UBPAS

• UBPAS in Summary
• UBPAS in Detail
  • Consitution of UBPAS
  • Joining UBPAS or Opting Out
  • Contributions
  • Retirement Benefits
  • Part-time Employees
  • Payment of Pensions
  • Ill Health
  • Temporary Absence
  • Death Benefits
  • Additional Voluntary Contributions (AVCs)
  • Leaving UBPAS
  • The State Scheme
  • Dispute Resolution
  • Data Protection
• UBPAS News
• Jargon Buster
• UBPAS Forms
• UBPAS Reports
• The Small Print Bit
• Useful Links
• Trustees

UBPAS in Detail

1. Constitution of UBPAS: How UBPAS is run
2. Joining UBPAS and opting out: Eligibility criteria, opting out, opting back in, transferring benefits from other schemes, alternatives to UBPAS
3. Contributions: What it costs you; what your employer pays; how these contributions are paid; tax advantages
4. Retirement benefits: How your pension is calculated; normal retirement date; early and late retirement
5. Part-time employees: How working part-time affects your benefits
6. Payment of pensions: How your pension is paid to you when you retire
7. Ill health: What happens if ill health forces you to retire early
8. Temporary absence: What happens to your contributions if you are temporarily absent from work, e.g. through sickness or maternity leave
9. Death benefits: What benefits are payable when you die, and to whom
10. Additional Voluntary Contributions (AVCs): Payments you can make on top of your normal contribution to increase your benefits
11. Leaving UBPAS: Leaving your job, refunds, deferred benefits, transferring benefits to another pension scheme and drawing your benefits early
12. The State Scheme: Basic State Pension, SERP and the State Second Pension
13. Internal dispute resolution procedure: Complaints and appeals process
14. Data protection: How UBPAS handles information about you