Length of time out of service

If you’re out of pensionable employment for more than five years ending after 1 April 2015 it can have an impact on the benefits you can receive (we sometimes refer to this as a disqualifying break):

  • It may mean you enter a different arrangement to the one you left (i.e you may return to career average as opposed to the final salary arrangement). More information about the different arrangements is available in the active member guide.
  • If you had final salary and career average benefits when you left then the salary link between your final salary and career average benefits may be broken if you return to pensionable service after more than five years. That means when you take your benefits we will use the salaries at the time of the break to calculate your final salary benefits. If you were out of pensionable service for less than five years then we’ll use the salaries you’ve earned in career average.
  • If you return to pensionable service after more than five years then the benefits you earned before your break will continue to be index linked at the lower rate after your return to service. Any future benefits you earn will be index linked at the higher in service rate as long as you remain in service.
  • If your break is as a result of you working elsewhere in the Public Sector, then you might not lose the salary link, and you might return back to the final salary arrangement.
Last Updated: 08/12/2021 16:21


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