What if

I take family or unpaid leave?

What happens if I take family or unpaid leave?

If you take paid family leave (which covers maternity, paternity or adoption leave) your contributions will continue and they will be based on the amount of basic salary you are actually paid. Pearson’s contributions will also continue, based on the normal rate of your basic salary as if you were working normally.

If you are on unpaid leave or unpaid family leave, you are not required to pay pension contributions.

If you return to work, you may pay arrears of any unpaid contributions. Pearson will pay contributions in respect of any arrears that you choose to pay. If you do not make up the arrears, your eventual benefits at retirement will be less than if you had done so.

Will I continue to receive updates about the Plan and my benefits?

Yes, you will continue to receive your benefit statements, annual trustee reports and any special announcements to your home address.

What about my additional voluntary contributions (AVCs)?
You can continue paying AVCs during family leave. If your family leave is unpaid, your AVCs will stop. However, you may be able to make good the shortfall in contributions when you return to work, subject to the limit on maximum pension contributions.

 

What happens if I do not return to work?

If you do not return to work within the time limit agreed with Pearson, your pension benefits will be calculated as though you had left on the agreed date. Alternatively, on the date you told Pearson you would not be returning if that was earlier.


What happens to my ill-health and death in service benefits?

If you have to retire due to ill-health or unfortunately die during a period of family leave or unpaid leave, your benefits will not be affected. You continue to be covered for any ill-health and death in service benefits based on your full rate of basic pay, even if you choose not to pay pension contributions. See the ill-health and death in service benefits section for more information.

Remember to keep your expression of wish form 
and, if you are not married or in a civil partnership, your nominated dependant form up to date.

Still have questions?

If you have any questions then please go to the contact us page on the website for different ways to get in touch.

Discounts

Aviva is offering additional discounts to its online premiums for car, home and travel insurance to new Aviva customers.

To find out more go to www.aviva.co.uk/affinities/pearson where you can find details of the products available and any eligibility criteria that may apply.

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