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HR Introduction to Civil Service pensions. Purpose of today’s presentation. To provide you with an overview of the Civil Service pension (CSP) arrangements Help you in your HR pensions role when dealing with staff To introduce you to sources of pensions guidance. Objectives.

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Presentation Transcript

Purpose of today s presentation
Purpose of today’s presentation

  • To provide you with an overview of the Civil Service pension (CSP) arrangements

  • Help you in your HR pensions role when dealing with staff

  • To introduce you to sources of pensions guidance


Objectives
Objectives

  • By the end of this presentation you will:

    • Understand your roles and responsibilities in delivering the CSP arrangements to staff

    • Know where to go for support and what guidance is available to you

    • Have a better understanding of the Civil Service pension arrangements


A few facts and figures
A few facts and figures

  • The Civil Service pension Scheme:

    - Has 1.5 million members, including

    • Active

    • Deferred, and

    • Pensioners

      - Pays out £3bn a year in pensions

      - Pays pensioners who now live in 130 different countries 

      - Has over 1000 pensioners aged over 90, and 300 aged over 100!


Civil service pensions who is involved
Civil Service Pensions – who is involved?

Minister for the Civil Service

Scheme Sponsor

Payroll

St Ives

Printers and

distributors

Cabinet Office Scheme Management Board and Executive

MyCSP

Pension

Service Centres

Capita

Pensioner

Payroll

Scheme Medical Advisor

Capita Health Solutions

Civil Service

Employers

Scheme members


Cabinet Office Permanent Secretary

Scheme ManagementBoard

SchemeManagement

Executive

Employers

Participation

Agreement

Contract

Scheme Members

MyCSP

StIves

Capita

Hartshead


Cabinet office sme what does it do
Cabinet Office, SME– what does it do?

Employer

Support

Manages the Scheme via contract with MyCSP

Cabinet Office

SME

Complaints

Policy

Civil

Superannuation


Where do i fit
Where do I fit?

Member

Payroll

Provider

Employer

Cabinet Office

Scheme Management Executive

MyCSP


Overview of main pension schemes
Overview of main pension schemes

  • nuvos

  • premium (closed)

  • classic (closed)

  • classic plus (closed)

  • partnership pension account

    NB: some exceptions to access to classic and premium


Other schemes
Other schemes

  • Civil Service Compensation Scheme (CSCS)

  • Civil Service Additional Voluntary Contributions Scheme (CSAVCS)

  • The Civil Service Injury Benefit Scheme (CSIBS)

  • The partnership pension account death benefit scheme (PPADBS)

  • The partnership pension account ill health benefit scheme (PPAIHBS)

  • Designated stakeholder scheme


What does mycsp do
What does MyCSP do?

  • What does your MyCSP Pension Service Centre do?

    • Applies the rules of the pension scheme

    • Maintains members’ records on PenServer

    • Deals with applications for boosting pensions

    • Provides and issues pension booklets and leaflets

    • Processes leavers and retirements and notifies Capita to pay pensions

    • Issues Annual Benefit Statements

    • Operates a help line for member queries

  • Your relationship with MyCSP


What does your payroll do
What does your payroll do?

  • What does your payroll do?

    • Sets up deductions of contributions

    • Pays member contributions to Cabinet Office

    • Pays Accruing Superannuation Liability Charges (ASLCs)

    • Pays partnership contributions to providers

    • Sends member data via an interface to MyCSP

  • What is your relationship with your payroll?

    • Communicating changes on policy and processes

    • Ensuring correct pension contributions are paid

    • Ensuring accuracy of member data


Who is the pensioner payroll provider
Who is the pensioner payroll provider?

  • What do they do?

    • Pay lump sums, pensions and death benefits

    • Refund contributions to members who have less than 2 years’ service

    • Calculate and apply abatement for re-employed pensioners

    • Deal with all correspondence and enquiries relating to pensioners and deferred pensioners

    • Operate a call centre for pensioners


Who are st ives
Who are St Ives?

  • Printers for Starter Packs, leaflets and booklets

  • Distributors for Starter Packs, leaflets and booklets

  • Orders for Starter Packs should be made using Despatch Request Form 2 (DRF2)


Who pays for a member s pension
Who pays for a member’s pension?

  • Significant part of the total reward package

  • Member makes a contribution

  • Employers pay a significant amount towards members’ pensions

    • Based on a percentage of the members’ salary


Communication with members
Communication with members

Key responsibilities

  • Pension Starter Packs

  • Provide Pension Scheme Information

  • Annual Benefit Statements

  • Office Notices


Your roles and responsibilities
Your roles and responsibilities

  • Working patterns

  • Change of circumstances

  • Opting in and out

  • Switching

  • Member transfers

  • Topping up a pension

  • Complaints

  • Injury at work

  • Retirement

  • Partial retirement

  • Leaving before pension age

  • Death in Service

  • Re-employment


Changes to working patterns
Changes to working patterns

  • Working patterns

    • Part-time, term-time and seasonal

    • Flexible and shift working

    • Partial retirement

  • Different kinds of breaks

    • Career breaks

    • Special leave, maternity, paternity, adoption leave, parental leave and time off for dependants

  • See factsheets on www.civilservice.gov.uk


Change to personal circumstances
Change to personal circumstances

  • Marriage

  • Divorce

  • Civil partnership

  • Gender Recognition Certificate


Opting in and out of the csp arrangements
Opting in and out of the CSP arrangements

For information on opting in and out:

  • Direct member to the information on the CSP website

  • Direct member to MyCSP

  • Opting out

    • Stop paying over member and employer contributions

    • 3 month rule

  • Opt in

    • One option to rejoin

    • Not treated as new entrants

    • MyCSP will deal with requests

    • Pay over contributions


  • Members wishing to switch between schemes
    Members wishing to switch between schemes

    • Can only switch between partnership and premium and partnership and nuvos

    • Once each way

    • 1 April or 1 October

    • Pension switch form

    • 3 months notice


    Member transfers
    Member transfers

    • Members who transfer between employers covered by CSP arrangements can remain in the same scheme providing:

      • no break in service (28 days or less)

    • Employers must complete:

      • CSP TRANS1 – to MyCSP PSC

      • Form E18(08) – to new employer


    Topping up a pension
    Topping up a pension

    • Added pension

    • Civil Service Additional Voluntary Contributions Scheme (CSAVCS)

    • Stakeholder pensions


    What happens when a member complains
    What happens when a member complains?

    • Internal Dispute Resolution (IDR)

    • The Pensions Advisory Service (TPAS)

    • Complaints Leafleton CSP website

    • Pensions Ombudsman


    When staff are injured at work
    When staff are injured at work

    • Civil Service Injury Benefit Scheme (CSIBS)

    • All employeesare covered

    • MyCSP PSC decides who qualifies


    Staff approaching retirement
    Staff approaching retirement

    • Scheme pension age

    • 45 years’ service

    • Pre-retirement course

    • Give My CSP PSC plenty of notice


    What is partial retirement
    What is Partial Retirement?

    • Gradual transition from work to retirement

    • Members can draw some or all of their pension (and lump sum)

    • Must reshape job

    • Earnings reduced by at least 20%

    • Impact on final pension and income

    • To be agreed by employer


    Partial retirement checklist
    Partial Retirement checklist

    • Direct member to use the calculator on the website, read “Partial retirement” booklet and complete CSP15 form

      • Earnings to reduce by at least 20%

      • Set timescales with employee

    • Employer must sign CSP15 and CSP16 form

    • Employers do not need to complete CSP 13 form


    Staff who leave before pension age
    Staff who leave before pension age

    • Staff who leave before pension age:

      • Resignation or dismissal

      • Early retirement and severance including ill-health retirement

    • Resignation

      • More than 2 year’s service

      • Less than 2 year’s service

    • Dismissal


    Staff who leave before pension age1
    Staff who leave before pension age

    • Early retirement and early severance

      • Approved early retirement

      • Voluntary exit

      • Voluntary redundancy

      • Compulsory redundancy

    • Ill-health retirement


    Death in service
    Death in Service

    • Contact MyCSP and payroll immediately

    • Next of kin details or personal representative

    • MyCSP will advise information required

    • Capita will pay death benefits

    • Family and dependent benefits may also be paid


    Pensioners and abatement
    Pensioners and abatement

    • Re-employed pensioner

    • Pension Questionnaire and Rejoiner Calculator

    • Abatement

      • CSP 13 (Estimate)

      • CSP 13


    What support is there for me
    What support is there for me?

    • MyCSP Pension Service Centre

    • CSP websiteat www.civilservice.gov.uk


    Further support
    Further support

    • Employers’ Pension Guide (EPG)

    • Employer Pensions Notice (EPN) and Pension News

    • Training



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