Added pension

If you want to take control of your retirement planning by building up more pension, then added pension could be for you.

Added pension is an amount of extra annual pension you can buy which will be combined with your Civil Service pension when you choose to take it. 

If you are in the classic scheme, your added pension will automatically buy you an additional lump sum, along with extra monthly pension.

If you’re a member of classic plus, premium, nuvos or alpha, you'll have the option to give up some of your additional monthly pension for an additional lump sum when you retire.

Eligibility

You can buy added pension if you're an active member of classic, classic plus, premium, nuvos or alpha.

You cannot buy added pension if you are in the partnership scheme, on an unpaid break, or you have left the Civil Service pension scheme.

If you've bought an EPA in the alpha scheme, it will affect how much added pension you can buy as contributions towards EPA count towards your added pension limit.

However, buying EPA does not affect the amount of additional voluntary contributions you can make to the Civil Service Additional Voluntary Contribution Scheme (CSAVCS).

Buying added pension by monthly contribution

You can choose an amount to pay each month, for example £20, or a percentage of your monthly salary.

If you buy added pension based on a percentage of your monthly salary, the amount you pay could increase or decrease if your salary increases or decreases.

You can use your scheme’s Added Pension Calculator to work out how much added pension costs to buy.

Your employer will deduct the payments from your salary to buy the added pension. All monthly contributions are non-refundable.

Monthly added pension contracts start on 01 April. However, if you apply to buy added pension within the first three months of joining the scheme, we can backdate your contributions to your start date.

You must apply to buy added pension by monthly contribution before the deadline each year. Your employer will notify you of the deadline.

You will not be able to increase or decrease your monthly payments between 01 April – 31 March.

The minimum monthly contribution is £10. There is no maximum monthly contribution limit, you can choose to pay 100% of your salary after the standard pension contributions and NI deductions, although there is an overall limit to the amount of added pension you can buy .

The limit is reviewed each year and adjusted in line with rises in the cost of living. Please see our Limits and deadlines page for more information.

As added pension rates are age-based, you'll buy less added pension in year two than in year one, because you are older. If you wanted to go on buying the same amount of added pension each year, you’d need to increase your contribution amount each year.

If you were buying added pension before you moved into the alpha scheme, you can continue to buy added pension at the same rate until the end date of your contract or until you choose to cancel it. The added pension you have built up will go towards your benefits in your previous scheme.

If you’re in classic, classic plus or premium, you can cancel your payments at any time by providing notice in writing. If you’re a member of nuvos or alpha, your contributions must be paid for the full scheme year and cannot be ceased before 31 March. 

Buying added pension by a one-off, lump sum payment

You can only buy added pension by lump sum payment if you’ve been in the Civil Service pension scheme for 12 months or more.

You can buy added pension by lump sum payment only once during the scheme year, which runs from 01 April to 31 March, any time before the deadline. See our Limits and deadlines page for more information.

You can make a lump sum contribution either via salary or cheque.

You must send a completed application form and payment to the Scheme Administrator (MyCSP) before the deadline.

There is an overall limit to the amount of added pension you can buy. The limit is reviewed each year and is adjusted in line with rises in the cost of living. See our Limits and deadlines page for more information.

The maximum lump sum contribution you can make by salary is one month’s salary after the standard pension and NI deductions.

Your lump sum payments are non-refundable.

More information

Please read our frequently asked questions to help you decide if buying added pension is right for you.

If you are in classic, classic plus, premium or nuvos, you can also read our added pension booklet. If you are in alpha, please see section 2B of the alpha scheme guide. You can find both of these guides on our publications page.

Buy added pension

If you've decided to buy added pension, you'll need to complete an Added Pension Application form.

Please read the Declaration section on the form carefully before submitting your application.

You can use your scheme’s Added Pension Calculator to work out how much added pension costs to buy. 

You can buy added pension by monthly contributions or a one-off, lump sum payment.

You can choose to make an open-ended commitment to go on contributing every month, until you either leave the Civil Service pension scheme, or choose to cancel it.