No longer paying into a final salary pension

My benefits

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When you leave the RPS, the benefits you saved will be frozen (or ‘preserved’) until you’re ready to retire.

As a preserved member, you’re still entitled to a great range of benefits from your RPS pension. 

These could include some, or all, of the following:

  • a pension for the rest of your life once you retire;
  • a lump-sum, which is currently payable tax-free, when you retire;
  • a lump-sum payment to your beneficiaries if you die before claiming your pension;
  • pensions for your two youngest eligible children until they are 18 – or older at the Trustee’s discretion if they are disabled or in full-time education;
  • a pension for your eligible or legal spouse; and
  • a pension for eligible dependants (adults who have been fully or largely dependent on you financially in the two years before your death).

Every April, you may also receive an increase to your benefits. This increase is set by government orders and, in recent years, the percentage of the increase has been based on the Consumer Prices Index (CPI) figure for the previous September. Your Member Guide will tell you when this annual increase will stop, but for most Sections of the RPS it will be at Normal Retirement Age. You can find a copy of your Member Guide in the Library section of  myRPS. Log in or register for myRPS.

Request an estimate

You can ask for an estimate of your benefits at any time. This will show how much they’re expected to be worth, and explain your options when you retire.

Call the Helpline on 0800 2 343434 or email to request an estimate.

When contacting RPMI, please quote your pension reference number - you can find this on the 'Membership details' page, under the 'My Details' section of myRPS'.

Claiming your benefits

See the Applying for my RPS pension page for more information on how to claim your benefits.
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