This page provides information and links that you may find useful. We do not include commercial sites, as to do so might be construed as a recommendation.
Age UK - external link - (previously Age Concern and Help The Aged)
A charity that offers practical support to help older people to live independent lives.
A charity that gives advice on the benefits you may be entitled to and wider legal advice.
A service provided by the Pension Tracing Service that helps you to find contact details for a workplace or personal pension scheme.
For You By You - The Charity for Civil Servants - external link - (previously the Civil Service Benevolent Fund)
Gives financial support in cases of specific hardship or to buy needed equipment. It can also help with child care support and gives advice on care placement.
HMRC - external link - HM Revenue and Customs
Gives news and information on tax matters and national insurance in the United Kingdom.
Gives free and impartial advice about defined contribution pensions, it will not recommend any products or tell you what to do with your money.
(CSPA) is a campaigning body representing pensioners in the civil service and related schemes. It was formed in 1952 to secure improvements in pensions and pensioners welfare. It is non party political, financially independent and democratically run in the UK.
A national charity that helps you make the most of your retirement. It has local groups that will do what they can to help members overcome loneliness, hardship, suffering or distress.
Gives details of leaflets and benefits available for families, those at work and the retired. DWP also provides useful information regarding employment, pensions and welfare.
A service set up by the Government that gives free and impartial money advice.
(FCA) is the independent regulator accountable to Treasury and, through them, to Parliament. The FCA look after the financial services industry and protect consumers. The FCA have replaced the Financial Services Authority (FSA).
A service that gives free advice to those experiencing problems with company or personal providers and explains the different pension types of defined contribution and defined benefit schemes (Classic, Classic Plus, Premium and Nuvos are defined benefit schemes).
A new body sponsored by the Department for Work and Pensions to help people to make the most of their money and pensions
The UK regulator of workplace pension schemes.
Planning your retirement
Do you know how much you will need to live on when you retire?
The Get to know your pension page lists 10 things you need to know - external link in order to plan for your retirement and provides a calculator to help you understand how much you could get from your total pension pot.
Take control of your future with a mid-life MOT
It is important to make sure that you are prepared for later life. The Mid-life MOT - external link page provides a package of support with pension planning and working options that you may find useful.
New Starter Information must be provided to JSS
JSS has a statutory duty to issue pension scheme information to new members within one month of their details being provided to JSS.
Regulations also require JSS to send pension scheme information within two months if we haven't received new starter details from the employer, which is obviously challenging if employers don't send new starter details to JSS in a timely manner.
The service level for employers to send JSS new starter details is 10 working days after their start date, which happens 93% of the time, and on average JSS send information out within 2 working days. Generally new starters are receiving their information within the prescribed deadlines but not all do and for that reason we've published this item to remind employers of their responsibilities.
Current members should make sure they keep their personal details up to date
Following the sending of the Annual Benefit Statements, JSS receive many requests from members about updating their personal details e.g. Changes of name, Death Benefit Nomination (DBN), home address, marital status etc.
When you change your details with the respective HR/Payroll departments, this information is not routinely passed across to JSS. You should make sure that you also notify JSS at the same time by sending an email to email@example.com including either your pension scheme number (this can be found on your Benefit Statement) or National Insurance (NI) number.
Pension cold calling ban introduced
On 9 January 2019 legislation came into force banning pensions cold calling. This means that it is now illegal for companies to make unwanted or unsolicited phone calls to people about their pension.
It only applies to companies calling from within the UK and does not apply to companies outside of the UK, or to text messages or emails.
According to the Financial Conduct Authority (FCA) scammers are stealing as much as £91,000 per victim. According to the Money Advice Service there could be 250 million unsolicited pension scam phone calls each year.
The ban does not apply where:
- the caller is authorised by the FCA, or is the trustee or manager of an occupational or personal pension scheme
- the recipient of the call consents to calls or has an existing relationship with the caller.
If you receive a cold call about your pension you are encouraged to gather as much information as possible during the call and then report it to the Information Commissioner. - external link
Retirement benefits that you might not know about
There are a number of benefits and help available when you retire, a few of them are listed below:
- Bus Pass - external link
- London Freedom Pass - external link
- Senior Railcard - external link
- TV Licence - external link
- Winter Fuel Payment - external link
- Pension Credit - external link
- Attendance Allowance - external link
- Carers Allowance - external link
Please note that JSS cannot comment, endorse or assist on any of these benefits.
The State Pension is a regular payment that you may get when you reach state pension age, you need to claim this because DWP do not pay this to you automatically.
On 6 April 2016 the New State Pension was introduced. The new state pension page - external link - contains information and instructions on how to claim your state pension.
You can use the Check your State Pension - external link - website for an estimate of what you may receive.
If you reached State Pension age before 6 April 2016, you could get more money if you delay claiming or stop your State Pension. More information can be found on the Deferring your State Pension - external link page.
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