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Birmingham Midshires Pension Scheme Members' Guide

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Birmingham Midshires Pension Scheme Members' Guide BIRMINGHAM MIDSHIRES PENSION SCHEME MEMBERS' GUIDE CONTENTS 1 Definitions 2 Membership 3 Contributions 4 Additional voluntary contributions (AVCs) 5 Tax relief 6 Retirement benefits (including taking benefits early) 7 Leaving HBOS or the scheme 8 Benefits on death while a contributing member 9 Benefits on death after pension starts 10 State pension scheme 11 Other important matters 12 Further information BIRMINGHAM MIDSHIRES MEMBERS' GUIDE This is a guide to the wide range of benefits provided by the Birmingham Midshires Pension Scheme. The Scheme provides a pension related to salary and other benefits, which can provide important financial support to you and your family. This guide gives a brief summary of the Pension Scheme. It is not a substitute for the Trust Deed and Rules, which constitute the legal basis of the Scheme. If there is any inconsistency between the terms of the Trust Deed and Rules of the Scheme and this guide, the Trust Deed and Rules as amended from time to time will prevail. Copies of these documents and further information about the Fund can be obtained from: Group Pensions HBOS plc 5th Floor Collinsons Trinity Road Halifax West Yorkshire HX1 2RG 0845 128 1400 E-mail: [email protected] 1. DEFINITIONS This section contains certain terms used in this guide. Actuary - the actuary appointed by the Trustees as Scheme Actuary Child or Children - normally means a child under age 18. Employers - means the Principal Employer and any body associated with the Principal Employer that participates in the Scheme. Final Pensionable Salary - is the greater of: (a) your basic salary for the 12 month period ending at the date your Pensionable Service ends Or (b) the average of the best three consecutive years' Pensionable Salary during the last 10 years prior to leaving Normal Retirement Date - means age 60. Pensionable Salary - means your annual rate of basic salary excluding bonuses, overtime, shift pay or other fluctuating emoluments. However, for certain members Pensionable Salary includes commission earnings to a specified limit. Pensionable Service - means service in years and days for which you have been a member of the Scheme, including any service transferred in from another pension arrangement and service credits granted to certain members following changes to their Normal Retirement Date. Potential Pension - means the pension based on Final Pensionable Salary and the period of pensionable employment, which you would have completed if you had remained in service until your Normal Retirement Age. Principal Employer - HBOS plc Scheme - Birmingham Midshires Pension Scheme Spouse - means your legal spouse or civil partner. It may also mean a person (other than a Child) who the Trustees regard as financially dependent on you to a substantial extent. Trustees - means the Trustees for the time being of the Scheme. 2. MEMBERSHIP Can I join this pension scheme? No, the Scheme is closed to new members. Can I transfer my pension benefits from a previous employment? The Trustees may accept transfer payments from other pension arrangements. Transfers will usually be accepted, provided that the transfer value is sufficient to pay for any Guaranteed Minimum Pension (refer to "10. STATE PENSION SCHEME") that is also transferred. If you wish to consider such a transfer, you should contact the Pensions Administrator. Can I opt out of the Scheme? Yes, but you must inform the Pensions Administrator in writing. If you opt out, your membership will cease at the end of the month following that in which Group Pensions Department receives your letter. Your benefits for opting out are explained in "7. LEAVING HBOS OR THE SCHEME". If you choose to opt out, but remain with your Employer, you will have life assurance cover (refer to "8. BENEFITS ON DEATH WHILE A CONTRIBUTING MEMBER") of four times your Pensionable Salary. If I leave the Scheme, may I rejoin at a later date? No. 3. CONTRIBUTIONS How much do I pay to the Scheme? You currently pay 4.75% of your Pensionable Salary. The Principal Employer may vary this contribution from time to time and you will receive notice of any change. Your contributions will cease when your Pensionable Service ends. Do I get tax relief on my contributions? Yes, subject to limits set by HM Revenue & Customs (see "5. TAX RELIEF"). As contributions are deducted from salary before tax is calculated, you currently receive tax relief automatically at your highest rate(s) of income tax. What happens to my National Insurance contributions? As a contributing member of the Scheme you are contracted-out of the State Second Pension (refer to "10. STATE PENSION SCHEME") and, consequently, pay a lower rate of National Insurance Contributions. Does HBOS contribute? Yes. HBOS contributes the balance of cost necessary to provide the benefits of the Scheme, as advised by the Actuary. What happens if I am absent from work through maternity / family leave? During any period of paid maternity / family leave, your Pensionable Service will continue but you will not be required to pay Scheme contributions. For periods of unpaid maternity leave, you will not pay Scheme contributions. However, you may pay them on your return if the Principal Employer agrees. If you do not pay them, your Pensionable Service will be reduced accordingly. If you opt to pay missed contributions within 12 months of returning from a period of maternity leave, no interest will be charged. If, however, your missed contributions are paid when you have been back in employment for over 12 months, following a period of maternity / family leave, interest will be charged based on the Bank of England Base Rate. What happens if I am absent from work through illness? If you suffer from prolonged illness or disability which prevents you from working, you will be become eligible to be considered to receive payment under Birmingham Midshires' Permanent Health Insurance (PHI) Scheme, subject to satisfying the rules of the insurer including the provision of appropriate evidence. The PHI scheme is designed to provide an income of 90% of your pre-disability new pay (pay after statutory deductions) less any state benefits. The payment will be made for as long as you are unable to resume any kind of employment and continue to satisfy the rules of the insurer. Arrangements exist for a reduced payment ot be made to you if you are able to resume working in a lesser capacity with Birmingham Midshires. How long is the payment made under the PHI scheme? Subject to satisfying the rules of the insurer including the provision of appropriate medical evidence, payment is made after you have been absent from work for six months and will be paid up to your Normal Retirement Date (if you continue to be absent), at which stage you will receive your normal pension entitlement. What happens in respect of pension contributions whilst I am receiving payment from the PHI scheme? Birmingham Midshires will continue to make contributions to the Scheme, and your normal pension contributions will continue to be deducted from your PHI payments. 4. ADDITIONAL VOLUNTARY CONTRIBUTIONS (AVCs) Can I pay Additional Voluntary Contributions (AVCs) to provide additional benefits? Yes, you have a choice of investment options as detailed bellow. What are the advantages of AVCs? Additional Voluntary Contributions (AVCs) allow you to increase your benefits and provide one of the most tax-effective ways of saving because: • contributions currently attract income tax relief at your highest rate(s) - refer to "5. TAX RELIEF". • the fund in which your contributions are invested benefits currently from tax concessions on its income and capital gains. • There is currently an additional HBOS contribution (see below) How do AVCs work? AVCs allow contributing members to build up a fund of money to purchase extra benefits. Your contributions build up in a separate investment account. When you take your main Scheme benefits, the accumulated contributions and investment returns in your AVC fund may be used to buy extra pension benefits. This means that you carry the investment risk and the level of benefits cannot be guaranteed. How much can I contribute? Whilst the amount of your AVCs is unlimited, your tax relief is subject to limits set by HM Revenue & Customs (refer to "5. TAX RELIEF"). Does HBOS contribute towards AVCs? HBOS will currently match half of your contribution up to a limit of 4% of your basic salary. We pay this into your investment account each month, based on your monthly basic salary. The HBOS contribution is a concessionary benefit for colleagues and may be reviewed at any time. The table below shows examples of the HBOS current contribution to AVCs. YOU PAY (BASIC PAY) HBOS PAYS (BASIC PAY) TOTAL CONTRIBUTION (BASIC PAY) 2% 1% 3% 4% 2% 6% 6% 3% 9% 8% 4% 12% 10% 4% 14% If you pay AVCs to more than one of the funds listed below, any HBOS contribution will be paid in the same proportions as your own AVCs. Can my AVCs be changed? Yes. You can start or stop your AVCs at any time. You can also increase or reduce the amount you pay if you have a pay increase or if your personal circumstances change. What benefits do AVCs provide? When your pension starts, your AVC investment will allow you to increase your benefits. If you elected to pay AVCs before April 2006, you may use them to buy pension from the Scheme or an annuity on the open market. If you elected to pay AVCs after April 2006, any pension purchased must be bought on the open market. What if I die in HBOS employment and have not taken benefits early? Your AVC fund will be paid to your dependants or your estate as a lump sum.
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