Read as you Need guides

Read As you Need guides have in-depth information about some of the more complicated pension topics you may come across.

Guides for all members

Annual Allowance tax limits (pdf)

689 KB

Lifetime Allowance tax limits (pdf)

640 KB

Paying tax on pension savings over the Annual Allowance (pdf)

622 KB

A guide to trivial commutation (pdf)

580 KB

A guide to pension freedoms and choices (pdf)

483 KB

Transfer options (pdf)

541 KB

Valuation (pdf)

225 KB

Pay restructuring (pdf)

772 KB

Guide on divorce (pdf)

465 KB

Protected Pension Age (pdf)

463 KB

Guides for active (contributing) members

Guide for family leave (pdf)

678 KB

Guide to protected rights (pdf)

461 KB

Guide to part-time work (pdf)

454 KB

Guide for members applying for incapacity benefits (pdf)

34 KB

Guide to end of contracting out (pdf)

458 KB

Guide to retirement options from the Railways Pension Scheme (pdf)

523 KB

Guides for IWDC active members:

A guide to retirement options (pdf)

765 KB

A guide for members applying for incapacity benefit (pdf)

70 KB

Guides for BRASS, AVC Extra and IWDC active members:

A guide for BRASS members (pdf)

566 KB

A guide for AVC Extra members (pdf)

704 KB

Statutory Money Purchase Illustrations (pdf)

513 KB

Active Network Rail members

A guide for Network Rail members of BRASS (pdf)

569 KB

Guide for members applying for incapacity benefits (Network Rail) (pdf)

34 KB

Guides for retired members

Guide to your pension payments (pdf)

460 KB

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