A guide to your Deferred Pension

1 a guide to yourDeferredPension Benefit StatementPage 02 Contents Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 10 Page 12 Page 14 Page 1 6 Page 18 About this guideWhat is your Deferred Benefit Statement?Your personal detailsYour scheme membership Your death benefit nominees Your Deferred alpha benefitsYour Deferred classic benefitsYour Deferred classic plus benefitsYour Deferred premium benefitsYour Deferred nuvos benefitsGlossaryPage 03 Welcome to your Deferred Pension Benefit Statement guide is for members who have left the Civil Service with a Pension Deferred until their scheme Pension should find the statement easy to follow, but if you want some help finding your way around it, this guide is here to help you. It contains a helpful glossary (at the end of the guide ) explaining key Pension terms.

2 You can update your personal information by either emailing your updates to us or sending your updates by post. This enables you to keep your Pension record up to date. For more information see page guide supplements the information in your Deferred Pension Benefit Statement and helps you to get the most out of it. However, if you have any queries that aren t covered here, please remember that further resources are available on the Civil Service Pensions website: Pensions can be complicated, so to help you, we ve only included general Pension information in this guide . If you require more detailed, specific information, always read the relevant scheme guide on the Civil Service Pensions website. This is a generic guide but the information contained in your statement is relevant to the Civil Service Pension arrangement you were a member of.

3 Information relevant to your scheme can be found on the following pages: l alpha page 8 l classic page 10 l classic plus page 12l nuvos page 14l premium page 16 About this guidePage 04 Further information on how to claim your Deferred Pension can be found in a What to Expect guide , which is available on the scheme : Your benefit statement is not a quotation. A quotation can only be produced when you is yourDeferred Benefit Statement?The Civil Service Pensions arrangements are managed by the Scheme Manager, Cabinet Office, and administered by Deferred Pension Benefit Statement shows the benefits you have in the Civil Service Pensions arrangements. If you have paid Additional Voluntary Contributions (AVCs), you should have received a separate statement from your AVC provider at the date of leaving.

4 For more information on AVCs please contact your AVC statement provides you with an opportunity to check the information that the scheme holds about you. Page 1 PERSONAL From: Civil Service Pensions PO Box 2017 Liverpool L69 2BU UK Tel: xxxx xxx xxxx Tel (Intl): +xxxxx xxxxxx Opening hours: xxxx xxx xxxx Our ref: <Member No.> Date: Your Benefit Statement Dear insert name This statement has been produced following your request for details of the Deferred Pension benefits you have in the Civil Service Pension arrangements. Reading your statement is an important step in understanding your Pension benefits and how they are calculated. It is key that you read it in conjunction with the Important notes section at the end. This statement shows your benefits as at the statement date.

5 More information is available online visit The Civil Service Pensions website is full of information to help you understand your benefits and make the most of the options available to you. There s a section dedicated to Deferred members where you ll find the answers to frequently asked questions and a step-by-step guide that walks you through your statement. Do you have a query? Please read your statement carefully and check the information against your own records to make sure it s correct. We have produced this statement using the information that we hold. The disclosure of information regulations require us to provide particular information to you that is shown in this statement. In some instances we may not have complete records. If this is the case we have included estimates, which will be highlighted in bold* on your statement.

6 If you have a query about your statement, please email your query to or post it to the above address. Don t forget to include your name, date of birth and Our ref from the start of this letter. Please remember to advise us of any change in your address or personal circumstances so that we can keep our records up to date. Yours sincerely, Debra Soper For and on behalf of Civil Service Pensions Page 05 Your personal detailsThis section provides a summary of your personal details; your name, date of birth, National Insurance number and pensionable earnings at the date you left the Civil Service Pensions you wish to query the information we hold, please tell the scheme administrator so they can check your details and amend them as on how to update your personal details can be found you wish to update your personal information you should send an email to attaching copies of any supporting documentation.

7 Please note we will always need original documentation if your request is in relation to changing your name. You can also send this by post to: MyCSP Ltd, PO Box 2017, Liverpool, L69 remember to include your name, date of birth and Pension reference (shown at the top of your statement) so we can easily trace your : You will be given the opportunity to check your details again before any benefits are put into payment. Page 3 Your personal details Name: name Date of birth: dob National Insurance number: XXXXXXXXX Pensionable earnings at date of leaving: Pensionable earnings Your scheme membership alpha: You built up Pension in alpha from [DOJalpha] to [DOLalpha]. classic: You built up Pension in classic from [DOJclassic] to [DOLclassic]. premium: You built up Pension in premium from [DOJpremium] to [DOLpremium] classic plus: You built up Pension in classic plus from [DOJclassicplus] to [DOLclassicplus] nuvos: You built up Pension in nuvos from [DOJnuvos] to [DOLnuvos] Page 06 Your scheme membershipYour scheme membershipThis section shows the period of service you have built up in the Civil Service Pensions arrangements.

8 If you think the details of your scheme membership are wrong, please contact the scheme is a generic guide but the information contained in your statement is relevant to the Civil Service Pension arrangement you were a member of. Information relevant to your scheme can be found on the following pages: l alpha page 8 l classic page 10 l classic plus page 12l nuvos page 14l premium page 16 Scheme name: You built up Pension in XXXXX].Page 07 Your death benefit nominee(s) This section of your statement shows your current nomination(s). If this section is blank it means we don t have a death benefit nominee held on your record. If we don t hold a nominee for you, any lump sum will be paid to your personal make a new death benefit nomination or to change your current nomination, complete the relevant form that can be found on the Member Forms page of the Civil Service Pensions more information about death benefits read the Quick Start guide : Peace of Mind , which is available on the Quick Start page of the Civil Service Pensions website: Page 3 Your personal details Name: Name Date of birth: DOB National Insurance number: XXXXXXXXX Pensionable Pay at date of leaving: xxxx Your death benefit nominee(s) Name: Anne N Other Address: Address line 1, Address line 2 Address line 3, XXXXX Name: Anne N Other Address.

9 Address line 1, Address line 2 Address line 3, XXXXX Name: Anne N Other Address: Address line 1, Address line 2 Address line 3, XXXXX Name: Anne N Other Address: Address line 1, Address line 2 Address line 3, XXXXX ( i ) If this section is blank, we don t have any death benefit nominees on your record. If you are a member of classic you can only have one nominee. If you are a member of another section and have chosen more than 4 nominees then only 4 will be displayed on this statement. If you want to add a nominee, or change your nominee details you can find a nomination form on the Member forms page of the Civil Service Pensions website: More information about your death benefit nominee(s) is available in the Important notes at the end of this statement.

10 Page 08 Your deferredalpha benefitsalpha is a Career Average Revalued Earnings (CARE) scheme. Pension benefits can only be paid in line with the rules of the scheme. Your statement doesn t override them. You can read the rules of the scheme on the Civil Service Pensions your Pension is worked outalpha in alpha you build up Pension of of your pensionable earnings each year that you are an active member. Each year the benefits you have earned are adjusted in line with the change in prices set by Treasury alpha Normal Pension AgeThis is the same as your State Pension age (or age 65 if your State Pension age is less than 65). Your alpha Deferred Pension at the date you left the schemeThe amount of alpha Pension benefits shown, is made up of the Pension you ve built up to the date you left alpha.