Over the next 18 months, we’ll offer you a choice between your final salary benefits and your CARE benefits for your service between 1 April 2015 and 31 March 2022. This is called the Remedy period.
These are sometimes known as ‘legacy’ benefits and ‘reformed’ benefits.
To help you decide, we’ll send you a choice letter, known as a Remedial Service Statement (RSS). This will show your pension benefits side-by-side in your final salary and CARE scheme for the Remedy period, to help you decide which option is the right one for you.
When we’ll contact you
We're contacting retired members in stages, starting with members who retired because of ill health.
We’ll start writing to members from October 2023, and we’ll contact everyone with a Remediable Service Statement by April 2025.
Don’t worry if you don’t hear from us until later in 2024 or 2025 – you’ll have 12 months from receiving your options to make a choice.
After you make your choice, any change to your payments or tax-free lump sum will be backdated to your retirement date.
If you need help with your retirement planning, you may want to seek help from a professional financial adviser.
I’ve received an Ill Health Retirement Review letter
We’re reviewing ill health pensions for members who are eligible for 2015 Remedy. This is to understand whether you would have been eligible for ill-health benefits under your alternative pension scheme.
We’ll use the evidence that was provided at the time of your original application so you won’t need to send us any new information or be examined by a medical professional.
Please be assured that the outcome of this review could mean you’re entitled to a larger pension than you currently receive. We can guarantee that you won’t receive a lower pension.
Once the review is completed, we’ll contact you with the outcome and tell you what to do next. We won’t make any changes to your pension as a result of the review.
If you don’t want us to review your pension
You need to let us know. Doing this will mean you’re still eligible for 2015 Remedy but your Remediable Service Statement might not include ill-health benefits for your alternative pension scheme.
You can tell us by returning the decision form included with the letter.