Frequently Asked Questions

New joiner

Joining the Fund

As a new joiner to the Fund, you'll need time to understand your pension. It can be a complex topic, ​and this section aims to answer some of your FAQs. 

If you are still unsure, you can telephone the Helpline on 0800 2343434 or email csu@rpmi.co.uk.
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Who can be a member of the British Transport Police Force Superannuation Fund?

This is up to the employer, but generally speaking most new entrants to the Force are contractually enrolled in to the Fund.

What are the benefits of joining the Fund?

First and foremost, you are actively saving for your future. As well as the benefit of getting a pension for life when you retire, there are many other benefits: 
 

  • You can choose to take a tax-free lump sum on retirement.

     

  • The cost of providing your pension benefits is shared between you and your employer.

     

  • The contributions you pay in are deducted before income tax is calculated, so it is a tax-efficient way of saving.

     

  • You can choose to pay extra contributions, called Additional Voluntary Contributions (AVCs), to top up your benefits.

     

  • You may be eligible for an incapacity pension if you have to give up your job due to ill-health.

     

  • A death in service lump sum may be payable to your beneficiaries (remember to complete a Nomination form to keep the Trustee aware about who you would like to receive it).

     

  • Dependants (usually spouses, partners and/or children) may also get a pension when you die

How can I get the most from Fund membership?

Follow these simple steps to get the most from your pension.
 

  1. Register for a myFund account (unfortunately not currently available for CARE members). myFund allows you to check the value of your benefits, learn about your options and manage your AVC account (if you have one).


  2. Download a Nomination form. It’s vital that the Trustee knows who you would like to receive your lump sum death benefit if you die while actively paying into the Fund. You can check and change your nominations at any time in myFund.

  3. Consider paying Additional Voluntary Contributions (AVCs) through AVC Extra. It’s a tax-efficient way to save more. You can find out which investment funds are available and learn more in the AVC area of the website. Apply now.