DB Section

The defined benefit (DB) Section of the Plan is now closed to new members. It pays pensions to members based on their salary and length of service.

When you retire, you’ll receive a pension, which is an income for life. If you wish to, you can choose to take up to 25% of the value of your pension as a tax-free cash lump sum.

You remain a member of the DB Section until you either:

  • leave the Plan and transfer your benefits to an alternative pension arrangement
  • retire from the Plan and start receiving your benefits
  • die in service, when the Plan will pay benefits to your dependants.

If you’d like to increase your benefits, you can pay additional voluntary contributions (AVCs). These are paid into a personal AVC fund account which you can use flexibly at retirement in a way that suits you.

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