|
|
|
|
|||||||||||
|
 |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Why
do I need to fill in an 'expression of wish' form?
Where
can I find a guide to my Alstom pension?
What
are my choices if I want to save more for my retirement?
How
do I sort out a problem?
How
much State pension might I get when I retire?
Why
do I need to fill in an 'expression of wish' form?
The Trustee takes into account the information on your 'expression of wish'
form when they decide who receives any cash sum that is payable when you
die. As it is the Trustee who decides who receives any cash sum, your beneficiaries
will not normally have to pay tax on it. Also, the cash sum does not form
part of your estate.
You should always fill in a new form if your personal circumstances change (for example if you get married).
If you need a new form, you can print off from the
forms library.
Where
can I find a guide to my Alstom pension?
Look at the Scheme Guide for your section.
What
are my choices if I want to save more for my retirement?
From 6 April 2006, it is possible to contribute to a company pension scheme and a stakeholder or personal pension at the same time. You may also consider contributing to the Alstom Additional Voluntary Contribution Scheme.
To find out more, see the Additional
Voluntary Contribution Scheme.
How
do I sort out a problem?
If you have a question about the scheme, JLT Employee Benefits will normally be able to answer it.
There is still a small team in the Alstom UK Pension Department in Rugby whom you can contact in case of any problems.
If you have a problem with the scheme that you think we have not sorted out for you, there is a formal two-stage procedure for sorting it out. You can get a copy of the full procedure from us.
The first stage is to write to the Secretary to the Trustee. You should provide as much information as you can, including your full name, address, date of birth and national insurance number. You should expect to receive a decision within two months.
If you are not happy with the Secretary's decision, the second stage is to ask the Trustee to consider the matter. You must do this within six months of the decision. Once again, please send us all the relevant information about the matter, including why you are not happy with the decision. You should expect to receive a decision within two months.
There are also other organisations that can help you and your family with any questions or worries that you have about your pension arrangements.
TPAS (The Pensions Advisory Service) is available to help members and beneficiaries at any time with any questions. You can ask them to help if you have a problem with a pension scheme.
The Pensions Ombudsman can investigate and make a decision about any complaint or disagreement of fact or law about pension schemes.
The Pensions Regulator can help you if you think the Trustee, employers or professional advisers have failed in their duties.
How
much State pension might I get when I retire?
To find out what your State pension might be when you reach State pension
age, fill in the 'State pension forecast' form (BR19). You can find the
form on the Government's Pension
Service website. Alternatively, phone the Retirement Pension and Forecasting
Team on 0845 3000 168 and they will go through the form with you.
Contact
us
If you have any questions about saving for your pension or the Alstom Pension Scheme, please
contact JLT Employee Benefits. You can get in touch by post, e-mail, fax or phone.
| |
|
|
|
|
