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PM78 Railways Pension Scheme Network Rail SectionApplication for Payment of Preserved Benefits When filling in this form, it is important that you read and understand all the instructions before putting.
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Gu14 FAQ
For the 2023/​24 year, your railway pension will increase by up to ​10.1% from ​​10 April 2023. You will be sent a letter advising you of your new pension amount along with the percentage increase.
The Employee Retirement Income Security Act (ERISA) covers two types of retirement plans: defined benefit plans and defined contribution plans. A defined benefit plan promises a specified monthly benefit at retirement.
Your Annual Pension Estimate or Annual Benefit Statement shows the income you're estimated to receive from your rail pension. You can also check this by logging into your myRPS account (or registering if you haven't already).
It is a defined benefit pension scheme which means your pension is based on your salary and how long you pay into the Scheme.
The Trustee looks after your interests as a member of the Railways Pension Scheme. It is the trustee for four railway industry pension schemes. Two of these schemes - the Railways Pension Scheme (RPS) and the British Transport Police Force Superannuation Fund (BTPFSF) - are open to new members.
You can find this on the 'Membership details' page, under the 'My Pension' section of myRPS or on any correspondence from Railpen about your RPS pension.
It is sometimes called a 'company pension', an 'occupational pension' or a 'works pension'. It's tax efficient - as the money you pay in, or contribute, to your pension is taken from your salary before tax is deducted, reducing the overall amount of tax you will pay on your salary.
A defined benefit (DB) pension scheme is one where the amount you're paid is based on how many years you've been a member of the employer's scheme and the salary you've earned when you leave or retire. They pay out a secure income for life which increases each year in line with inflation.
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