Prospective members FAQ

What pension choices do I have?

If this is the first time you have worked for a public service employer, you will be able to choose between – alpha, which is a ‘career average’ scheme and partnership which is a ‘defined contribution’ arrangement. You can find details of alpha and partnership here.

If you have worked for a public service employer in the past, you may have different choices. Your employer will give you details of these.

Click on the links below to view information booklets.

Who can help me decide which pension scheme to join?

Neither your employer nor MyCSP, the scheme administrator, can give you financial advice. You should speak to an Independent Financial Adviser if you need advice about your pension. The link below will help you find an adviser:

www.fca.org.uk/consumers/finding-adviser

If I decide to join the pension scheme, can I opt out at a later date?

Yes. You should read the opting out factsheet, which is attached to the opting out form and can be found on the members publications page using this link

http://www.civilservicepensionscheme.org.uk/members/publications/

This will help you understand what you will be giving up if you leave the scheme. You may wish to consider consulting an Independent Financial Adviser before making a decision.

If I choose partnership now but change my mind at a later date, will I be able to swap?

Yes. You are allowed to switch once from partnership to the scheme you are eligible for and vice versa. Switching can occur only at any point, but only once during a 12 month period. This can be done by completing the switch form which must be sent to your HR Department two months before the switch date.

Joining

How do I join the pension scheme?

Your employer will help you with this and will give you a starter pack containing information about your pension choices.

Death benefits

How do I nominate someone to receive a death benefit lump sum in the event of my death?

Paying for your pension

How much will I pay if I join the Civil Service Pension arrangements?

If you join alpha, nuvos, premium, classic plus or classic (depending on which scheme you are eligible for) you will pay a percentage of your pensionable earnings into the pension scheme. The current contribution rates can be found here.

If you join partnership, your employer will make a contribution to your pension related to your age. The level of contributions you make on top of that is up to you. For more information see scheme guide.

Will I receive tax relief on my pension contributions?

Yes. Pension contributions paid to pension schemes like nuvos and partnership attract tax relief.

How much will my employer pay towards my pension?

Your employer will contribute towards your pension. The actual amount your employer will pay depends on your pensionable earnings. The percentage contribution is set by Cabinet Office. Details of the rates can be found here.

Transfers

Can I transfer other pensions into the scheme?

Yes. If you are interested in transferring in a pension, you should indicate this on the transfer in form or contact MyCSP.

You must be an active member and in satisfactory health for the scheme to consider accepting a transfer in. You must send your application to MyCSP within 12 months of joining.

Can I apply to transfer a pension from overseas into the scheme?

Yes. You may apply to transfer in a pension from overseas provided that it is from a qualifying recognised overseas pension scheme.

You must be an active member and in satisfactory health for the scheme to consider accepting a transfer in. You must send MyCSP your application within 12 months of joining the scheme.

You can find the form using this link:

www.hmrc.gov.uk/pensionschemes/qrops.pdf

How do I apply to transfer other pensions into partnership?

You should tell your partnership provider that you are interested in transferring in a pension using the partnership application form. Your partnership provider will then give you the information you will need.

General

Where can I find more information about the pension scheme(s)?

How do I contact the scheme administrator, MyCSP?