Key changes

These are the key changes to the Scheme for those of you who are affected.

  • If you are eligible, you’ll choose between your final salary (legacy) and career average (reformed) pension scheme benefits for service between 1 April 2015 and 31 March 2022. You’ll make your choice at the time you take your pension benefits (e.g. when you retire), this is named the Deferred Choice Underpin (DCU).
  • Initially, those of you who were moved to the career average (reformed) scheme in 2015 (or later if you had tapered protection), will be moved back into the final salary (legacy) scheme for the remedy period. However, when you then take your pension benefits, for example at retirement, you’ll get to choose between your final salary (legacy) and career average (reformed) scheme benefits. At this point, you’ll receive the necessary information to be able to make a choice about which pension scheme benefits are better for you.
  • Those of you who are affected members who have already taken benefits from the final salary (legacy) scheme, or will before April 2022, will be given a choice between your final salary (legacy) and career average (reformed) scheme benefits for service between 2015 and the date you take your pension benefits. This choice will be offered as soon as possible after legislation is implemented and any change to benefits will be backdated.
  • From 1 April 2022 all active members will accrue service in the reformed career average scheme.

More detailed information can be found by reading our Transitional Protection factsheet and the government response (This link opens in a new window) .

Last Updated: 15/10/2021 10:08


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