Along with your salary, your pension is one of the most important benefits of joining the Civil Service
Along with your salary, your pension is one of the most important benefits of joining the Civil Service. It provides you with financial security and options when you retire, as well as benefits for your family and loved ones. Some of the benefits of a Civil Service pension include:
If this is the first time you’ve worked for a public sector employer, you’ll be able to choose between alpha (a ‘career average’ scheme) and partnership (a ‘defined contribution’ arrangement).
In alpha your pension builds up quickly when you add your member contribution to your generous employers contribution. For example, if you earn between £23,101 and £45,500, you will contribute 5.45% of your salary and your employer will contribute 27.1%, meaning for every £1 you contribute, your employer will contribute almost £5.
The partnership pension account is and alternative to the Civil Service Pension Scheme and is managed by a third party - Legal & General.
You can choose how much you want to contribute and the money that you and/or your employer pay into your plan builds up your pension pot. Your pension pot is invested in one or more of Legal & General’s investment funds. The aim of an investment fund is to grow the value of your pension pot but this isn’t always guaranteed. You can decide what to do with your money, and how you take it from age 55, whether or not you’ve stopped working.
A Civil Service pension allows you to nominate a beneficiary (including charities) for a tax-free lump sum in the event of your death.
Some of the other benefits a Civil Service pension offers your loved ones and dependents include:
A spouse/partner/civil partner’s pension
A death benefit lump sum
A children's pension
A Widow’s or Widower’s (WPS) refund
Life assurance cover
Support from our trusted charity partners
Joining the Civil Service Pension Scheme
To join a pension scheme, complete the form inside the New Joiner Pack that you received when you started working for the Civil Service. If you didn't receive a New Joiner Pack, please contact your employer.