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Defined Contribution Section ABF
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About the Scheme
Overview How it works How do I join? Looking after the Scheme Leaving the Scheme Opting out Absence from work Ill health Death benefits Divorce

Paying in
Overview Contribution rates Saving more: AVCs Transferring into the Scheme Where do my contributions go? Your pension modeller

Investments
Overview Tier 1: Target date funds Tier 2: Diversified growth/multi-asset investment funds Tier 3: Single asset funds Tier 4: Funds 'on request' Risk and reward? Making changes to your investments

Retirement
Overview When can I retire? Your retirement options Retiring due to ill health Tax implications Further guidance Hargreaves Lansdown

Forms and downloads
Overview Documents Forms Videos

Taxation
Overview Tax limits Applying for HMRC protection Where to get further help Scottish rate of income tax

DC Member Login Pension scams
Defined Benefit Section ABF
Home
About the Scheme
Overview How it works Contributions Benefits Looking after the Scheme Leaving the Scheme Leaving the Company Transferring out Death benefits Divorce Absence from work

AVCs
Overview Can I increase my benefits? How does it work? Starting changing AVCs Using AVCs at retirement

Retirement
Overview Normal retirement Early retirement Flexible retirement Ill health retirement Tax-free cash lump sum Reduced accrual members Working past your Normal Retirement Date How pensions were calculated prior to April 2016

Deferred members
Overview Revaluation rates Change of details Transferring your pension Retirement

Pensioners
Overview Change of details Pensioner statement Pension payment dates Pension increases

Forms and Downloads
Overview Documents Forms

Taxation
Overview Tax limits Applying for HMRC protection Where to get further help Scottish rate of income tax

Pension scams
Defined Benefit Section British Sugar
Home
About the Scheme
Overview How it works Contributions Benefits Looking after the Scheme Leaving the Scheme Opting out Death benefits Divorce Absence from work

AVCs
Overview Can I increase my benefits? How does it work? Starting changing AVCs Using AVCs at retirement

Retirement
Overview Normal retirement Early retirement Flexible retirement Ill health retirement

Deferred members
Overview Revaluation rates Change of details Transferring your pension Retirement

Pensioners
Overview Change of details Pensioner statement Pension payment dates Pension increases

Forms and downloads
Overview Documents Forms

Taxation
Overview Tax limits Applying for HMRC protection Where to get further help Scottish rate of income tax

Pension scams
Not a member
IFA Section
Home Scheme information sheet Deferred revaluation information Commutation factors Benefit settlements - ID requirements FAQs
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Defined Contribution Section Defined Benefit Section - ABF Defined Benefit Section - British Sugar

Home
About the Scheme
Additional Voluntary Contributions (AVCs)
Retirement
Deferred members
Pensioners
Forms and downloads
Taxation
Pension scams

How it works
Contributions
Benefits
Looking after the Scheme
Leaving the Scheme
Opting out
Death benefits
Divorce
Absence from work

How it works

The links below explain how the contribution structure works and the benefits you are entitled to in the Scheme.

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Benefits

Looking after the Scheme

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Death benefits

Divorce

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