GMP uprating

polymaff

xylophone wrote: »

You did not mention a reduction?

Sorry, my mistatement. A reduction only with respect to my anticipated 2014/15 Rate - due, as you say, to the Pre-1988 GMP not being increased.

Thank you for the USS document. It seems to me that the procedure quoted there is just what I am trying to follow with Teachers' Pensions - and to which Teachers' Pensions are being extremely obstructive.

"Increases on your GMP will not be paid by the DWP if you: ...

• have deferred commencement of the payment of your basic state
retirement pension beyond state pension age and are not in receipt of
invalidity benefit, ....

If it is established that the DWP is not providing increases on your GMP, USS will be able to increase your main section pension from USS once confirmation of the situation has been received."

So much clearer than the self-contradictory, ambiguous, clearly un-proof-read claptrap at:
https://www.teacherspensions.co.uk/members/the-scheme/retired-teacher/guaranteed-minimum-pension.aspx

xylophone

I suppose that you could refer to the information given in the USS document and enquire whether TPS treats members in the same way?

Would you need to obtain a letter from DWP confirming that you have deferred your state pension?

greenglide

Hmm, DWP would only know that you had deferred up to the current date. They could never say you had deferred for the next year, two years etc.

Roll on April 2016 when all this goes away (for people achieving SPA after that date) although this is not, necessarily, good news for private sector schemes who look as though there will no requirement to inflation proof the GMP when the new STP comes in and DWP stop doing it.

polymaff

xylophone wrote: »

I suppose that you could refer to the information given in the USS document and enquire whether TPS treats members in the same way?

Would you need to obtain a letter from DWP confirming that you have deferred your state pension?

Yes, but in both cases I need to get some sort of dialogue going with TPS - and that just isn't happening. If they accept my claim then I'd guess that the only proof IS some sort of DWP statement about State Pension paid in an accounting period - but they'll be being asked to confirm a non-activity, for which I doubt that they have any procedures!

polymaff

greenglide wrote: »

Hmm, DWP would only know that you had deferred up to the current date. They could never say you had deferred for the next year, two years etc.

Roll on April 2016 when all this goes away (for people achieving SPA after that date) although this is not, necessarily, good news for private sector schemes who look as though there will no requirement to inflation proof the GMP when the new STP comes in and DWP stop doing it.

Quite - but this cannot be something no other Teacher has been involved in, so there must be some precedent.

As for April 2016 - don't get me going :wall:

xylophone

Quite - but this cannot be something no other Teacher has been involved in, so there must be some precedent.

I don't know about teachers but this from NHS pensions might be of interest:http://www.nhsbsa.nhs.uk/Documents/Pensions/GMP_Questions_and_Answers.pdf

"The scheme pays the increase on the whole pension, including the GMP
element, until the GMP comes into force. This is normally when the member is paid their State Pension but in some cases can be later, for example, when an individual either actively defers or does not claim their State Pension at State Pension age."

polymaff

xylophone wrote: »

I don't know about teachers but this from NHS pensions might be of interest:http://www.nhsbsa.nhs.uk/Documents/Pensions/GMP_Questions_and_Answers.pdf

"The scheme pays the increase on the whole pension, including the GMP
element, until the GMP comes into force. This is normally when the member is paid their State Pension but in some cases can be later, for example, when an individual either actively defers or does not claim their State Pension at State Pension age."

Another example of a competent, unambiguous document - showing the TPS documentation up in an even shabbier light. Many thanks. I don't imagine that there are many deferring teacher pensioners so we'll have to battle on to set a precedent.

xylophone

deferring teacher pensioners

Just a thought - another regular poster (jem16) is well up on the TPS - I wonder whether a pm to her might yield useful information?

atush

but she is a member of the scottish tps?

xylophone

scottish tps?

I doubt that in this regard there'd be much difference but only jem can say.