Sevenoaks Workstyle - Sevenoaks

Section A


When can I retire?

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

For Section A & C members, with the agreement of BT, at any time from age 55, members can request to receive their pension and lump sum even though they are still employed by BT.  For Section B members, they can leave service and ask for their pension to be paid at any time from age 50 onwards (age 55 if they rejoined the BTPS after 5 April 2006). For more information about early retirement please refer to the relevant Explanatory booklet.

What happens if I die?

If you die your estate or your Spouse/Civil Partner/Dependants may be entitled to receive death benefits. For more information on what death benefits are available and to whom they may be payable, please refer to the relevant explanatory booklet in the Useful documents section of this website.

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

  • Section A is for members who joined before 1 December 1971.
  • Section B is for members who last joined the Scheme between 1 December 1971 and 31 March 1986 (or Section A or B members who left BT and subsequently rejoined after 31 March 1986) or members who have elected to switch from Section A.
  • Section C is for members who last joined the Scheme on or from 1 April 1986 but before the Scheme closed on 31 March 2001 or members who have elected to switch from Section B.

If you are unsure which Section you are a member of, please contact the BT Pension Scheme. You can find out details of your specific benefits under the Section menus above. Other information in this site is generic and applies to all members.

What are Smart Pensions?

Smart Pensions increase 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. As 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 or to download a copy of the forms, please see the Useful documents 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.

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 Contacts section.