Step 1 - Understand what 'smart' is

‘smart’ stands for ‘Save Money And Reduce Tax’.

'Smart' is a different way to pay towards your pension.  It reduces the amount of National Insurance contributions that you and the Company have to pay. This means that your take-home pay increases.

Step 2 - Understand how 'smart' affects you

The Smart Guide below explains how 'smart' works and provides information to help you make your decision about 'smart'.

Please note that by participating in 'smart' you are agreeing to a change in your terms and conditions of employment. 

Step 3 - Join smart and take home more pay

You can elect to join (or leave) smart at any time.

If you wish to join (or leave) smart download the 'Opt in or out of smart' form below and return it to the Pensions Department at Box 205.



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Download all files in a single zip file
File Size Uploaded Link
pdfSmart Opt in/out Form - January 2017 70.08KB 13th December 2016 Download
pdfSMART QA August 2013 277.83KB 27th August 2013 Download
pdfSmart Guide - July 2018 139.52KB 12th July 2018 Download