Guides and information sheets

You can download from this page

Guide/information sheet Contents
Smart Guide Explains about contributing to the pension through "smart" 
AVC Guide Explains about AVCs
Retiring - what to expect Explains your options at retirement 
Getting divorced - what to expect Explains how pensions are treated on divorce
Leaving the Company - what to expect Explains what will happen to your pension if you leave the Company 
'Buy Up' Guide Explains how you can increase your benefits by 'buying up'
Supplement Guide Explains your options at retirement relating to the supplement
Annual Allowance factsheet Explains the HMRC Annual Allowance
Lifetime Allowance factsheet Explains the HMRC Lifetime Allowance
Annuity Guide Explains how to purchase an annuity with your AVC fund
Taking Cash from AVCs Information Sheet Explains how you can take cash from AVCs using the 2015 legislation relating to Uncrystallised Funds Pension Lump Sums (UFPLS)
Timescales for Investing your AVCs Explains the processes and timescales for investing your AVCs once they are deducted from your salary.


Please note:

Active members: A copy of your Scheme booklet can be downloaded from Pensionline (Aon's member site).  You will need login details to access this sub-site. By signing into Pensionline, we can ensure that you receive the correct edition of the booklet. 

Deferred members or pensioners:  Please contact Aon Hewitt if you would like to receive a copy of the Scheme booklet.

Last updated:  1 November 2016


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Download all files in a single zip file
File Size Uploaded Link
pdfSmart Guide - January 2017 270.24KB 13th December 2016 Download
pdfAVC Guide - August 2017 461.03KB 21st August 2017 Download
pdfRetirement - What to Expect Guide (January 2017) 1.34MB 22nd December 2016 Download
pdfDivorce - what to expect guide - January 2017 1.28MB 20th December 2016 Download
pdfLeaving the Company - What to Expect Guide (Jan 2017) 1.22MB 22nd December 2016 Download
pdfBuy Up Guide - January 2017 204.82KB 23rd January 2017 Download
pptxSupplement Guide - January 2017 1.96MB 13th December 2016 Download
pdfAnnual Allowance Factsheet - August 2017 251.80KB 21st August 2017 Download
pdfLifetime Allowance Guide - June 2017 244.83KB 1st June 2017 Download
pdfAnnuity Guide - January 2017 252.58KB 20th December 2016 Download
pdfTaking Cash from AVCs Guide - April 2017 250.64KB 19th April 2017 Download
pdfGuidance Note - Timescales for investing your AVCs - January 2017 9.24KB 13th December 2016 Download