Pension reform frequently asked questions (FAQ)
These frequently asked questions are related specifically to Pension Reform / Alpha. Click the question to view the answer.
The Alpha Guide - external link - is the place to go to for information about your pension.
This is a good place to start if you need more detail of how Alpha works alongside the features of the scheme you moved from.
Your added years contract/contributions will continue. This means that the accrual of your added years will continue alongside the accrual of Alpha scheme benefits. If your added years contributions stop before your added years contract cessation date, you will be credited with the appropriate proportion of added years.
If your added pension contract was set up on an ongoing basis (i.e. no end date), you will continue purchasing added pension for your 'pre Alpha' scheme and the added pension purchased will retain its current pension age. Any new added pension contract set up after pension reform, will purchase Alpha added pension.
If any RCPS members are already beyond scheme pension age, they will remain in their current section.
Partnership members are able to remain in the Partnership section while the RCPS continues as a by analogy scheme. Following the transfer of the RCPS to MyCSP anyone with a Partnership pension account will be offered the option of moving to their new fund provider. The Civil Service pensions - external link - page provides more information.
Please note that there are no changes for Partnership members while the RCPS continues.
Civil Service pensions are usually paid monthly in arrears, directly to your nominated bank account. There may be changes to dates once MyCSP takes over administration and MyCSP would tell pensioners about any changes in advance.
Once the RCPS has transferred over to the Civil Service arrangements MyCSP will send members the Annual Benefit Statements. Statements will show the various elements of a members pension benefit accrual.
Employers are legally required to re-enrol staff every 3 years. It is expected that all members will be moved into Alpha in the future.
No, MyCSP will exercise discretion and will not apply the abatement rules in this circumstance.
If the pension is brought into pay before the RCPS is admitted to the Civil Service pension arrangements, MyCSP will exercise discretion and will not apply the abatement rules.
If the pension is brought into pay after the RCPS is admitted to the Civil Service pension arrangements, abatement rules will be applied.
Abatement rules will be applied.
Any transfer to the RCPS which is completed prior to the date that scheme membership changes to Alpha, will retain the pension age of current RCPS membership (65 for Nuvos or 60 for the final salary schemes). The scheme pension age for any pension accrued in Alpha will be a members state pension age. All benefits accrued prior to joining Alpha (including any transferred in pension) can still be accessed at the old scheme pension age - however, if a member is still accruing benefits in the Alpha scheme, they would have to partially retire and the pension may be subject to abatement (PDF, 154KB) - opens in new window.
Any aggregation or linking of RCPS benefits, which is completed prior to the date that scheme membership changes to alpha, will retain the pension age of current RCPS membership - i.e. 65 (Nuvos) or 60 (final salary schemes). The scheme pension age for any pension accrued in alpha will be a members state pension age. All benefits accrued prior to joining alpha (including any aggregated or linked pension) can still be accessed at the old scheme pension age - however, if a member is still accruing benefits in the alpha scheme, they would have to partially retire and the pension may be subject to abatement (PDF, 154KB) - opens in new window.
If the aggregation or linking option is not taken up, the earlier RCPS preserved benefits can be accessed at the old scheme pension age - with no requirement to partially retire, but abatement may still be applicable.
Pre Alpha pension can still be paid, without any actuarial reduction at the current scheme pension age (Classic, Premium, Classis Plus - 60, and Nuvos - 65).
However, if you are still accruing Alpha pension, partial retirement would have to be taken in order to access the non-Alpha pension benefits.
Information about partial retirement is available via the Scheme guides and forms page.
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