Transferring out

As you are no longer contributing to the Plan, you do have the option to transfer your benefits to your new employer’s pension or to a personal pension.

You need to be aware though that the law requires you to provide evidence of financial advice being taken if your transfer value is over £30,000 and you are not transferring to another defined benefit or safe guarding arrangement. You can visit to find an independent financial adviser in your area.

Other benefits
Benefits on death
If you die, your loved ones may benefit from a pension and a lump sum payment. The exact benefits that could be paid depend on which section you belong to.

The Trustee decides who should receive any lump sum and you can help the Trustee in making this decision by completing an expression of wish form.

Normal retirement age

Your normal retirement age in the Plan is dependent on which section you are in.

However, you could retire at any time from age 55, subject to company agreement. Your pension would be reduced to reflect early payment.


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