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Annual Benefit Statements

The production of the Annual Benefit Statements is a significant event in the JSS calendar. We produce over 7500 statements for our members each year.

Statements are normally produced between July and August.

What is an Annual Benefit Statement?

Annual Benefit Statements provide an illustration of your benefits up until the statement date (31 March).

The benefits on your Annual Benefit Statement are calculated using your pensionable earnings as at the statement date.

How is my statement produced?

Benefit Statements are produced in bulk and sent directly to members via their work email address, this is our default method.

In exceptional circumstances, where we do not have a valid work email address we will send a hard copy by post to your work address.

I have not received my statement, why is this?

If you have not received your statement this could be due to a number of reasons:

  • Your statement may not have been produced yet. Please check the JSS website for the estimated delivery date or contact JSS for details
  • Your statement may be delayed whilst JSS checks with your employer to validate the information contained within your pension record
  • Your statement may have been sent to a previous email address, please contact JSS if you think that this may have happened in order to update your details
  • Your statement may have been sent to a previous work address, please contact JSS if you think this may have happened in order to update your details
  • You were not a member of the pension scheme on the statement date (31 March)

What counts towards my RCPS Pension?

Not all of your pay counts towards your RCPS Pension. Pensionable earnings are usually your basic pay and some types of allowances.

To find out which types of pay are pensionable, contact your employer.

Please bear in mind that depending on the scheme you are in, your benefits may be based on pay, service and/or earnings. Your statement will say what your pension is based on.

What do I do when I receive my Benefit Statement?

You should check your statement and then keep it in a safe place.

The issue of the Annual Benefit Statements is an opportunity for you to check that the details we hold for you are correct. If you notice anything wrong please let JSS know as soon as possible so that your details can be updated. It is important to keep your pension records up to date so that the correct benefits are paid.

The information in your Benefit Statement includes:

  • Your Personal Details

    Your statement includes details of your current Death Benefit Nomination (DBN) if JSS have one for you on our records.

    The DBN tells JSS who any death benefits should be paid to.

    Please check these details and ensure that these are always kept up to date, any changes should be notified to JSS as soon as they apply.

    You can download a DBN form from the forms page of the JSS website.

    The issue of the Annual Benefit Statements is an opportunity for you to check that the details we hold for you are correct. If you notice anything wrong please let JSS know as soon as possible so that your details can be updated. It is important to keep your pension records up to date so that the correct benefits are paid.

  • A Pension Saving statement

    In some cases the Annual Benefit Statement will include a Pension Saving Statement, this is for those members that have exceeded the Annual Allowance or have requested a statement. More information on Annual Allowance can be found on the Pensions and Tax section of the JSS Website.

Retirement

Your statement is not a formal retirement quotation and should only be used as a guide. Formal quotations can only be produced by JSS when you choose to retire. Retirement quotations are calculated using your final pensionable earnings which are calculated differently depending on the scheme you are in. Please refer to the relevant Scheme Guide for further information.

State Pension Information

Unfortunately we are no longer able to include details of your State Pension benefits with your Annual Benefit Statement. This is because the Department for Work & Pensions (DWP) no longer provide us with the details. You can, however, now obtain a State Pension forecast on the Check your State Pension - external link - page

Queries

If you have a query with regard to your personal details (e.g. date of birth, National Insurance Number, marital status, home address) please contact your employer in order for your details to be clarified and/or updated.

You should also provide JSS with any new information including any updates to your Death Benefit Nomination so that we can update your record.

If you have a query with regard to your pension scheme information or personal details, please contact JSS who will discuss this query with you.

Common frequently asked question

  • My DBN form only has space for one nominee?
  • If you are in classic you can only nominate one person.

  • My service is less than I thought it would be?
  • You may have converted to Premium, incurred non reckonable service and/or have part time service.

  • I cannot access my statement / It requires a password?
  • You need to use the 6 numerical digits of your National Insurance Number (do not use the letters).