For more detailed information about how the scheme is run, your benefits in it and other useful links, take a look at the information below. If you can’t find what you’re looking for, contact us via phone or email. You can request a copy of the RMSPS rules or retirement factors by emailing enquiries@rmsps.co.uk. Please remember that if you have built up benefits in the scheme after 1 April 2012, you will need to also visit the Royal Mail Pension Plan website.

, marital status, employer or historic employer, manual classification, date joined company, employee contribution rate, Date Left Employment, Reason Left Employment, Benefit Type, Retirement Health, Scheme Section Details, Spouse's Date of Birth, Date

to benefits Your guide to pension payments and increases Dependant’s pension nomination form Direction of lump sum death benefit form Your guide to death benefits International Bank Change Mandate Form Retirement Roadmap Current Value Statement glossary Section C Guide to benefits Your guide to pension payments and increases Dependant’s pension nomination form Nomination of lump sum death benefit form Your guide to death benefits International Bank Change Mandate Form Retirement Roadmap Current Value Statement glossary Lifetime Allowance and Lump Sum Allowances Form Privacy notice RMSPS rules RMSPS retirement factors To calculate the cost of your benefits, it is necessary to use factors provided by the Scheme Actuary. If you would

Welcome to the RMSPS (Royal Mail Statutory Pension Scheme) website. This site is managed by the RMSPS which is responsible for paying any benefits you built up before 1 April 2012. Here you can find out about what your pension might be worth, how it is paid, and your options both now and at retirement. Ready to start thinking about your future? Use the RMSPS retirement hub to get simple, personalised support to help you plan with confidence whatever stage of your journey you’re at. Visit the retirement hub This diagram shows you the structure of the Royal Mail schemes and should help you to know which sections you may have benefits in. Choose from the options below to find out more about your deferred benefit choices.

The information we provide within this website does not take into account your individual circumstances and is based on our understanding of the tax and legal position as of time of publication. The information contained therein should not be considered a substitute for seeking appropriate professional advice. For more information on how your particular circumstances may be affected, please contact your usual Capita consultant. The views expressed on this website are for reference purposes only, and should not be considered as forming a recommendation on any proposed action you may need to take. This page summarises relevant company and registration information. Full details about the extent of our authorisation and regulation by the Financial Conduct Authority are available from us on request. Capita Pension Solutions Limited is part of Capita plc. Registered in England & Wales with our registered office at First Floor, 2 Kingdom Street, Paddington, London, England, W2 6BD and registered company number 02260524. Capita Pension Solutions Limited is authorised and regulated by the Financial Conduct Authority (FRN: 142484).

Every April, pensioner members receive an annual increase to their pension benefits. For some members, as well as an increase to their regular benefit payments, they also receive a one-off lump sum payment. This is known as a ‘second bite’. This year, a small number of members were wrongly identified as being eligible to receive this second bite payment or had their second bite payment calculated incorrectly. This page provides a list of the most commonly asked questions to provide you with information, support and contact information.

Important strike information You may have seen in recent press coverage that Royal Mail staff are taking strike action on 26 and 31 August and 8 and 9 September 2022. Please be aware that this may mean payslips or letters we send to you are delivered later than expected. We apologise for any inconvenience. --> 15/7/2024 - We are currently experiencing intermittent issues accessing member records, which may affect our ability to answer and resolve some helpdesk queries. We are working to resolve this issue as soon as possible. Thank you for your patience.

retirement (or are entitled to a cash sum in addition to your pension). Uncrystallised Funds Pension Lump Sums (UFPLS) – in a Defined Contribution scheme, you and your employer pay into a pension pot towards retirement and can then be taken

Your pension is made up of various parts, which have different increases applied to them. Whilst working for the Royal Mail Group you may have built up Pre 88 GMP and Post 88 GMP while you were contracted out of the Additional State Pension (ASP) between 1978 and 1997. This meant you paid lower National Insurance Contributions and instead of the ASP you would receive a guaranteed level of pension from the Scheme. People who reached State Pension Age (SPA) before 6 April 2016 have the increases to their Pre 88 GMP and part of their Post 88 GMP paid by the government with their State Pension payments. Those who reached SPA after 6 April 2016 receive increases to all their Pre- and Post-88 GMP from the Scheme. Our GMP projects are listed below: Guaranteed Minimum Pension equalisation – GMPe Previously, State Pensions were paid to men at age 65 and to women at age 60 – this is called the State Pension Age (SPA). Over time they were gradually equalised so that by November 2018, both men and women had an SPA of age 65. However, GMPs are still payable at age 65 for men and 60 for women. A 2018 High Court judgment ruled that pension schemes are required to equalise pension benefits between men and women in respect of GMP earned from 17 May 1990 to 5 April 1997. Benefits accrued from the effective date of the Court’s ruling (17 May 1990) need to be equalised. For more information about GMPe go to the What happens next? section or watch our GMPe animation. Guaranteed Minimum Pension correction – GMPc The Pensions Act 2014 introduced a new single tier State Pension for individuals retiring after 6 April 2016. Any increases for contracted out individuals, that used to be paid by the government alongside the ASP, are no longer paid. The Act confirmed the responsibility for paying the increases now lies with workplace pension schemes. This meant we needed to recalculate some members’ pension increases under the Scheme and this is known as GMPc. If you were impacted, then we would have written to you. Guaranteed Minimum Pension rectification - GMPr We have also been checking the GMP part of members’ records against those held by HMRC. In some cases, differences have been identified and correcting these differences is known as GMPr. Calculating GMP is a complicated process, as it is broadly based on historic earnings figures, which were supplied to both the Scheme and HMRC by your employer’s payroll department. This information was typically provided at different times which could lead to differences when calculating GMP. Differences may also have arisen when GMPs were transferred from one scheme to another. This means that HMRC may have held a different GMP record for you than the Scheme. Where there were discrepancies, corrections have been made to HMRC’s records or to the Scheme records. This project has now finished and if you have been impacted, we will have written to you.

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