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  • FIRST POST
    • Silvertabby
    • By Silvertabby 5th Jan 18, 12:09 PM
    • 2,117Posts
    • 2,817Thanks
    Silvertabby
    Co Op (CWS) Pension Scheme
    • #1
    • 5th Jan 18, 12:09 PM
    Co Op (CWS) Pension Scheme 5th Jan 18 at 12:09 PM
    Before anyone says 'write to them to ask' that is my intention - I'm just asking here first in case someone can definitely say I'd be wasting my time.

    To cut a long story short, my dear late mum was never very financially savvy - to her, her pay packet was just something her wages came in, and any accompanying information was just waste paper.

    She worked full time for the co-op before she married - I think something like late 1940s to early 1950s - and then again after she married. This would have been from the early 1960s until the mid 1980s, and so more likely to be at least part pensionable.

    She sadly died not long after her 65th birthday, and I don't recollect seeing any CWS pension information in her paperwork.

    So, my question is, could she have been entered into the CSW pension scheme ?

    Thanks !
Page 1
    • PeacefulWaters
    • By PeacefulWaters 5th Jan 18, 1:47 PM
    • 7,540 Posts
    • 9,432 Thanks
    PeacefulWaters
    • #2
    • 5th Jan 18, 1:47 PM
    • #2
    • 5th Jan 18, 1:47 PM
    The answer is yes, she may have joined. But she may have chosen not to.
    • Silvertabby
    • By Silvertabby 5th Jan 18, 1:58 PM
    • 2,117 Posts
    • 2,817 Thanks
    Silvertabby
    • #3
    • 5th Jan 18, 1:58 PM
    • #3
    • 5th Jan 18, 1:58 PM
    The answer is yes, she may have joined. But she may have chosen not to.
    Possible, as mum didn't believe in paying out if she didn't need to - but, if the same (pre 1988?) rules applied to the CSW as the LGPS, it was only possible to opt out of a company pension if you were already paying into a private pension. And she did pay into her next employer's scheme, as she drew that pension from when she retired at 60.

    It'll be worth the price of a stamp just to put my mind at rest.

    Thanks for your response - I'll let you know how I get on.
    Last edited by Silvertabby; 08-01-2018 at 12:44 PM.
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