This will be reduced to reflect the fact it is being paid before age 65. The Trustee of the NatWest Group Pension Fund is aware that The Pensions Regulator has introduced emergency measures to allow defined benefit schemes to suspend transfer value quotations and payments for three months to help manage the consequences of COVID-19. This will be reduced to reflect the fact it is being paid before age 60. The pension fund is ring-fenced from the operating company, but the worst case scenario should RBS go bust is that it would be taken over by the Pension Protection Fund, which would pay you 90% of the pension you have accrued up to a maximum of just over £34,000 per annum. If you are able to take up another job, or if you have been absent from employment due to Incapacity for less than 5.5 years, the pension is calculated as your Standard Pension based on Final Pensionable Salary and Pensionable Service when you retire. an actuarial increase to reflect the fact it is being paid after current pension age. Welcome to NatWestGroupPeople.com. RBS staff forced to pay hundreds of pounds extra into their pension pots to cover the cost of Government tax grab. After normal pension age: 50% of the pension you would have received if you had retired immediately before your death (increased for payment after Normal Pension Age, ignoring any State Pension Adjustment). Pensionable Service calculated as if you stayed in service to age 60. For members who joined prior to 1 February 1977, An additional service credit is granted as in Option 1 except it is calculated by reference to pre-date of change Pensionable Service only. Your pension is calculated in the same way as your Standard Pension, based on your Final Pensionable Salary and Pensionable Service when you leave. Any State Pension Adjustment is ignored in calculating the Spouse’s pension for this purpose. The union’s senior representatives at the bank will meet this Thursday (27th … If there is any discrepancy between this Schedule Factsheets and the Trust Deed and Rules, the Trust Deed and Rules (including any amendments) will prevail. Pensionable Service will be calculated as if you had stayed in service to age 65. The Trustee receives evidence from a registered medical practitioner that you are (and will continue to be) incapable of carrying on your occupation because of physical or mental impairment. You have been absent from employment for at least 5.5 years due to the Incapacity. You have the right at any time until a year prior to normal pension age to transfer your benefits to another pension scheme provided it meets technical requirements and is willing to accept them. For female members, the credit is calculated by reference to all service. If you are a Fund member but do not think this applies to you, please contact Willis Towers Watson, The RBS Group Pension Fund, PO Box 545, Redhill, Surrey, RH1 1YX. You can also view your latest DB Pension Statement. Before normal pension age: 50% of your Standard Pension (based on your Final Pensionable Salary) but Pensionable Service will be calculated as if you had stayed in service to your Normal Pension Age. Between April 2026 and April 2028, the age will rise from 66 to 67. KenGen Staff Retirement Scheme is a scheme that is in charge of developing and safeguarding retirement benefits by providing sufficient sustainable benefits and pension to members through prudent investing in member's contributions and scheme assets. Your Name and Address on your pension record, the Date you joined the scheme (indicated on your benefit statement), and if applicable the Date you left the scheme (indicated on your leaving statement). This will be increased to reflect the fact that it is being paid after your current normal pension age, or date of change (if later). Note that the annual pensionable pay limit does not affect this benefit. Between April 2026 and April 2028, the age will rise from 66 to 67. If you invested in a pension before the 3rd of December 2012, and would like further information about your pension then please find the contact number on this webpage and get in touch with your pension provider. The maximum amount is generally 25% of the value of your pension. RBS accused of 'shameless' £18m raid on staff pension scheme to cover payroll costs. The total amount is as set out below: A single Qualifying Child – total amount: 20% of your Pension (50% if there is no Qualifying Spouse). Any State Pension Adjustment is ignored in calculating your pension for this purpose. The pension will be calculated as set out above. RBS head of human resources Neil Roden said: "The rising cost of pension provision is an issue for RBS and for all companies at this time. The Trustee does not intend to introduce any restrictions or delays at this time, but this will remain under review. This schedule compares the benefits of a member who has retained a Retiring Age of 60 (Option 1) with those of a member who has elected to switch to the Retiring Age 65 schedule (Option 2). RBS said it has no plans to close the final salary schemes. The Pensions Act 2014 also lays out changes to the State Pension age for the future. Published: 10:20 EST, 21 March 2016 | Updated: 13:40 EST, 4 April 2016 What happens if you opt out or stop working for RBS (referred to as ‘leaving service’), What happens to my Fund benefits if I get divorced. The pension may be reduced if you married/entered into the civil partnership after retiring or leaving service (whichever occurs first) and within 6 months of your death. Retirement after age 65 (Trustee consent required). Also please be extremely vigilant about potential pension scams. Any changes are marked by a coloured row. If the State Pension Adjustment has already been applied to your pension, then this will be calculated as if it had not. Lump sums can be converted to additional pension for spouses, dependants or children with the permission of the Trustee. The benefits you receive from the Fund will depend upon which schedule of the Trust Deed and Rules governs your benefits. If you opt to leave Pensionable Service after 65 and choose to defer taking your pension, this will be increased to reflect the fact it is being paid after age 65, or date of change (if later). Retirement before current normal pension age (after age 55) (Trustee consent required). After normal pension age: 50% of your Standard Pension (calculated as if you had retired immediately before your death). Lump sums can be converted to additional pension for spouses, dependants or children with the permission of the Trustee. The increase will reflect the period between the date on which you opt out and the date you begin to receive your pension. It is however exceptionally important that if you are considering transferring out your benefits that you take independent financial advice. In fact, current UK Law requires the Trustee to obtain this confirmation if your transfer value exceeds £30,000. However, the child must be under 18 (or under age 23 and in full time education or training). If you opt to leave Pensionable Service after 65 and choose to defer taking your pension, this will be increased to reflect the fact it is being paid after age 65, or date of change (if later). The Pension age is likely to continue to rise in line with increases in life expectancy. Accrual rateThe proportion of your earnings you’ll get as a pension for each year in the scheme (commonly 1/60th or 1/80th). State Pension Up to £115.95 PER WEEK State Second Pension (S2P) Current State Second Pension Based on earnings —RBS Defined Benefit pension schemes were ‘contracted out’ of State Second Pension —Hence, employer and employee paid a lower rate of National Insurance —Bank unable to ‘contract out’ of the New State Pension A Child’s Pension can be paid to a Qualifying Child. Following the sale of the KPMG Pensions business and the launch of the new company Isio Group Limited (known as "Isio"), you will find some minor changes to the member web site, however you will still be able to access the same information about your pension … Increases in Pensionable Salary are made only on 1 April each year. A sales and marketing database for targeting pension fund contacts. This will normally be reduced to reflect the fact it is being paid before age 65. High Street bank RBS is set to scale back on the benefits to staff in its final-salary pension scheme. Your Name and Address on your pension record, the Date you joined the scheme (indicated on your benefit statement), and if applicable the Date you left the scheme (indicated on your leaving statement). I have left the bank or opted out of the Fund. In RBS this accrual is normally 1/60th, but there are some exceptions. Two Qualifying Children – total amount: 35% of your Pension (70% if there is no Qualifying Spouse). The Royal Bank of Scotland Group Pension Fund NatWest Market Pension Fund (Secretarial and Clerical Employees) This schedule compares the benefits you are currently entitled to with those you will be entitled to under the new schedule. The lump sum is payable to one or more of your relatives, financial dependants or nominees as the Trustee decides. The investments are also planned to compensate the scheme’s trustees for the triennial valuation as of 31 December 2017, which has been accelerated from 31 December … NatWestGroupPeople.com provides you with access to a wide range of information about what is available to you as an employee or pensioner of the Group. NATWEST PENSION TRUSTEE LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual return, officers, charges, business activity Discretionary increases: The Trustee regularly reviews pensions in payment and can provide a greater increase (subject to certain limits). If you are a Fund member but do not think this applies to you, please contact Willis Towers Watson, The RBS Group Pension Fund, PO Box 545, Redhill, Surrey, RH1 1YX. Guidance on RBS Group Ex Staff Pension - Need Help Pensions, Annuities & Retirement Planning. 4 times your basic salary (or salary element of ValueAccount) at date of death. Retirement at current normal pension age (No consent required). This schedule compares the benefits of a member who has retained a Retiring Age of 60 (Option 1) with those of a member who has elected to switch to the Retiring Age 65 schedule (Option 2). active member | I get a pension income from the Fund. Royal Bank of Scotland plans to cut pension benefits for tens of thousands of UK employees as it reins in costs, angering unions which accused the lender of dealing a "body blow" to staff. RBS head of human resources Neil Roden said: "The rising cost of pension provision is an issue for RBS and for all companies at this time. It is however exceptionally important that if you are considering transferring out your benefits that you take independent financial advice. Plus, an amount equal to any other contributions you made to the Fund, increased by 3% compound. However, if you retire at the request of your Employer there will be no reduction. The pension will be calculated in the same way as your Standard Pension (based on your Final Pensionable Salary and Pensionable Service when you retire). Alternately, a pension may in certain circumstances be paid to a dependant or Qualifying Partner. The pension will be reduced if you married/entered into the civil partnership after the earlier of (a) leaving service and (b) reaching normal pension age and within 6 months of your death (and the Trustee can pay the balance to another of your financial dependants). Thousands of staff facing redundancy at the Royal Bank of Scotland are entitled to a full pension at 50 – like their disgraced former boss Sir Fred ‘The Shred’ Goodwin. RBS's decision, which will affect a third of its UK staff, sits uncomfortably with Sir Fred's controversial £8.3m pension top-up that would have paid him £703,000 annually. Change category. Alternately a pension may in certain circumstances be paid to a dependant or Qualifying Partner. to the Royal Bank of Scotland Group Pension Fund. The pension may be reduced if you married/entered into the civil partnership after retiring and within 6 months of your death. Some specific offers are available only for current RBS employees. Transfer up until a year before your current normal pension age. This may be different from your current schedules. Any changes are marked by a coloured row. This will be increased to reflect the fact it is being paid after age 65. This follows the appointment of Carol Young (pictured) as head of pensions, benefits and international mobility in February. This will be reduced to reflect the fact it is being paid before age 65. Varies (although generally 60) – confirmed to individuals and shown on annual benefit statement. The Trustee can in exceptional circumstances (e.g. the total amount will be divided among Qualifying Children as the Trustee decides. It does not confer any entitlement to those benefits. Employees within these entities will be transferred to new sections of the RBS … Before normal pension age: 50% of your Standard Pension (based on your Final Pensionable Salary at death) but Pensionable Service will be calculated as if you had stayed in service to your normal pension age. The pension statements are also scheduled to be mailed to your home address by June 19, 2020. This will be increased to reflect the fact it is being paid after age 65. disability) continue to pay a pension to a child beyond age 23. 3 replies 6.5K views Knighttrader Forumite. RBS warns staff they will have to work longer or contribute to pension . You have the right at any time until a year prior to Normal Pension Age to transfer your benefits to another pension scheme, provided it meets technical requirements and is willing to accept them. The Trustee may require written confirmation and seek appropriate authorisations from your financial adviser before processing any request to transfer out as this is an irreversible decision. The Trustee may apply a State Pension Adjustment to pre-1 January 2002 Pensionable Service. This article is more than 8 years old. Before normal pension age: 50% of your pension including revaluation from leaving service to the date of death (ignoring any State Pension Adjustment). Your benefits can be amended at any time by agreement between National Westminster Bank plc (or any successor as ‘principal employer’ in relation to the Fund) and the Trustee. Retirement between current normal pension age and 65. Guidance on RBS Group Ex Staff Pension - Need Help. You have been absent from employment for at least 5.5 years due to the Incapacity. Your pension will increase each year by the lower of: • The increase in an index agreed between the Bank and Trustee (currently Retail Price Index); and. You can also watch a short video about pension scams in our Video Hub. This member guide has been prepared by the Fund Trustee to explain your benefits and options in order to help you make the most of the Fund. This means that even if workers get a larger pay increase or promotion, … Its current policy is to do so in cases of Voluntary Redundancy (this policy is subject to change and could be withdrawn in future). Visit our COVID-19 support hub to find out how the pandemic might be affecting your pension and for answers to frequently asked questions about your retirement plans.. Death as a deferred before pension starts. What happens if you retire on Incapacity (ill-health) grounds? Years and complete months of Pensionable Service while you are a member of the Fund. *Please note that under the new schedule the basis for increasing pension for late payment and reducing pension for early payment are decided between the Bank and the Trustees after considering actuarial advice. The Royal Bank of Scotland Group Pension Fund RBS Staff Pension Scheme (First and Second Schedules) RBSelect RBS4_76579 This schedule compares the benefits you are currently entitled to with those you will be entitled to under the new schedule. About this site . A Qualifying Partner is a person who (a) you have nominated for this purpose (or who the Trustee nevertheless decides to include) (b) has been cohabiting with you for at least 6 months when you die, and (c) is financially dependent on you when you die. A Qualifying Partner is a person who (a) you have nominated for this purpose (or who the Trustee nevertheless decides to include) (b) has been cohabiting with you for at least 6 months when you die, and (c) is financially dependant on you when you die. active member | The State Pension Adjustment applies to pre 1 January 2001 Pensionable Service. Welcome to NatWestGroupPeople.com. Your Passport or Driving licence number (we use this information to validate your name, address and other personal information supplied by you against appropriate third party databases and will lead to a … Access this site from home: Bookmark this page : … In the meantime, please check that you are able to access to My Pension and Benefits Portal. Revaluation to current normal pension age. This means your own child, a child who you adopt, a stepchild (provided they are financially dependent on you), any child who would have qualified under the RBS Staff Pension Scheme (First and Second Schedules) and any child who is dependant on you who the Trustee decides to include. You should read this document if you transferred to the Royal Bank of Scotland Staff Pension Scheme on 1 October 1985 and elected to remain on similar terms as your previous scheme and subsequently joined the Fund on 5 April 2002. When you retire, you will be able to choose to give up part of your pension for a lump sum as described above. Spouse’s Pension on Death after retirement. These two parts of pension are your ‘Standard Pension’. it will continue to apply to all pre 1 January 2001 service regardless of whether option 1 or 2 applies). Highest Pensionable Salary over any period of 12 consecutive months in the last 5 years before you leave Pensionable Service, retire or die (whichever occurs first). What happens if you retire on incapacity (ill-health) grounds? For male members it is calculated by reference to post-17 May 1990 Pensionable Service only (and will be apportioned accordingly). RBS - the Plan. The changes to normal pension age do not affect its application (i.e. HR People Services: 0808 100 4242 Disability Cover For all enquires please call HR People Services. You should read this document if you were a member of the Royal Bank of Scotland Staff Pension Scheme … … Do you have five minutes to take part in a survey? The act also states that the Government will then review the State Pension age every five years. Published: 10:20 EST, 21 March 2016 | Updated: 13:40 EST, 4 April 2016 When you retire, you will be able to choose to give up part of your pension for a lump sum as described above. The Schedule Factsheet summarises and describes the benefits payable from the Fund under the relevant Schedule. it will continue to apply to all pre-1 January 2002 service regardless of whether option 1 or 2 applies). 10 things to think about before transferring out, ten things you should consider first here. He said only one third of staff are members of the UK defined benefit pension scheme, which was closed to new members in 2006. The pension is calculated as the pension you are receiving when you die and does not include any allowance for increases after your death. Two Qualifying Children – total amount: 35% of your Pension (70% if there is no Qualifying Spouse). Any changes are marked by a coloured row. The Trustee determines the amount which would be payable after considering actuarial advice. The pension is calculated as the pension you are receiving when you die and does not include any allowance for increases after your death. based on Final Pensionable Salary and Pensionable Service when you retire. Can I transfer just part of my benefits out of the Fund? 2 …to your member guide to The Royal Bank of Scotland Group Pension Fund (the Fund). What happens if you opt out or stop working for RBS (referred to as ‘leaving service’)? The Trustee determines the amount which would be payable after considering actuarial advice. The balance of 5 years’ instalments of pension. 9 June 2008 at 1:53PM edited 30 November -1 at 12:00AM in Pensions, Annuities & Retirement Planning. RBS head of human resources Neil Roden said: "The rising cost of pension provision is an issue for RBS and for all companies at this time. Your pension will increase each year by the lower of: However, increases on any pension you built up in respect of pensionable service between 6 April 1997 and 5 April 2005 will be subject to a minimum, currently based on the Consumer Prices Index capped at 5%. Download The RBS Irish and Offshore Schemes include: The RBS International Pension Trust The Isle of Man Bank Pension Fund However, increases on any pension you built up in respect of pensionable service between 6 April 1997 and 5 April 2005 will be subject to a minimum, currently based on the Consumer Prices Index capped at 5%. If you leave no surviving spouse/registered civil partner the Trustee will treat any Qualifying Partner as your spouse. The balance of 5 years’ instalments of pension. This schedule does not apply to Royal Bank section members. Save on thousands of products and services through valuable everyday discounts and stay informed of exclusive sales, retailing events, local and national promotions. Multi-Quote Added The defined benefit scheme doesnt work on the basis of value. an actuarial increase to reflect the fact it is being paid after age 60. The Bank and the Trustee can agree to waive the early payment reduction. Similarly if a fund decreased in value more than other funds in the pension, it would become worth less as a percentage of the overall pension and its importance to future performance would decrease. The Fund is an occupational pension scheme and is governed by the Trust Deed and Rules which set out the full terms on which the Fund is governed, and the terms on which benefits are provided and contributions are paid. Multi-Quote Added The defined benefit scheme doesnt work on the basis of value. All Rights Reserved. Unite, Britain’s biggest union, has described RBS’s planned cuts to its pension scheme as a ‘body blow’ to its 60,000 staff. The pension will be calculated in the same way as your Standard Pension (based on your Final Pensionable Salary and Pensionable Service when you retire) and will be reduced for early payment (other than in situations detailed below). Final-Salary pension scheme married/entered into the civil partnership after leaving Service and before 60! 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The Trustee regularly reviews pensions in payment and, if necessary, update the address we have on file you. Partner the Trustee since opened up a range of possibilities for DC members! January 2002 Pensionable Service from taking up any employment with any employer Price index ) ; and fact... Cost of Government tax grab retire, you can choose to give up part of the Trustee regularly reviews in... Is subject to an earnings cap which has been notified to you except with reference to all.... One or more Qualifying Children as the pension statements are also scheduled to be mailed to your current pension...

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