finding out

What pension benefits will I get from the state?

The state will provide a pension at state pension age depending on your National Insurance contribution history.

You can find out more about state benefits by visiting Direct.gov.uk or by asking the pension service line for a leaflet.

Old and New Benefits members are contracted out of S2P (and formerly SERPS between April 1978 and April 2002). This means you pay lower National Insurance contributions and do not usually earn any above the basic state pension while you are contracted out. A fuller explanation of contracting-out is available from the pension service line.

GPPS members pay National Insurance contributions towards the State Second Pension (S2P). This means that you can receive both the basic State pension and S2P in addition to your GPPS benefits.

Where can I get help?

Pension service line

The BBC's in-house Pension and Benefits Centre offers prompt help on everything to do with the Scheme. Our pension service line is available from 8.30am to 5.30pm, Monday to Friday, on 029 2032 2811 (internal: 01 22811).

Alternatively you can write to:

Pension Operations Manager

Pension and Benefits Centre

Broadcasting House

Cardiff

CF5 2YQ

or you can email us at myPension@bbc.co.uk

We aim to deal with 95% or more of all cases within best-practice times for the pensions industry. Our service standard is to acknowledge all the correspondence within five working days of receipt, and to give you a firm commitment of when we will deal with the matter. There are standard times for processing all routine work. When there is a delay, we will let you know and keep you informed of progress.

Under the terms of the Financial Services and Markets Act 2000, we are not authorised to give you financial advice. However, we will give you the information you need to get independent financial advice and to help make your own decisions.

We welcome suggestions for improving the service we offer.

There are many other ways you can receive help and advice. Below are some further options.

Gateway (the BBC intranet)

If you are a current employee, you can view details of your pension benefits through myDetails&Pay on Gateway. You will be able to:

  • view your current benefit statement, showing the pension you have built up to date, your projected pension at normal pension age and current death in service benefits
  • run "what if?' statements to see the effect of leaving service or taking your pension early
  • get a copy of an expression of wish form to say how you want any lump sum distributed on your death
  • if you are not married or in a civil partnership, get a form to nominate a dependant to receive a pension on your death.

Pensions Tracing Service

If you have lost track of your pension benefits with a previous employer or scheme, you can contact the Department of Work and Pensions' Pension Tracing Service. They will give you an up-to-date address for the Trustees of that scheme.

The Pension Tracing Service

The Pension Service

Tyneview Park

Whitley Road

Newcastle-upon-Tyne

NE98 1BA

Tel: 0845 600 2537

Directgov.uk

Pensions Advisory Service

The Pensions Advisory Service (TPAS) provides free help and advice to members and beneficiaries of pension schemes in connection with any question they may have or difficulty, which they have failed to resolve with the trustees or administrators of the scheme.

The Pensions Advisory Service

11 Belgrave Road

London

SW1V 1RB

Tel: 0845 601 2923

pensionsadvisoryservice.org.uk

Independent financial advice

If you want specific financial advice about your pension options you need to speak to an independent financial adviser. A panel of independent financial advisers has been selected by the BBC. Further details can be found on the Benefits site of Gateway.

AWD Moneyextra: 0845 300 4513

Origen: 01252 557002

LEBC Group: 0117 906 5530

More information about financial advice is also available from the Financial Services Authority: moneymadeclear.fsa.gov.uk.

Pensions Ombudsman

The Pensions Ombudsman has the power to investigate and determine any complaint and dispute of fact or law to do with occupational and personal pension plans.

The Pensions Ombudsman

11 Belgrave Road

London

SW1V 1RB

Tel: 020 7834 9144

pensions-ombudsman.org.uk

Pensions Regulator

The Pensions Regulator oversees the running of pension schemes and can intervene in cases where scheme trustees, employers or advisers may have failed in their duties.

The regulator has powers to protect funds held in pension schemes. It also aims to promote high standards and good practice in the pensions industry.

The Pensions Regulator

Napier House

Trafalgar Place

Brighton

BN1 4DW

Tel: 0870 606 3636

thepensionsregulator.gov.uk

What if I have a complaint?

Internal Dispute Resolution Procedure

The following is a summary of the two-stage procedure adopted by the trustees for the resolution of internal disputes.

If you are dissatisfied with anything to do with the scheme and want to make a formal complaint you, or your representative, should write giving details to the Pension Operations Manager, Pension and Benefits Centre, (M1017, Ty Oldfield), Broadcasting House, Cardiff, CF5 2YQ.

Normally the Pensions Operations Manager or the Pension Accountant will respond to your complaint within 10 working days.

If the matter is not resolved to your satisfaction, you should write to the secretary of the BBC Pension Scheme at the same address as for the first stage, explaining why you are still dissatisfied and asking that the trustees reconsider your complaint. A committee of the trustees (including at least one elected trustee) will consider your complaint. Normally you will receive a written decision within 20 working days.

If you are not satisfied with the outcome, you have the option of referring the matter to the Pensions Advisory Service or the Pensions Ombudsman.

You can get a copy of the full procedure from the pension service line.

Pensions Ombudsman

The Pensions Ombudsman has the power to investigate and determine any complaint and dispute of fact or law to do with occupational and personal pension plans.

The Pensions Ombudsman

11 Belgrave Road

London

SW1V 1RB

Tel: 020 7834 9144

pensions-ombudsman.org.uk

The BBC's in-house Pension and Benefits Centre offers prompt help on everything to do with the Scheme

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