Smart salary sacrifice and defined benefit pension

Shimrod

jegface said:

I am in the deferred benefit scheme final salary level 200 not the 100+ scheme.
The Notional salary is less than your contractual basic pay.
The pension is calculated on the last 36 months average pay.
The smart booklets tell you how much you save in your wages.
What the booklets don't tell you is which 36 months pay they use  to calculate your pension.
The contractral or the reduced Notional.

The Smart arrangement handbook contains this:

Pension scheme benefits, overtime, shift premium and discretionary redundancy severance payments continue to be based on your Reference Salary (your salary before the SMART Pensions reduction).

https://www.baesystems.com/sites/Satellite?blobcol=urldata&blobkey=id&blobtable=MungoBlobs&blobwhere=1668617446496&ssbinary=true

jegface

Yes I have read all the booklets and they all say how much you save in your wages and thar you will not lose any benefits such as pay rises and bonuses.
The question I am asking is when come to draw your pension and they calculate an average 36 months which gross are they using.
Your reference gross are the smart Notional gross.
Say your gross is £30,000 under smart it would be £28,000
£30,000 x 3 = £90,000
£28,000 × 3 = £84,000

You have lost £6 000 on your pension calculations.

NoMore

Nobody here can answer you definitively. As you’ve been told ask your pension administrator. However reading the link provided by shimrod, I would interpret that salary sacrifice has no effect on the final salary for your pension benefits. So they would use your gross before salary sacrifice. 

Again the only correct answer will be from your pension admin.