Your pension provides you with choices for your future, and we want you to be able to make the most of your retirement. That’s why we provide a range of flexibilities to help you enhance your pension.

You can find out about the different options available on our flexibilities webpage. There are calculators and other resources to help you make the choice that suits you best.

We offer:

Career Average arrangement only

• Buy out – You can ‘buy out’ the actuarial reduction that would be applied to your pension if you choose to retire early (this must be applied for within 6 months of joining the Career Average arrangement)
• Faster Accrual – Increase your pension by adding a larger fraction of your pensionable earnings to it. Each election lasts for one year

Career Average and Final Salary arrangement

• Additional pension - This can be purchased in multiples of £250

Once you’ve found the flexibility to suit you simply log into MPO and complete the form.

Important 
The annual Faster Accrual flexibility has to be applied for by 31 March each year, or within one month of starting a new employment or joining the Career Average arrangement.

You can use the ‘What type am I’ tool if you’re unsure of the arrangement you’re in.