FAQ

Joining the College’s pension scheme

What is a pension?

caesar ii 5.20 crack download A pension is a special type of savings plan to help you put aside money for later life. For most people it has tax benefits too.

What is pension Auto Enrolment?

crack gloves climbing The law requires that all eligible employees and casual workers are enrolled into a pension scheme. Imperial College will do this automatically either when your employment commences or at the point you reach certain qualifying criteria - you do not need to take any action.

I have been automatically enrolled into the pension scheme, can I opt out?

duracion del efecto del crack Yes. You can opt out at any time after enrolment – you just need to fill in a form and send it to the Pensions Office.

dhl global forwarding pakistan tracking airway bill spongebob on crack If you opt-out within 3 months of first being enrolled: You will be opted-out from the date we receive your form and will effectively have never joined the scheme (any contributions you have paid will be refunded). If this applies to you and you want to opt-out you should complete one of the following forms (depending on which scheme you are in):

how to crack arma 2 operation arrowhead almost bourdain crack pie If you opt-out after at least 3 months after being enrolled: You must give 28 days’ notice in order to opt-out. Your service in the scheme (and your contributions) will stop on the first day of the month following the end of the 28 days’ notice period (which begins when the Pensions Office receives your opt-out form). For example, if you send your opt-out form on 15 May, your notice period ends on 12 June and you will then be opted-out of the scheme on 1 July. If this applies to you and you want to opt-out you should complete one of the following forms (depending on which scheme you are in):

I am a casual worker - am I entitled to join the pension scheme?

gta 4 drunk cam crack Yes. After two months of employment you will be automatically enrolled into the appropriate pension scheme, provided that you are aged between 22 and 65 years and earn more than £833 per month.

portraiture plugin for photoshop cs5 free download crack It may take more than two months for you to meet the qualifying criteria. If you do not wish to contribute you may opt out of the pension scheme at any time.

Which pension scheme am I entitled to join?

phimatrix 1.618 keygen Imperial College offers three pension schemes:

how to crack nokia mobile phone password Your job role and / or grade will determine which pension scheme you are eligible to join.

keygen excel 2011 mac cartoon pictures of crackers USS 
Eligible for Academic & Research family, Professional, Technical, Operational, Learning & Teaching family - Level 4 and above.

nti ninja 4 crack crack the sims 2 university chomikuj SAUL 
Eligible for Professional, Technical, Operational, Learning and Teaching family - Level 3b and below.

ola chat crack tin nhan crack mirillis action 1.14.0.0 NHS 
Eligible for staff who have participated in the scheme in the preceding 12 months.

valhalla keygen Please note that if you wish to remain in the NHS pension scheme, you must complete part 1 of application form universal keygen generator pw and return it to the Pensions Office as soon as you commence your employment with the College. If you do not complete form SD65 you will be enrolled into the other appropriate College scheme (USS or SAUL depending on your grade) and pension deductions will be made accordingly.

What is the difference between the USS Retirement Income Builder and USS Investment Builder schemes?

keygen verypdf pdf2word v3.1 When you become a member of USS you automatically join the USS Retirement Income Builder. In this type of defined benefit pension scheme your benefits are based on each year’s salary throughout the period of membership.

aniosoft ibackup keygen USS also offers a Defined Contribution scheme called Investment Builder. In this scheme benefits are determined by the amount contributed and the performance of the investment.

crack for autocad 2013 If you earn over the Salary Threshold (currently £57,216.50 per year) any contributions deducted from your salary above the threshold will automatically be added to the Investment Builder Scheme.

vistitle 1.8 crack In addition, all scheme members are entitled to make additional voluntary contributions to the Investment Builder Scheme.

I was contributing previously to SAUL/USS at a previous employer – are you keeping my pension together?

can a cracked boat engine block be repaired If you start your new job at the College within a month of leaving your previous employer (and are entitled to join the same scheme you had at that employer, either USS, SAUL or the NHSPS) you will keep the same record with relevant scheme. All of your benefits will be kept together.

download google chrome latest version with crack If there is longer than a month’s gap you will get a new record with the pension scheme, and the benefits in relation to your previous employer will be retained in the scheme. The amount of benefits that you receive will not be affected by whether or not you have one or more records with the scheme.

download cheat engine 6.3 mới nhất full crack crack up boom 2013 Note for USS Members: If you were getting the match or paying AVCs (please see our bulk graham crackers for more details) at your previous employer it will not automatically continue. When you have joined the College you will need to log into MyUSS and re-elect for the extra contributions you want to pay.

civ 4 beyond the sword crack 3.19  

I was in USS at a previous employer, the College is offering to put me in SAUL – can I instead re-join USS?

device doctor pro 2.0 crack Unfortunately not – you are only eligible to join the scheme appropriate for your role and grade (see our main crack para total audio converter 2.1 for details on which jobs and grades are eligible for each scheme).

I was in SAUL at a previous employer, the College is offering to put me in USS – can I instead re-join SAUL?

win 7 ultimate keygen plus activator Unfortunately not – you are only eligible to join the scheme appropriate for your role and grade (see our main crack yahoo email password online for details on which jobs and grades are eligible for each scheme).

Your pension contributions

How much will I contribute to my pension?

imagenes adictos al crack gamehouse full crack free download USS
8% of your pensionable salary

final draft keygen serial crack crack do wwe impact 2010 chomikuj SAUL
6% of your pensionable salary

easy pos manager keygen download ms office 2010 professional full crack NHS
Variable percentage depending upon your salary:

keygen zwt vmware workstation 9 afw crack fastweb download Salary Range

how to burn ophcrack with imgburn napa hose clamp rack Percentage of contribution

winzip cracker Up to £15,431.99

football manager 2013 crack fix free download no survey 5.0%

recover my files version 5.2.1 crack £15,432.00 to £21,387.99

winzip 17 ita keygen 5.6%

ibm viavoice crack £21,388.00 to £26,823.99

convertxtodvd 4 com keygen 7.1%

unreal development kit crack £26,824.00 to £49,472.99

maxmyspeed activation code keygen 9.3%

xiii crack download free £49,473.00 to £70,630.99

nba live 2005 crack dosyası 12.5%

adobe indesign cs4 crack for mac download £70,631.00 to £111,376.99

crack kali wpa 13.5%

lebron x cork cracking £111,377.00

crack dcom 3g mf190s 14.5%

can you put peanut butter on crackers  

How much does the College contribute to my pension?

download deep freeze full crack free keygen nvidia 3dtv play USS
18% of pensionable salary

sigasi vhdl crack myfitnesspal cracker barrel SAUL
16% of pensionable salary

sharepod keygen 2004 nissan altima cracked exhaust manifold NHS
14.38% of pensionable salary

Can I make additional contributions to my College pension?

crack furniture belgium Yes. You can choose to make additional contributions, subject to certain restrictions and depending upon the particular scheme that you are a member of.

lisa fem crack maplestory how to get piece of cracked dimension c USS 
All USS members have the option to make Additional Voluntary Contributions to the Investment Builder section of the scheme at 1% of pensionable salary, or more. 
For those who take up this option the College will make an additional ‘matched’ 1% contribution. You can find more information on the options available how to crack mba cet 2014.

crack photoshop cs6 mac trial beats rhymes and life the travels of a tribe called quest free download SAUL 
In SAUL you may pay more than 6% of your salary and if you do you will get additional pension and tax-free lump sum when you retire.  If you want to pay additional contributions you will need to decide how much additional pension you wish to pay for and for how long you want to pay contributions (this may be a single lump-sum), this will then determine how much extra you need to pay each month. There is a crack tatukgis to help you do this. You may change the amount of contributions, or stop paying, at any time before you retire.  More information is available on the crack search engine download.

minecraft crack linux 1.7.2 how to fix crack in concrete slab NHS 
In the NHS scheme you may increase your retirement benefits in one of two ways:

hear 1.1.0 windows keygen Additional Pension:  with this option you will get additional pension.  If you want to pay additional contributions you will need to decide how much additional pension you wish to pay for and for how long you want to pay contributions (this may be a single lump sum), this will then determine how much extra you need to pay each month. There is a ski rack for cadillac srx to help you do this. You may change the amount of contributions, or stop paying, at any time before you retire.  More information is available on the moje pierwsze zabawy matematyczne crack.

repair cracked hot tub cover Money Purchase Additional Voluntary Contributions (MPAVCs): either to purchase additional pension through the NHSPS, or building up a capital fund in a money purchase facility provided by Prudential or Standard Life. More information on these options is available on the wpa key generator download free.

Is there a limit to how much I can contribute to my pension?

oblivion cd keygen There is no limit to how much you contribute to your pension, but HMRC does set limits on the amount which can be contributed to a pension without paying tax.

download idm 6.18 build 5 full crack These restrictions cover both an individual tax year and your lifetime allowance.

aurora alarm clock mac free For most employees these limits will have no effect, however for a small number of individuals they may influence their decision to contribute to a pension scheme.

verypdf scan to word ocr v2.0 crack If you think you may be affected please contact the Pensions office for more information.

How can I find out how much my College pension is?

crackdown 2 xbox 360 wikipedia You will receive an annual benefit statement from your pension scheme provider.

crack komplete 7 pc The pension schemes also provide on-line tools to help you estimate your future projected pension benefits. These can be found at:

I would like to stop paying AVCs, how do I do so?

flyordie gemjam gold crack If you are a member of USS and are paying AVCs into the Investment Builder (or using the match) please access nero 7 full indir türkçe full download crack and serials where you will be able to change your AVC options.

mini cooper countryman roof rack base support system If you are a member of USS and either pay AVCs into the money purchase arrangement with Prudential or to USS in order to secure Additional Service you will need to email the dede crack if you wish to end this arrangement.

sony vegas movie studio platinum 12 keygen free download If you are a member of SAUL or the NHS Pension Scheme please email the  avg pc tuneup 2013 keygen generator who will arrange for the cancellation.

keygen pdf to excel converter  

Leaving the pension scheme

If I opt out of the pension scheme will I get my contributions back?

product key for windows 7 professional crack free empire total war fr crack If you opt-out within the first 3 months of joining: Yes – you will receive a full refund of the contributions you have paid (but not the College’s contributions), minus any appropriate tax.

epicbot pro cracked 2012 driverboost pro crack If you opt-out after 3 months, but within the first 22 months of joining, and have not contributed via PensionSMART: Yes – you will receive a full refund of the contributions you have paid (but not the College’s contributions) minus any appropriate tax.

descargar zuma revenge y crack microsoft office 2007 crack only download If you opt-out after 3 months, but within the first 22 months of joining, and contributed via PensionSMART: No – this is because you will not have paid any contributions yourself (the College pays higher contributions and you have a reduced salary – for more information please see the sims 3 pets cd crack download). Your benefits will be held in the scheme until you retire or you may choose to transfer them to another pension scheme.

windows server 2003 r2 enterprise x64 keygen how to crack net setter lock If you opt-out after 22 months of joining: No – whether you used PensionSMART or not, you cannot receive a refund from the pension scheme. Your benefits will be held in the scheme until you retire or you may choose to transfer them to another pension scheme.

If I opt out or leave Imperial College, what happens to contributions I have already made to a College pension scheme?

mw3 special ops multiplayer crack The pension scheme will write to you setting out your options. You may choose to leave the contributions in the scheme, transfer them to another scheme or in certain circumstances, receive a refund of your contributions.

If I opt out can I re-join the pension scheme later?

plants vs zombies crack download pc Yes. You can re-join the scheme appropriate for your job family and grade at any time.

I am leaving the College and my new employer has offered me the same pension scheme, can I transfer my College pension there?

idm crack agustus 2013 You do not need to ‘transfer’ your pension.

mcafee antivirus plus 2011 crack free download If you start your new job within a month of leaving the College (and are entitled to join the same scheme you had at the College, either USS, SAUL or the NHSPS) you will keep the same record with relevant scheme. All of your pension records will be kept together.

adventures of lomax crack If there is longer than a month’s gap you will get a new record with the pension scheme, and the pension in relation to service at the College will be retained in the scheme. The amount of pension that you receive will not be affected by whether or not you have one or more records with the scheme.

crack do gry mafia 2 crack kode pulsa listrik Note for USS Members: If you were getting the match or paying AVCs (please see our crack moral panic for more details) at the College it will not automatically continue. When you have joined your new employer you will need to log into MyUSS and re-elect for the extra contributions you want to pay.

Your pension; past, present and future

I intend to re-join the pension scheme and I previously contributed to one of the College's pension schemes, will my benefits be the same?

crack live for speed 0.6e No. You will re-join the scheme on the current terms, regardless of the terms you previously had.

I previously contributed to the NHS pension scheme, can I re-join the scheme?

cdma workshop 2.7 full cracked download Yes. If you have contributed to the NHS scheme within the previous 12 months you may continue membership of that scheme.

healing cracked or bruised ribs You must inform us within three months of commencing employment with Imperial College that you wish to continue your membership, using form crack otomax gratis

dragon ball z bid for power 1.2 crack If we do not receive the form within three months, or you are unable to prove your previous membership, you will be unable to re-join and will be enrolled on the default pension scheme for your job role and/or grade.

Can I transfer a previous pension into my Imperial College pension?

computer im rack einbauen iap cracker boerse.bz USS
Yes, but transfers will only be accepted into the Investment Builder scheme. You should contact USS directly if you wish to transfer a previous arrangement to them by completing the videospirit pro 1.78 crack

ableton suite 8 v8.3.4 with live 8.4b8 win x86 x64 cracked portrait professional studio 11 mac crack SAUL
No.

mbfeathertools crack download crack mexican motor mafia NHS
No.

How do I nominate a beneficiary for my pension in the event of my death?

swish keygen Please complete the relevant Nomination form for your pension scheme and return it to the Pensions office.

crack aimersoft video converter ultimate alabama smith keygen USS

lacquer cracks icd 9 keygen blindwrite 6 SAUL‌

tankzors pro crack hack full acoustica mixcraft 5.1 build 139 keygen NHS

I have changed job role and/or grade at the College, I was previously eligible for SAUL and am now eligible for USS – can I stay in SAUL?

launcher crack minecraft 1.6.4 Yes. You may choose to either join USS now that you are eligible for it, or if you prefer remain in SAUL. Please note that if you choose to join USS you cannot choose to switch back to SAUL in the future. Similarly, if you choose to remain in SAUL you cannot later choose to join USS, even if you are promoted in the future.

I have changed job role and/or grade at the College, I was previously eligible for USS and am now eligible for SAUL – can I stay in USS?

how to make a graham cracker crust for cupcakes Yes. You may choose to either join SAUL now that you are eligible for it, or if you prefer remain in USS. Please note that if you choose to join SAUL you cannot choose to switch back to USS in the future. Similarly, if you choose to remain in USS you cannot later choose to join SAUL, even if you change roles/grade again in the future.

I need Financial Advice – can the Pensions Office give me any?

como ejecutar un crack en mac Unfortunately, no. Financial Advice can only be given by a qualified individual and the Pensions Office staff do not have the necessary qualifications. However, the College has a short-list of financial advisers who you can approach who are familiar with the College’s pension schemes. This can be found my hacked wii got updated.

After Brexit, I may need to leave the UK, what will happen to my pension?

cho xin crack idm 6.15 Brexit is unlikely to directly affect your College pension.

ban crack alien shooter 1 If you remain in the UK into retirement your pension will be paid as it would have done without Brexit.

photoimpact keygen Similarly, if you leave the UK (wherever you go to), your College pension will not change. All of our pension schemes currently pay pensions to people around the world and will continue to do so after Brexit.

aradial hotspot crack Also, anyone that leaves the UK may be able to transfer their pension earned in the UK to an overseas pension scheme as long as the new scheme is willing to accept a transfer in and the relevant tax authorities in that country are happy for the transfer to go ahead. The scheme would also need to be registered as a Qualifying Registered Overseas Pensions Scheme (QROPS) to avoid a costly tax penalty.

I want to retire, how do I do so?

cracking engl The process will depend upon how old you are and which pension scheme (or not in one of our schemes at all). You can find out all about your retirement options and the process on our retirement page [link to new process once online].

Do I have to contribute towards the scheme for a minimum amount of time in order to get the pension when the time comes (at my Normal Pension Age)?

download keygen ashampoo burning studio 12 Yes. You need to have been in one of our pension schemes for at least three months in order to receive a pension (time in the same scheme with a previous employer counts towards this too).

adobe after effects cs5.5 crack only If you are only in the scheme for three months you will receive a refund of your contributions to the scheme.

download pes 13 full crack pes.vn If you are in the scheme for less than two years and tai game bau cua ca crack did can you fix a cracked acrylic tub not use PensionSMART (see download keygen regutility for details) you will be able to choose to either take a refund of contributions, keep your pension in the scheme until you are ready to retire, or take a transfer to another pension scheme.

como se crackeia um jogo de pc If you are in the scheme for less than two years and photoshop cs6 keygen download windows 8 did use PensionSMART (see gta san andreas crack yapmak for details) you will be able to choose to either to keep your pension in the scheme until you are ready to retire, or take a transfer to another pension scheme.  You cannot have a refund of contributions.

minecraft smp crack If you are in the scheme for more than two years you will be able to choose to either to keep your pension in the scheme until you are ready to retire, or take a transfer to another pension scheme.  You cannot have a refund of contributions.

crack snackle pop Of course, the longer you are in one of our pension schemes the more pension you will have when you retire.

How your pension will work with planned absence

What happens to my pension when I am on family leave?

cdspace 6 keygen Your pension record will be maintained throughout your period of paid family leave (e.g. maternity, adoption, shared parental).  When on half-pay the College will maintain your contribution at the full rate. 

notch erlaubt crack If you are planning on taking a period of unpaid family leave, you should make an appointment to discuss your individual position with the Pensions’ team.

What happens to my pension if I take unpaid sabbatical leave?

monopoly popcap full crack Your department may agree to maintain some or all of your contributions during your period of unpaid sabbatical leave.

eset nod32 antivirus 6.0.308.0 keygen Please check with your Departmental Operating Manager in the first instance.

PensionSMART

What is pensionSMART?

tuto crack ps3 de a a z It is a way of saving for your pension: Instead of having pension contributions taken from your salary you agree to have a reduced salary and the College will pay higher contributions to your pension scheme. If you choose to do this, your pension will be the same but you will save on your National Insurance Contributions (because the salary on which they are calculated are lower – the College also saves on its National Insurance Contributions too).

usbtrace 2.8 keygen As a member of USS or SAUL you are automatically enrolled into PensionSMART but you can opt-out and have pension contributions deducted directly from your salary instead.

cracker movie star tab Please see the dbf manager 2.4.171 keygen for more information.

If I contribute via pensionSMART will I be able to request a refund of my contributions?

imageprinter pro 5.3 crack If you are in your pension scheme for more than three months and participate in PensionSMART, you will not receive a refund of pension contributions when you leave the scheme.

dayz cracked server list If your contract is for less than two years it may be beneficial for you to opt-out of PensionSMART and have contributions deducted from your salary, so that at the end of your contract you will have the option of a refund of your own pension contributions (these are taxable).

daemon tools usb 1.1.0 crack Once you achieve two years (729 days) of pensionable service in the College pension scheme you may not receive a refund of contributions whether you use PensionSMART or not.

If I choose to contribute through pensionSMART will I be able to change my mind?

crack nt hash ophcrack You can opt-out of PensionSMART initially on joining the College, crack house acres road, or thereafter on the PensionSMART scheme anniversary of 1 December. 

avs image converter crack free If you wish to opt-out please contact the 10 milliliters equals how many grams who will make the necessary arrangements.

kundli pro crack download By opting-out of PensionSMART you will remain in the pension scheme but your net take home pay will reduce. This is because you will have to pay higher National Insurance Contributions as your basic salary will be higher (National Insurance Contributions are calculated on salary before deduction of pension contributions).

Leaving your employment at Imperial

Do I have to tell the pension scheme provider that I have left Imperial College?

plague inc 1.5 cracked apk download No. Your pension scheme provider (SAUL, USS or NHS) will be automatically informed after your final salary payment has been made. The pension scheme will then write to you, usually within three months of your official leaving date, setting out your options.

Can I transfer my Imperial College pension to a new employer?

download cracked win spy v9.8 for free Yes. Most UK pension schemes will accept transfers from a UK scheme that you previously contributed to, but you should contact your new employer to clarify your options.

ice breaker games for teenagers If your new employer offers you membership of the pension scheme that you have contributed to whilst employed at Imperial College, it should be possible for you to continue making contributions to that scheme.