Annual Benefit Statements
Your Annual Benefit Statement provides an estimate of your benefits up until the statement date (31 March).
It is produced using information provided by your employer and includes an estimate of your current benefits. These benefits are calculated using your pensionable earnings as at the statement date.
Your Statement is produced in PDF format and is sent directly to you via your work email address which 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 home address.
Benefit statements are password protected with the numerical element of your National Insurance (NI) number. For example, if your NI number is AB123456C, then your password will be 123456: do not include the letters.
You will receive a Statement if you are:
- An Active Member.
- A Partial Retiree (if you have a pension in payment and are also contributing to the scheme).
The issue of the Annual Benefit Statements is an opportunity for you to check that the personal details we hold for you are correct. If you notice anything wrong with your statement please email firstname.lastname@example.org as soon as possible so that these can be updated.
You should check your statement and then keep it in a safe place as JSS will not provide you with a copy statement.
If you have not received your Benefit Statement this could be due to a number of reasons:
- Your Statement may not have been produced yet.
- 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, this could be due to you moving to a new location / council / employer and not updating your details directly with JSS.
- You were not a member of the pension scheme on the statement date (31 March) or started employment after this date.
If you are concerned about not receiving your Statement, please email email@example.com
Your statement contains details about you and your pension, including:
- The personal details that JSS holds about you.
- Your current salary (including any permanent pensionable allowances).
- Your benefits at a glance including an estimate of what you've built up so far. For the purpose of the statement, basic salary and permanent pensionable allowances as at the statement date are used to calculate your benefits.
- Your scheme membership; e.g. Nuvos, Premium, Classic or Classic Plus.
- Details of your current Death Benefit Nomination (DBN).
For a brief guide as to how benefits accrue in the different RCPS versions, please refer to the How your pension is worked out (PDF, 116KB) - opens in new window - guide.
Each month your employer deducts pension contributions from your pay, these deductions can be viewed on your payslip.
Pension contributions are used to cover the cost of the scheme and do not equate to how much pension you have accrued. The amount you contribute to your pension is based on the 'pay band' your earnings fall into each pay period. Please remember that these contribution rates are subject to change.
The employee contribution rates can be found on the Pension Contributions page of the JSS website.
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.
State Pension BenefitsDetails of your State Pension benefits are not shown on your Annual Benefit Statement. This is because the Department for Work & Pensions (DWP) do not provide us with the details. You can, however, obtain a State Pension forecast on the Check your State Pension - external link - page.
Additional Service or Pension credits
This may be included on your Statement and includes:
- Added Pension from either regular contributions or lump sum payments
- Transferred in pension
- Casual Service Credit
- Aggregated or linked credit relating to earlier RCPS membership
Deferred or Earlier RCPS Membership
This is shown in your statement if:
- You are a current Classic Scheme member with earlier Classic deferred service that is eligible for aggregation with your current membership. An estimate of aggregated benefits will be shown within your Statement. If earlier RCPS membership ceased due to redundancy, then the aggregation option is not available. The option to aggregate is available when you next leave or reach age 60, whichever is sooner.
- You are currently in Premium, Classic Plus or Nuvos, any aggregated or linked membership will be incorporated within your Statement. Aggregation applies to the joining up of same scheme benefits, for example, Nuvos to Nuvos or Premium to Premium. Linking applies to the Nuvos scheme whereby earlier final salary benefits have been linked up to later Nuvos membership. If earlier RCPS membership ceased due to redundancy, then the aggregation or linking option is not available. If you have earlier deferred membership that is not aggregated or linked, a Pension Increase letter is issued every April to advise up to date deferred pension values.
Statements provide the details of your active service only. Reckonable service and pension is calculated from the day after you take partial retirement.
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