephone: (customer support) Web site: The Pensions Regulator can intervene in the running of pension scheme where employers, trustees or their professional advisers have failed in their duties. Pensions Tracing Service Tyneview Park Whitley Road Newcastle upon Tyne NE98 1BA Telephone: Web site: The Department for Work and Pensions maintains a register of pension schemes. They provide a tracing service which can help you if you have lost track of a previous pension scheme. For example, you might have lost touch when you changed jobs, or if a former employer has changed its name. This could mean that you cannot claim your pensions when you retire. 27. Reference to the Pensions Association OPAS the Pensions Advisory Service in section 18 Further information should be deleted and replaced by The Pensions Advisory Service Limited. The telephone number has not changed. The web site is now The following paragraph is added before the section headed Divorce in section 18 Further information: Payment of tax and other charges The Trustees can reduce your benefits by an amount equal to any tax which is payable. In addition, if any liability for a charge under the Finance Act 2004 arises on paying a benefit or sum from the Scheme, the Trustees can reduce the benefit or sum by the amount of the charge. 29. References to an ex-spouse in the section headed Divorce in section 18 Further information will include an ex-civil partner. 30. The words fixed rate of 4 1/4% a year are deleted and replaced by the words fixed rate of 4% a year from 6 April 2007 under the bullet point If you leave the Scheme in Factsheet 1. 6

8 31. The reference to John Gordon, the Director of Finance are replaced by Douglas Mair, Secretary to the Trustees, c/o Aon Consulting, 131 St. Vincent Street, Glasgow, G2 5JF in the section headed How do I make a formal complaint? in Factsheet The reference to the Director of Finance is replaced by Douglas Mair, Secretary to the Trustees in the section headed Stage 2 The Trustees in Factsheet The paragraph headed Pension for your spouse in Factsheet 1 is deleted and replaced by: Pension for your spouse or civil partner On your death before or after retirement, the pension (a) for your widow must be at least equal to half the GMP you earned for Scheme membership before 6 April 1997, and (b) for your widower or civil partner half the GMP you earned for Scheme membership after 5 April 1988 and before 6 April The words Inland Revenue imposes in the section headed Maximum permitted salary (salary cap) in Factsheet 6 are deleted and replaced with the words Scheme imposes. 35. The section headed Will a pension be payable in respect of my children? in Factsheet 7 is deleted and replaced by: Will a pension be payable in respect of my children? To be eligible, a child must be your legitimate child (including a legally adopted child or stepchild) under the age of 18 (or under age 23 if in receipt of full-time education or vocational training unless given in the course of employment). A child s pension is paid for the benefit or up to two children until age 18 or age 23 if in receipt of full-time education or vocational training unless given in the course of employment. Where more than two children are eligible, the pension will initially be payable for the benefit of the two eldest. If you have any questions on the contents of this Addendum or on any other aspect of the Scheme or on your own entitlements, please contact: Douglas Mair Secretary to the Trustees c/o Aon Consulting Limited 131 St Vincent Street Glasgow G2 5JF July 2009 Please keep this Addendum with your existing booklet ( A member s guide to benefits ) for future reference. 7

THE FENNER PENSION SCHEME MEMBERS BOOKLET

THE FENNER PENSION SCHEME MEMBERS BOOKLET THE FENNER PENSION SCHEME MEMBERS BOOKLET CONTENTS 1. Introduction 2 2. The Scheme / Your Benefits in Brief 3 3. Contributions 5 4. Benefits on Retirement 6 5. Family Protection 10 6. Benefits on Leaving

More information

FSS PENSION SCHEME Classic Plus 2010 Booklet (new scheme)

FSS PENSION SCHEME Classic Plus 2010 Booklet (new scheme) FSS PENSION SCHEME Classic Plus 2010 Booklet (new scheme) Classic Plus 2010 Your guide to the retirement and other benefits provided under the Classic Plus 2010 section of the FSS Pension Scheme. Classic

More information

ARQIVA DEFINED BENEFIT PENSION PLAN. BT Section. Members Booklet

ARQIVA DEFINED BENEFIT PENSION PLAN. BT Section. Members Booklet ARQIVA DEFINED BENEFIT PENSION PLAN BT Section Members Booklet Contents Page No. 1. Introduction...3 2. Summary...4 3. Understanding the terms...6 4. Making contributions...8 5. Paying AVCs...9 6. Receiving

More information

University of Reading Employees Pension Fund (UREPF)

University of Reading Employees Pension Fund (UREPF) Human Resources A guide to the University of Reading Employees Pension Fund (UREPF) August 2011 Please keep this guide in a safe place for future reference Contents Introduction 3 Membership 4 Contributions

More information

Talking Pensions Scheme Guide. The Gallaher A and M Pension Schemes

Talking Pensions Scheme Guide. The Gallaher A and M Pension Schemes Talking Pensions Scheme Guide The Gallaher A and M Pension Schemes 1 2 Contents Key features at a glance 4 Introduction 5 Retirement benefits 6 Looking after you and your family 11 Pensions and divorce

More information

ARQIVA DEFINED BENEFIT PENSION PLAN. ESPS Section. Members Booklet

ARQIVA DEFINED BENEFIT PENSION PLAN. ESPS Section. Members Booklet ARQIVA DEFINED BENEFIT PENSION PLAN ESPS Section Members Booklet Contents 1. Introduction...2 2. Summary...3 3. Understanding the terms...4 4. Making contributions...6 5. Paying AVCs...7 6. Receiving a

More information

ARQIVA DEFINED BENEFIT PENSION PLAN. MPS Section. Members Booklet

ARQIVA DEFINED BENEFIT PENSION PLAN. MPS Section. Members Booklet ARQIVA DEFINED BENEFIT PENSION PLAN MPS Section Members Booklet Contents 1. Introduction...2 2. Summary...3 3. Understanding the terms...4 4. Making contributions...6 5. Paying AVCs...7 6. Receiving a

More information

This booklet outlines the benefits of the ACNielsen (UK) Pension Plan from 1 April 2011 for all members who joined before 1 January 2004.

This booklet outlines the benefits of the ACNielsen (UK) Pension Plan from 1 April 2011 for all members who joined before 1 January 2004. About This Booklet This booklet outlines the benefits of the ACNielsen (UK) Pension Plan from 1 April 2011 for all members who joined before 1 January 2004. Pensions can seem complicated, but every effort

More information

A guide to the GPS Pension Scheme. Defined Benefit

A guide to the GPS Pension Scheme. Defined Benefit A guide to the GPS Pension Scheme Defined Benefit GPS Pension Scheme Defined Benefit Contents Welcome 1 Key features 2 Membership 3 Contributions 4 Your retirement benefits 5 Ill-health benefits 7 Benefits

More information

Church Workers Pension Fund

Church Workers Pension Fund Church Workers Pension Fund Defined Benefits Scheme Members Guide The Church of England Pensions Board PO Box 2026 Pershore WR10 9BW Phone: 020 7898 1802 E-mail: pensions@churchofengland.org 1 Contents

More information

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT ST CATHARINE S COLLEGE

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT ST CATHARINE S COLLEGE CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT ST CATHARINE S COLLEGE How the Scheme is run Why you should join State pensions Auto-enrolment Membership Cost Who can become a member?

More information

CARE. A Guide for Defined Benefit Members

CARE. A Guide for Defined Benefit Members CARE A Guide for Defined Benefit Members A Guide for Members The CARE Scheme closed to the build up of benefits on 31 March 2016. This booklet provides basic information about the DB structures of the

More information

Land Rover Pension. Member Guide. April 2013

Land Rover Pension. Member Guide. April 2013 Land Rover Pension Member Guide April 2013 1 CONTENTS Words with Special Meanings 3 An Overview of the Scheme 5 Scheme Membership 6 Contributions 7 Retiring 9 Taking Part of your Pension as a Tax-Free

More information

BIRMINGHAM MIDSHIRES PENSION SCHEME

BIRMINGHAM MIDSHIRES PENSION SCHEME BIRMINGHAM MIDSHIRES PENSION SCHEME MEMBERS' GUIDE CONTENTS 1 Definitions 2 Membership 3 Contributions 4 Additional voluntary contributions (AVCs) 5 Tax relief 6 Retirement benefits (including taking benefits

More information

Your guide to the Wrigley Pension Plan

Your guide to the Wrigley Pension Plan THE WRIGLEY PENSION AND LIFE INSURANCE PLANS Your guide to the Wrigley Pension Plan Cross the pensions finishing line in good shape The Wrigley Pension and Life Insurance Plans Introduction This booklet

More information

The ITW Pension Fund. Your guide to the 60 th section

The ITW Pension Fund. Your guide to the 60 th section The ITW Pension Fund Your guide to the 60 th section March 2005 Contents About the 60 th section of the ITW Pension Fund 1 Summary of benefits 2 Membership 3 Contributions 4 Benefits 5 On leaving the

More information

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT EMMANUEL COLLEGE

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT EMMANUEL COLLEGE CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT EMMANUEL COLLEGE How the Scheme is run Why you should join State pensions Auto-enrolment Membership Cost Who can become a member? What

More information

MMC UK Pension Fund. Guide. for Members. Mercer

MMC UK Pension Fund. Guide. for Members. Mercer MMC UK Pension Fund A Guide for Members Mercer Contents Page Section 1 How the Fund works 1 Section2 The Fund in brief 3 Section 3 Money Purchase section 4 Investment 4 Retirement benefits 5 Early and

More information

D&B (UK) Pension Plan. Career Average Revalued Earnings (CARE) section

D&B (UK) Pension Plan. Career Average Revalued Earnings (CARE) section D&B (UK) Pension Plan Career Average Revalued Earnings (CARE) section Contents Appendix: Welcome Welcome to the D&B (UK) Pension Plan CARE section The D&B (UK) Pension Plan (the Plan ) provides you with

More information

Contents. The Genome Research Limited Pension Plan. Mapping out your future

Contents. The Genome Research Limited Pension Plan. Mapping out your future Contents 1 Section Page 1 Terms and Definitions flap 2 Introduction 3 3 Summary of benefits 4 4 Joining the Plan 6 5 State Scheme Pension 7 6 Contributions to the Plan 8 7 Benefits on retirement 11 8 Death

More information

University of Aberdeen Superannuation and Life Assurance Scheme (UASLAS) A Guide for Members

University of Aberdeen Superannuation and Life Assurance Scheme (UASLAS) A Guide for Members Business. Empowered. University of Aberdeen Superannuation and Life Assurance Scheme (UASLAS) Key information A Guide for Members 1 www.abdn.ac.uk/staffnet/working-here/uaslas-210 ABOUT THIS GUIDE This

More information

Member s Booklet June 2007

Member s Booklet June 2007 DEFINED BENEFIT SECTION Member s Booklet June 2007 A Glossary of special pension terms used in this booklet can be found on the fold-out flap at the back The following forms / leaflets are currently available

More information

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT CLARE HALL

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT CLARE HALL CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT CLARE HALL How the Scheme is run Why you should join State pensions Auto-enrolment Membership Cost Who can become a member? What does

More information

Guide for Members April 2013

Guide for Members April 2013 Jaguar Pension Plan (Halewood Section) Guide for Members April 2013 1 CONTENTS Words with Special Meanings 3 An Overview of the Plan 5 Plan Membership 6 Contributions 7 Retiring 9 Other Options at Retirement

More information

MEMBERS GUIDE. Shipbuilding Industries Pension Scheme. BAE Systems (VSEL) Section of SIPS Special Edition for Former Members of the VT Group Section

MEMBERS GUIDE. Shipbuilding Industries Pension Scheme. BAE Systems (VSEL) Section of SIPS Special Edition for Former Members of the VT Group Section MEMBERS GUIDE Shipbuilding Industries Pension Scheme BAE Systems (VSEL) Section of SIPS Special Edition for Former Members of the VT Group Section August 2008 Contents page page 1. Meaning of the words

More information

Your classic pension benefits explained. A guide to available benefits

Your classic pension benefits explained. A guide to available benefits Your classic pension benefits explained A guide to available benefits Contents Introduction 3 Membership 4 Paying for your benefits 6 Boosting your pension 7 Leaving early 9 Leaving or opting out 9 Actuarially

More information

Secure benefits the scheme provides you with a future income, independent of share prices and stock market fluctuations.

Secure benefits the scheme provides you with a future income, independent of share prices and stock market fluctuations. A brief guide to the Local Government Pension Scheme (LGPS) Employees in England and Wales April 2014 Highlights of the LGPS The LGPS gives you: Secure benefits the scheme provides you with a future income,

More information

A guide to the GPS Pension Scheme. Defined Contribution

A guide to the GPS Pension Scheme. Defined Contribution A guide to the GPS Pension Scheme Defined Contribution GPS Pension Scheme Defined Contribution Contents Welcome 1 Key features 2 Membership 3 Contributions 4 Investment 5 Your retirement benefits 6 Benefits

More information

Your Guide. to the Plumbing Industry Pension Scheme

Your Guide. to the Plumbing Industry Pension Scheme Your Guide to the Plumbing Industry Pension Scheme Plumbing and Mechanical Services (UK) Industry Pension Scheme 2 Contents 3 Introduction 4 Meaning of Words Used 6 Joining the Scheme 7 Cost of Membership

More information

Arts Council Retirement Plan (1994) Guide for members September 2012

Arts Council Retirement Plan (1994) Guide for members September 2012 Arts Council Retirement Plan (1994) Guide for members September 2012 Guide for members Arts Council Retirement Plan (1994) 3 Contents The Plan at a glance 4 Terms to know 5 Joining the Plan 7 Contributions

More information

NEW BENEFITS HANDBOOK

NEW BENEFITS HANDBOOK NEW BENEFITS HANDBOOK About this handbook This handbook explains the main provisions for New Benefits members of the BBC Pension Scheme (the Scheme). It is intended only as guidance. The definitive provisions

More information

A Guide for Members. Manchester Grammar School A Guide for Members Defined Benefit for Final Salary

A Guide for Members. Manchester Grammar School A Guide for Members Defined Benefit for Final Salary A Guide for Members Manchester Grammar School A Guide for Members Defined Benefit for Final Salary The Manchester Grammar School Pension Scheme - MGS (the Scheme) provides benefits related to your earnings

More information

Church Workers Pension Fund

Church Workers Pension Fund Church Workers Pension Fund Defined Benefits Scheme Members Guide The Church of England Pensions Board PO Box 2026 Pershore WR10 9BW Phone: 020 7898 1802 E-mail: pensions@churchofengland.org 1 Contents

More information

MEMBER HANDBOOK - OLD BENEFITS

MEMBER HANDBOOK - OLD BENEFITS PENSION SCHEME PENSION SCHEME MEMBER HANDBOOK - OLD BENEFITS Contents Membership Your Pension What if...? Finding Out Background Explanation of Terms Pages 2-3 4-8 8-15 15-17 18-21 22-23 About this handbook

More information

A Guide To THE NEW FIREFIGHTERS' PENSION SCHEME 2006 (ENGLAND)

A Guide To THE NEW FIREFIGHTERS' PENSION SCHEME 2006 (ENGLAND) A Guide To THE NEW FIREFIGHTERS' PENSION SCHEME 2006 (ENGLAND) December 2006 THE NEW FIREFIGHTERS' PENSION SCHEME (ENGLAND) When people first start working, a retirement pension is often one of the last

More information

The Independent Schools Pension Scheme A Guide for Members. CARE and Final Salary Benefit Structures

The Independent Schools Pension Scheme A Guide for Members. CARE and Final Salary Benefit Structures Established in 1996 in consultation with the Independent School ISPSBursars Association The Independent Schools Pension Scheme A Guide for Members CARE and Final Salary Benefit Structures A Guide for Members

More information

BT PENSION SCHEME Section A

BT PENSION SCHEME Section A BT PENSION SCHEME Section A Explanatory booklet for Section A Members of the BT Pension Scheme. (BT employees who joined the Post Office before 1 December 1971). This booklet reflects the terms of Section

More information

Delphi Lockheed Automotive Limited Pension Plan Member Booklet

Delphi Lockheed Automotive Limited Pension Plan Member Booklet Delphi Lockheed Automotive Limited Pension Plan Member Booklet These factsheets will help you learn more about the Delphi Lockheed Automotive Limited Pension Plan ( the Plan ): Factsheets 1. Joining the

More information

Siemens Benefits Scheme Your guide to

Siemens Benefits Scheme Your guide to Siemens Benefits Scheme Your guide to the Saver Plus Plan Contents Introduction 1 Overview 2 Joining 4 Contributions 5 Normal retirement from active service 7 Early retirement from active service 8 Ill-health

More information

ABERDEEN CITY COUNCIL PENSION FUND Brief Guide to the Local Government Pension Scheme

ABERDEEN CITY COUNCIL PENSION FUND Brief Guide to the Local Government Pension Scheme ABERDEEN CITY COUNCIL PENSION FUND Brief Guide to the Local Government Pension Scheme THE LOCAL GOVERNMENT PENSION SCHEME (LGPS) SCOTLAND [Scottish version, April 2009] INFORMATION AND DISCLAIMER The information

More information

A GUIDE TO THE FIREFIGHTERS' PENSION SCHEME The Firefighters' Pension Scheme

A GUIDE TO THE FIREFIGHTERS' PENSION SCHEME The Firefighters' Pension Scheme A GUIDE TO THE FIREFIGHTERS' PENSION SCHEME 1992 The Firefighters' Pension Scheme January 2007 THE FIREFIGHTERS' PENSION SCHEME 1992 When people first start working, a retirement pension is often one of

More information

Invensys Pension Scheme Members Booklet

Invensys Pension Scheme Members Booklet Invensys Pension Scheme Members Booklet For all employees who joined the Invensys Pension Scheme between 6 April 2000 and 31 October 2004. Please keep this booklet in a safe place for future reference.

More information

The Scheme in brief THE SCHEME. The benefits provided. Finding out more. Why the Scheme was established. How the Scheme is financed

The Scheme in brief THE SCHEME. The benefits provided. Finding out more. Why the Scheme was established. How the Scheme is financed Your Pension Introduction The Scheme continues to provide the security and continuity to enable you to look forwards with confidence. Membership gives you a range of quality benefits. The National Trust

More information

The Oxford Diocesan Board of Finance Staff Retirement Benefit Scheme A Guide for Defined Benefit Members

The Oxford Diocesan Board of Finance Staff Retirement Benefit Scheme A Guide for Defined Benefit Members The Oxford Diocesan Board of Finance Staff Retirement Benefit Scheme A Guide for Defined Benefit Members A Guide for Members The Oxford Diocesan Board of Finance Staff Retirement Benefit Scheme (the Scheme)

More information

THE NEW FIREFIGHTERS' PENSION SCHEME (ENGLAND)

THE NEW FIREFIGHTERS' PENSION SCHEME (ENGLAND) THE NEW FIREFIGHTERS' PENSION SCHEME (ENGLAND) When people first start working, a retirement pension is often one of the last things they think about. As they get older and take on more responsibilities

More information

Invensys Pension Scheme Members Booklet

Invensys Pension Scheme Members Booklet Invensys Pension Scheme Members Booklet For all employees who joined the Invensys Pension Scheme between 6 April 2000 and 31 October 2004. Please keep this booklet in a safe place for future reference.

More information

A brief guide to your pension scheme. the local government pension scheme

A brief guide to your pension scheme. the local government pension scheme A brief guide to your pension scheme the local government pension scheme Do you have questions about your pension? What are the benefits of contributing to the pension scheme? What benefits do I get now

More information

Helping you save: Your guide to the University of Edinburgh Staff Benefits Scheme. May Edinburgh_University booklet v2.

Helping you save: Your guide to the University of Edinburgh Staff Benefits Scheme. May Edinburgh_University booklet v2. Helping you save: Your guide to the University of Edinburgh Staff Benefits Scheme May 2017 1 10824 Edinburgh_University booklet v2.indd 1 09/05/2017 14:25 Introduction You may have just started your career,

More information

Delphi Diesel Systems Pension Plan Member Booklet

Delphi Diesel Systems Pension Plan Member Booklet Delphi Diesel Systems Pension Plan Member Booklet This booklet includes several factsheets to help you learn more about the Delphi Diesel Systems Pension Plan ( the Plan ): Factsheets 1. Joining the Plan

More information

defined benefit section

defined benefit section defined benefit section your member guide If you have any questions about your benefits, please contact the Scheme Administrators, Willis Towers Watson; Tel: 0113 390 7119 email: BASF@willistowerswatson.com

More information

ELECTRONIC DATA SYSTEMS 1994 PENSION SCHEME. Scheme Booklet. E.ON Section (60ths category)

ELECTRONIC DATA SYSTEMS 1994 PENSION SCHEME. Scheme Booklet. E.ON Section (60ths category) ELECTRONIC DATA SYSTEMS 1994 PENSION SCHEME Scheme Booklet E.ON Section (60ths category) May 2016 CONTENTS Page 1. FOREWORD... 1 2. DEFINITIONS... 2 3. ELIGIBILITY AND ENTRY INTO THE SCHEME... 4 4. CONTRIBUTIONS...

More information

Explaining your pension. Harmsworth Pension Scheme

Explaining your pension. Harmsworth Pension Scheme Explaining your pension Harmsworth Pension Scheme www.dmgtpensions.com www.timeformoney.co.uk Contents How to use this guide 4 Introduction 5 Finding out more 6 Website Getting financial advice Make an

More information

Metal Box AVC Plan Member s Booklet

Metal Box AVC Plan Member s Booklet DEFINED BENEFIT SECTION Metal Box AVC Plan Member s Booklet June 2007 A Glossary of special pension terms used in this booklet can be found on the fold-out flap at the back Contents Planning for your

More information

Guide for members. Career Revalued Benefits section

Guide for members. Career Revalued Benefits section Guide for members Career Revalued Benefits section About this guide This guide summarises the benefits available under the Career Revalued Benefits section of the Universities Superannuation Scheme (USS).

More information

ALLEN & OVERY PENSION SCHEME. Defined Benefit Section - Explanatory Booklet

ALLEN & OVERY PENSION SCHEME. Defined Benefit Section - Explanatory Booklet ALLEN & OVERY PENSION SCHEME Defined Benefit Section - Explanatory Booklet Defined Benefit Section - Explanatory Booklet C O N T E N T S Page No. Introduction... 1 Glossary... 1 Contributions to the Defined

More information

premium pension scheme

premium pension scheme premium pension scheme Contents Introduction 3 Paying for your pension 4 How your pension is worked out 6 Joining up previous pensions 8 Boosting your pension 10 Leaving the scheme (before retiring) 11

More information

Scottish Housing Association Pension Scheme A Guide for Members. CARE and Final Salary Benefit Structures

Scottish Housing Association Pension Scheme A Guide for Members. CARE and Final Salary Benefit Structures Scottish Housing Association Pension Scheme A Guide for Members CARE and Final Salary Benefit Structures A Guide for Members Scottish Housing Associations Pension Scheme (SHAPS) SHAPS (the Scheme) has

More information

SMALL SELF-ADMINISTERED SCHEME MEMBER S BOOKLET

SMALL SELF-ADMINISTERED SCHEME MEMBER S BOOKLET SMALL SELF-ADMINISTERED SCHEME MEMBER S BOOKLET Need a pension scheme that gives you more choice? Then choose a pension scheme with wider investment power CHOOSING HOW BEST TO INVEST FOR YOUR RETIREMENT

More information

MY BARRATT PENSION. A Guide to the Barratt Group Pension & Life Assurance Scheme. Forward Planning KEEPS YOU ONE STEP AHEAD

MY BARRATT PENSION. A Guide to the Barratt Group Pension & Life Assurance Scheme. Forward Planning KEEPS YOU ONE STEP AHEAD MY BARRATT PENSION A Guide to the Barratt Group Pension & Life Assurance Scheme Forward Planning KEEPS YOU ONE STEP AHEAD CONTENTS Welcome Membership Contributions Investment My Retirement Benefits Death

More information

C & J Clark Pension Fund. Plan 35 Explanatory Leaflet

C & J Clark Pension Fund. Plan 35 Explanatory Leaflet C & J Clark Pension Fund Plan 35 Explanatory Leaflet February 2014 Contributions Your Contributions As a member of Plan 35, you contribute 10% of your Pensionable Pay. Pensionable Pay This is your annual

More information

O P Q RETIREMENT & DEATH BENEFITS PLAN. For Employees of The OPQ Company MEMBERS' BOOKLET

O P Q RETIREMENT & DEATH BENEFITS PLAN. For Employees of The OPQ Company MEMBERS' BOOKLET O P Q RETIREMENT & DEATH BENEFITS PLAN For Employees of The OPQ Company MEMBERS' BOOKLET 2016 EDITION Reviewed January 2016 CONTENTS PAGE 2 INTRODUCTION 3 DEFINITIONS 6 FREEDOM AND CHOICE 8 JOINING THE

More information

C & J Clark Pension Fund. Plan 18 Explanatory Leaflet

C & J Clark Pension Fund. Plan 18 Explanatory Leaflet C & J Clark Pension Fund Plan 18 Explanatory Leaflet February 2014 Joining Plan 18 Previous eligibility rules meant you could join Plan 18 if you were aged 18 65 years and had completed 6 months continuous

More information

The Firefighters Pension Scheme Members Guide

The Firefighters Pension Scheme Members Guide The Firefighters Pension Scheme 2006 Members Guide THE FIREFIGHTERS' PENSION SCHEME 2006 When people first start working, a retirement pension is often one of the last things they think about. As they

More information

Airbus Group UK Pension Scheme. Schedule 3

Airbus Group UK Pension Scheme. Schedule 3 Airbus Group UK Pension Scheme Schedule 3 Contents Introduction... 3 A guide to your benefits... 4 How much does it cost me?... 5 What protection do I get while still working?... 7 What happens if I leave

More information

A guide for members. Industry-Wide Defined Contribution Section

A guide for members. Industry-Wide Defined Contribution Section Industry-Wide Defined Contribution Section Disclaimer The information provided in this guide is intended for general information and illustrative purposes. Your benefits will be worked out in accordance

More information

Your classic plus SHQVLRQ EHQHîWV H[SODLQHG $ JXLGH WR DYDLODEOH EHQHîWV

Your classic plus SHQVLRQ EHQHîWV H[SODLQHG $ JXLGH WR DYDLODEOH EHQHîWV Your classic plus Contents Introduction 3 Membership 4 Paying for your benefits 6 Boosting your pension 7 Leaving early 8 Leaving or opting out what happens to your pension benefits? 8 Actuarially-reduced

More information

Airbus Group UK Pension Scheme. Schedule 2

Airbus Group UK Pension Scheme. Schedule 2 Airbus Group UK Pension Scheme Schedule 2 Contents Introduction... 3 A guide to your benefits... 4 How much does it cost me?... 4 What protection do I get while still working?... 6 What happens if I leave

More information

The Vauxhall Motors Limited Pension Plan Member Booklet

The Vauxhall Motors Limited Pension Plan Member Booklet The Vauxhall Motors Limited Pension Plan Member Booklet The Vauxhall Motors Limited Pension Plan Member Booklet These factsheets will help you learn more about the Vauxhall Motors Limited Pension Plan

More information

Northern Foods Pension Scheme Explanatory Booklet

Northern Foods Pension Scheme Explanatory Booklet Northern Foods Pension Scheme Explanatory Booklet Your benefits in depth Welcome to the Northern Foods Pension Scheme an important and valuable part of your employment benefits package. Contents Introduction

More information

THE LOCAL GOVERNMENT PENSION SCHEME. Guide to Leaving the Scheme Before Retirement

THE LOCAL GOVERNMENT PENSION SCHEME. Guide to Leaving the Scheme Before Retirement THE LOCAL GOVERNMENT PENSION SCHEME Guide to Leaving the Scheme Before Retirement THE LOCAL GOVERNMENT PENSION SCHEME (LGPS) SCOTLAND [Scottish version, June 2018] 1 Contents Click on the headings below

More information

ELECTRONIC DATA SYSTEMS 1994 PENSION SCHEME. Scheme Booklet. E.ON Section (80ths category)

ELECTRONIC DATA SYSTEMS 1994 PENSION SCHEME. Scheme Booklet. E.ON Section (80ths category) ELECTRONIC DATA SYSTEMS 1994 PENSION SCHEME Scheme Booklet E.ON Section (80ths category) May 2016 CONTENTS Page 1. INTRODUCTION... 1 2. DEFINITIONS... 2 3. ELIGIBILITY AND ENTRY INTO THE SCHEME... 5 4.

More information

PENSION SCHEME MEMBER HANDBOOK - CAREER AVERAGE BENEFITS 2011

PENSION SCHEME MEMBER HANDBOOK - CAREER AVERAGE BENEFITS 2011 PENSION SCHEME MEMBER HANDBOOK - CAREER AVERAGE BENEFITS 2011 Contents Membership Your Pension What if...? Finding Out Background Explanation of Terms Pages 2-3 4-7 8-13 13-16 16-19 20-21 About this handbook

More information

The University of Warwick Pension Scheme Defined Benefit Section. Explanatory Booklet

The University of Warwick Pension Scheme Defined Benefit Section. Explanatory Booklet The University of Warwick Pension Scheme Defined Benefit Section Explanatory Booklet The University of Warwick Pension Scheme Defined Benefit Section - Explanatory Booklet Contents Page Explanation of

More information

BANK OF CHINA PENSION & LIFE ASSURANCE SCHEME. Explanatory Booklet

BANK OF CHINA PENSION & LIFE ASSURANCE SCHEME. Explanatory Booklet BANK OF CHINA PENSION & LIFE ASSURANCE SCHEME Explanatory Booklet August 2014 I BANK OF CHINA PENSION & LIFE ASSURANCE SCHEME EXPLANATORY BOOKLET VERSION CONTROL Amendment Effective Date Responsibility

More information

Building for your retirement Your Guide to the Defined Contribution Section of the Allen & Overy Pension Scheme

Building for your retirement Your Guide to the Defined Contribution Section of the Allen & Overy Pension Scheme Building for your retirement Your Guide to the Defined Contribution Section of the Allen & Overy Pension Scheme November 2013 2 Allen & Overy Scheme Booklet Contents Introduction 3 Summary of the Scheme

More information

Member s Booklet Main Section

Member s Booklet Main Section Member s Booklet Main Section July 2012 edition Member s Booklet - Main Section 1 July 2012 Contents Introduction... 5 Summary of benefits... 6 Joining the Main Section... 7 Eligibility... 7 Opting-out...

More information

Guide to your New Pension Benefits

Guide to your New Pension Benefits Oxford University Press Group Pension Scheme Guide to your New Pension Benefits This guide outlines the new CARE terms which apply to active members from 1 April 2016. 1 Guide to your New Pension benefits

More information

THE XYZ Pension and Life Assurance Scheme. Members Booklet April 2018 Edition. For Employees of the XYZ Company

THE XYZ Pension and Life Assurance Scheme. Members Booklet April 2018 Edition. For Employees of the XYZ Company THE XYZ Pension and Life Assurance Scheme Members Booklet April 2018 Edition For Employees of the XYZ Company Reviewed May 2018 1 CONTENTS Page 3 OVERVIEW 4 TERMS USED IN THIS BOOKLET 8 GENERAL 9 CONTRIBUTIONS

More information

to the Fujitsu Comparable Pension Scheme - Section F

to the Fujitsu Comparable Pension Scheme - Section F pensions FUJITSU comparable pension scheme YOUR GUIDE to the Fujitsu Comparable Pension Scheme - Section F July 2010 Comparable Scheme pensions FUJITSU comparable pension scheme CONTENTS 1 Introduction

More information

A Guide for Defined Benefit Members

A Guide for Defined Benefit Members Darlington Building Society Pension Plan A Guide for Defined Benefit Members A Guide for Members Defined Benefit 1 The Darlington Building Society Pension Plan (the Plan) has been designed to provide security

More information

O P Q RETIREMENT & DEATH BENEFITS PLAN. For Employees of The OPQ Company MEMBERS' BOOKLET

O P Q RETIREMENT & DEATH BENEFITS PLAN. For Employees of The OPQ Company MEMBERS' BOOKLET O P Q RETIREMENT & DEATH BENEFITS PLAN For Employees of The OPQ Company MEMBERS' BOOKLET APRIL 2017 EDITION Reviewed December 2017 CONTENTS PAGE 2 INTRODUCTION 3 DEFINITIONS 6 FREEDOM AND CHOICE 8 JOINING

More information

GLOBAL AEROSPACE UNDERWRITING MANAGERS PENSION SCHEME. Defined Benefit Section

GLOBAL AEROSPACE UNDERWRITING MANAGERS PENSION SCHEME. Defined Benefit Section GLOBAL AEROSPACE UNDERWRITING MANAGERS PENSION SCHEME Defined Benefit Section MEMBER'S HANDBOOK SEPTEMBER 2015 PENSION AND LIFE ASSURANCE ARRANGEMENTS Trustee Address: Trustee of the Global Aerospace Underwriting

More information

The Bidvest (UK) Retirement Plan Member Guide

The Bidvest (UK) Retirement Plan Member Guide The Bidvest (UK) Retirement Plan Member Guide JULY 2016 Contents Introduction 3 How does the Plan work? 4 How do I join the Plan? 4 What if I don t want to be in the Plan? 5 How much is paid to my Retirement

More information

Phillips 66 UK Pension Plan Member Guide to the Benefits of the Defined Contribution Section

Phillips 66 UK Pension Plan Member Guide to the Benefits of the Defined Contribution Section Phillips 66 UK Pension Plan Member Guide to the Benefits of the Defined Contribution Section Benefits for Today. Benefits for Tomorrow. Benefits for the Unexpected. Member Guide to the Benefits of the

More information

Capgemini UK (2004) Pension Plan ASPIRE INVESTMENT SECTION

Capgemini UK (2004) Pension Plan ASPIRE INVESTMENT SECTION Capgemini UK (2004) Pension Plan ASPIRE INVESTMENT SECTION Contents SECTION PAGE No. 1. Terms used in this Booklet......................................... 4 2. Joining the Plan.................................................

More information

WH-12ppbrochure - artwork:layout 1 22/11/12 15:51 Page 1 EMPLOYEE PENSION PLAN

WH-12ppbrochure - artwork:layout 1 22/11/12 15:51 Page 1 EMPLOYEE PENSION PLAN WH-12ppbrochure - artwork:layout 1 22/11/12 15:51 Page 1 EMPLOYEE PENSION PLAN 2013 WH-12ppbrochure - artwork:layout 1 22/11/12 08:50 Page 2 WILLIAM HILL EMPLOYEE PENSION PLAN ( Plan ) Membership is open

More information

SCHEDULE 1 EARLIER SCHEME DOCUMENTS

SCHEDULE 1 EARLIER SCHEME DOCUMENTS SCHEDULE 1 EARLIER SCHEME DOCUMENTS Date Document 29 March 1974 Interim Trust Deed 30 August 1974 Deed of Variation 31 August 1977 Resolution of Individual Trustees 4 May 1979 Deed of Variation 25 April

More information

Airbus Group UK Pension Scheme. Schedule 1

Airbus Group UK Pension Scheme. Schedule 1 Airbus Group UK Pension Scheme Schedule 1 Contents Introduction... 3 A guide to your benefits... 4 How much does it cost me?... 5 What protection do I get while still working?... 6 What happens if I leave

More information

COMPANY PENSION SCHEME HANDBOOK

COMPANY PENSION SCHEME HANDBOOK COMPANY PENSION SCHEME HANDBOOK Approved by the Trustees March 2004 PCO 331SS8 VS JUNEI Page 1 of 18 O3/1O/2OD5 CONTENTS SECTION 1. Useful definitions 3 2. Introduction 4 3. Who is eligible to join the

More information

Membership Information

Membership Information PILKINGTON SUPERANNUATION SCHEME Membership Information What the terms mean: Actuary An adviser on financial questions about the funding of pension schemes. Under the Pensions Act, trustees to a scheme

More information

GUIDE TO PARTIAL RETIREMENT

GUIDE TO PARTIAL RETIREMENT GUIDE TO PARTIAL RETIREMENT PENSION & LIFE ASSURANCE SCHEME July 2012 Inside this guide: Many people look forward to the time when they can stop work and retire but if you are interested in winding down

More information

WELCOME TO THE AIRBUS GROUP UK RETIREMENT PLAN

WELCOME TO THE AIRBUS GROUP UK RETIREMENT PLAN ? WELCOME TO THE AIRBUS GROUP UK RETIREMENT PLAN Member booklet The is an important part of your reward package. This booklet explains the benefits that are available when you join the Plan, and the options

More information

Secure benefits the scheme provides you with a future income, independent of share prices and stock market fluctuations.

Secure benefits the scheme provides you with a future income, independent of share prices and stock market fluctuations. A brief guide to the Local Government Pension Scheme (LGPS) Employees in England and Wales Highlights of the LGPS The LGPS gives you: Secure benefits the scheme provides you with a future income, independent

More information

ELECTRONIC DATA SYSTEMS RETIREMENT PLAN. Plan Booklet. Applicable to Rolls-Royce Section Members

ELECTRONIC DATA SYSTEMS RETIREMENT PLAN. Plan Booklet. Applicable to Rolls-Royce Section Members ELECTRONIC DATA SYSTEMS RETIREMENT PLAN Plan Booklet Applicable to Rolls-Royce Section Members May 2016 CONTENTS Page 1. INTRODUCTION... 1 2. DEFINITIONS... 2 3. ELIGIBILITY AND ENTRY INTO THE PLAN...

More information

Capgemini UK Pension Plan Defined Contribution Section

Capgemini UK Pension Plan Defined Contribution Section Capgemini UK Pension Plan Defined Contribution Section April 2008 Introduction The amount of benefits eventually payable will not be known until you actually retire. Section Page 1. Terms used in this

More information

A GUIDE TO THE FIREFIGHTERS' PENSION SCHEME 1992 (ENGLAND)

A GUIDE TO THE FIREFIGHTERS' PENSION SCHEME 1992 (ENGLAND) A GUIDE TO THE FIREFIGHTERS' PENSION SCHEME 1992 (ENGLAND) December 2016 A Guide to the Firefighters' Pension Scheme 1992 (England) This guide reflects the rules of the Firefighters Pension Scheme 1992

More information

April UK Pension Plan A GUIDE TO YOUR PENSION BENEFITS

April UK Pension Plan A GUIDE TO YOUR PENSION BENEFITS April 2017 UK Pension Plan A GUIDE TO YOUR PENSION BENEFITS Contents Welcome to the Eaton UK Pension Plan 3 Special terms 4 1 2 3 4 5 6 7 8 9 10 AVCs Benefits in brief 5 Membership 6 Contributions 7 Your

More information

The Royal College of Nursing Pension Scheme Member guide for the Defined Benefit Scheme

The Royal College of Nursing Pension Scheme Member guide for the Defined Benefit Scheme The Royal College of Nursing Pension Scheme Member guide for the Defined Benefit Scheme About the Scheme The Royal College of Nursing (RCN) Scheme (the Scheme) has been designed to provide security for

More information

The Genesis Pension Scheme Member Guide for the Defined Benefit Scheme

The Genesis Pension Scheme Member Guide for the Defined Benefit Scheme The Genesis Pension Scheme Member Guide for the Defined Benefit Scheme Defined Benefit The Genesis Pension Scheme (the Scheme ) has been designed to provide security for you during your retirement and

More information

Enclosure 1: AvestaPolarit Pension Scheme (the "Scheme ) Proposed Pension Changes Fact Sheet

Enclosure 1: AvestaPolarit Pension Scheme (the Scheme ) Proposed Pension Changes Fact Sheet Enclosure 1: AvestaPolarit Pension Scheme (the "Scheme ) Proposed Pension Changes Fact Sheet Introduction As explained in the attached letter, the Company is proposing to make the following changes to

More information