Top Ten Questions

Click on a question to see the answer:

When can I retire?

Normal Pension Age is 60 for Section A but 65 for Sections B and C. However, pre April 2009 benefits for Section B and C members can be taken from age 60 without reduction. Benefits of service before and after 1 April 2009 must all be drawn together.

What happens if I die?

If you die your estate or your dependants may be entitled to receive death benefits. For more information on what death benefits are available please go to Section A Section B Section C.

How do I know which section of the BT Pension Scheme I am a member of?

To find out which section you are a member of please refer to the Pension Details section.

What is SMART Pensions?

SMART Pensions increases your take home pay without changing your pension benefits. For more information please go to SMART Pensions.

What are Trustee Directors and what do they do?

Trustee Directors are the people who manage the BT Pension Scheme. To see who the Trustee Directors are and their responsibilities, please go to Trustees.

What are AVCs?

Additional Voluntary Contribution (AVC) are a tax efficient way to improve your retirement savings. For more information please go to AVCs.

I don’t have a Spouse or Civil Partner but I do have another adult who is dependent on me. How do I let the Trustee know my wishes about this?

You should complete and return an Expression of Wish Form but because your dependent may also be eligible for a pension, you must complete and return an Adult Dependant [ADP] Nomination Form to make sure that the Trustee is aware of your relationship. For more information, please go to Forms section.

What is the Pensions Portal?

The Pensions Portal is an internal website which enables active members of the BT Pension Scheme to manage their benefits online. To view the Pensions Portal click here.

I am pensioner – where can find out information now I’ve retired?

We have created a pensioners section which gives you specific information to help you understand your BT pension. To view this section, please go to Pensioners.

Where can I get more information about my pension?

If you can’t find the information you need on this site, please go to the Contact Us section.