Paying into a final salary section

Life changes

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We all know that life doesn't always go to plan - and a change of circumstances at work or home can have a big impact on your finances.

​Here are some examples of life changes to help you understand how they may affect your pension contributions and benefits.

You can find out more in your 'Guide​ for Members'. This can be viewed by signing in or registering with myFund. (CARE members can view their Guide in the CARE section.)

Taking leave

If you get maternity, paternity, additional paternity, shared parental, family or adoption leave pay, your contributions are based on what you are earning at that time, but your benefits are based on your normal rate of pay. Read more in the Guide to maternity, paternity, parental and adoption leave

Ill health

It's comforting to know that support may be available from the Fund if you have to leave work due to ill health. You may be able to apply for an incapacity pension, subject to meeting certain conditions. Read more details in the Guide to applying for Incapacity Benefits (with form).

Divorce or dissolution

The breakdown of a relationship is a difficult time​. If you face divorce or the dissolution of a civil partnership, your pension is likely to be considered along with your other assets when financial settlements are worked out. 

A court order ​may be made to transfer part of the value of your pension benefits during the divorce or dissolution proceedings.

If this is the case, it would mean your Fund benefits will be reduced to provide benefits for your ex-spouse or ex-civil partner. Your guide on divorce and dissolution has more information.


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