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.
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.
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.
Smart Pensions increase your take home pay without changing your pension benefits. For more information please go to Smart Pensions.
Trustee Directors are the people who manage the BT Pension Scheme. To see who the Trustee Directors are and their responsibilities, please go
Additional Voluntary Contribution (AVC) are a tax efficient way to improve your retirement savings. For more information please go to AVCs.
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.
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.
If you can’t find the information you need on this site, please go to the Contacts section.