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  • FIRST POST
    • Trying to be good
    • By Trying to be good 25th Nov 17, 5:19 PM
    • 1,900Posts
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    Trying to be good
    Civil Service Pension, classic/alpha ill-health retirement
    • #1
    • 25th Nov 17, 5:19 PM
    Civil Service Pension, classic/alpha ill-health retirement 25th Nov 17 at 5:19 PM
    Hello everyone

    I've just been retired under ill-health for acute anxiety. My brain doesn't work how it used to, and I'm struggling to understand how they've calculated my pension, but I think they have it wrong.

    Being a financially savvy person, I have been purchasing added years in the old classic scheme since 2006, and have an EPA for 2 years (missed the first year as the paperwork didn't arrive, but EPA for 16/17 and so far in 17/18.

    I was retired on 3 Nov having started on 23 Apr 95 (yep, it was a Sunday).

    Anyone particularly knowledgeable about the Civil Service Classic and alpha schemes with ill-health retirement, please?!
    Mortgage Free in Three T4; target to clear (or offset) mortgage by 25 Jan 19
    £73,000 for a target Mortgage balance of £NOTHING
    £61,000 of a £20,000 target Cash ISAs
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Page 1
    • GunJack
    • By GunJack 26th Nov 17, 9:02 AM
    • 9,882 Posts
    • 7,362 Thanks
    GunJack
    • #2
    • 26th Nov 17, 9:02 AM
    • #2
    • 26th Nov 17, 9:02 AM
    Ask them for a complete breakdown of their calculations so you can compare it with what you've actually done...that would be a starting point
    ......Gettin' There, Wherever There is......
    • Kynthia
    • By Kynthia 26th Nov 17, 11:35 AM
    • 5,043 Posts
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    Kynthia
    • #3
    • 26th Nov 17, 11:35 AM
    • #3
    • 26th Nov 17, 11:35 AM
    Are you in a union as some have a pension expert that can help? Not the rep but someone who specialises in the scheme.
    Don't listen to me, I'm no expert!
    • taking stock
    • By taking stock 26th Nov 17, 12:02 PM
    • 144 Posts
    • 173 Thanks
    taking stock
    • #4
    • 26th Nov 17, 12:02 PM
    • #4
    • 26th Nov 17, 12:02 PM
    under Classic, there's two tiers - one which adds what you would have earned up to NRA and the lower tier just gives what you've built up to date, but without actuarial reduction for early payment.
    do you know under which terms you were retired?
    • xylophone
    • By xylophone 26th Nov 17, 12:09 PM
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    xylophone
    • #5
    • 26th Nov 17, 12:09 PM
    • #5
    • 26th Nov 17, 12:09 PM
    http://www.civilservicepensionscheme.org.uk/media/95181/epafs_v2_310315.pdf

    If you retire through ill-health, the EPA portion of your pension has no effect on how your benefits are worked out, or the age used in the tests by the scheme medical advisers. They will use your SPA.

    They will still check to see if you will be able to return to employment by your NPA, not the age you could take the EPA portion of your alpha pension.


    Is the above relevant to your concerns?
    • BobQ
    • By BobQ 26th Nov 17, 11:31 PM
    • 9,824 Posts
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    BobQ
    • #6
    • 26th Nov 17, 11:31 PM
    • #6
    • 26th Nov 17, 11:31 PM
    under Classic, there's two tiers - one which adds what you would have earned up to NRA and the lower tier just gives what you've built up to date, but without actuarial reduction for early payment.
    do you know under which terms you were retired?
    Originally posted by taking stock
    OP, there are several publications that may apply (see below). Your heading mentions Classic and Alpha. They have different rules.

    In Classic one class of ill health retirement applies if you are unable to do any work, the second if you are unlikely to do your job.

    You do need to find out which scheme applies and the basis of the calculation which My CSP should be able to fully explain to you.

    http://www.civilservicepensionscheme.org.uk/members/publications/
    Few people are capable of expressing with equanimity opinions which differ from the prejudices of their social environment. Most people are incapable of forming such opinions.
    • poorchester
    • By poorchester 27th Nov 17, 11:28 AM
    • 12 Posts
    • 10 Thanks
    poorchester
    • #7
    • 27th Nov 17, 11:28 AM
    • #7
    • 27th Nov 17, 11:28 AM
    In Classic there is only one tier. The amount of enhancement depends on the number of years of service one has.
    The OP would appear to have moved to Alpha before retirement so there will be no enhancement to the Classic part of their pension.
    http://www.civilservicepensionscheme.org.uk/media/95257/pbihr_web-20150714.pdf
    • taking stock
    • By taking stock 27th Nov 17, 7:58 PM
    • 144 Posts
    • 173 Thanks
    taking stock
    • #8
    • 27th Nov 17, 7:58 PM
    • #8
    • 27th Nov 17, 7:58 PM
    yes of course, 2 tiers in alpha..
    http://www.civilservicepensionscheme.org.uk/media/95090/alpha_schemeguides5_colour.pdf
    • BobQ
    • By BobQ 30th Nov 17, 11:10 PM
    • 9,824 Posts
    • 12,760 Thanks
    BobQ
    • #9
    • 30th Nov 17, 11:10 PM
    • #9
    • 30th Nov 17, 11:10 PM
    In Classic there is only one tier. The amount of enhancement depends on the number of years of service one has.
    The OP would appear to have moved to Alpha before retirement so there will be no enhancement to the Classic part of their pension.
    http://www.civilservicepensionscheme.org.uk/media/95257/pbihr_web-20150714.pdf
    Originally posted by poorchester
    Yes you are right the two tiers relate to Premium, thanks for correcting my memory! Alpha also has a two tier approach using similar criteria
    Last edited by BobQ; 30-11-2017 at 11:21 PM.
    Few people are capable of expressing with equanimity opinions which differ from the prejudices of their social environment. Most people are incapable of forming such opinions.
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