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FAQ

Click here for Frequently Asked Questions

Former employees

Don't know what type of Deferred member you are?

View this tool to help identify which category of Deferred member you are to help you access the information that is relevant to you.

Money Purchase

As a Money Purchase member the following may be of interest to you:

  1. What is a Guaranteed Minimum Pension? As the Money Purchase scheme was a 'contracted out' scheme, the plan has to provide a certain level of guaranteed minimum benefit, known as the Guaranteed Minimum Pension or GMP.
  2. What is an Underpin? The GMP is provided by an underpin in the Defined benefit pension plan
  3. Are your nomination form and contact details up to date? If not, or you’re not sure, then refer to the details provided under Contact above.

Final Salary or CARE member

As a Final salary or CARE member, the following may be of interest to you:

  1. What is my retirement age? Normal Retirement age in the CARE section is 65 for both males and females. The retirement age in the Final Salary section is 65 for males and 60 for females. This may be different in certain circumstances so if you want or need clarification on when your retirement age is, then please contact Buck using the details provided.
  3. Where can we view information about our Final Salary or CARE (or both) plan benefits? Please access the DB Portal for further details.
  4. Is your email address up to date on the DB Portal? Not sure – contact Buck using the details provided in the Contacts tab.
  5. Is your nomination form up to date? If not, or you’re not sure, then contact Buck.

Deferred DC member

As a Deferred DC member the following may be of interest to you:

  1. Are you aged 55 or over? Would you like to spend some time planning your retirement? Sign up now for a ‘My Retirement, my way’ pre-retirement seminar.
  • read more

    1. You’ll probably have hopes, dreams and aspirations for your own retirement. It might be next year or in several years’ time, but whenever it is, sensible planning is essential. To help you Aviva have a new series of informative, new-look pre-retirement seminars aimed at scheme members who are currently aged 55 and over.

      Starting this year, Aviva’s Financial Education Team and advisers from Aviva’s Financial Advice Team will run the courses.

      What will we talk about?

      The half day seminar will focus on information about pensions and how to find out what you are entitled to. More specifically we will cover the following topics:

      • Lifestyle
      • Financial needs in retirement
      • Retirement savings
      • Personal taxation
      • Next steps
      Want to know more?

      Click here for seminar dates and locations to see which would work best for you. Please note, spaces are limited and are available on a first come, first serve basis but you will get to choose your top 3 preferences, so Aviva can help accommodate you.

    1. Are your nomination form and contact details up to date? If not, or you're not sure, contact Aviva.

Information Zone – all the relevant guides, forms and further information if you were a previous DC member of the Plan is provided here as well as other useful documents such as information on Additional Voluntary Contributions.

See what you've earned to date in the Scheme

Check your Final Salary Leaver Statement and your most recent Defined Benefit pension statement. Ask yourself 'Is this going to be enough to live on when I come to retire'?

Flexibility when you retire

You now have more options available to you at retirement in terms of how you take your pension… view the video to find out more and to discuss any of this further, contact Aviva using the details provided under the Contacts tab.

Check the DB Portal – this contains useful information on your Defined Benefit plan.

You can access the DB Portal to see details on your previous Defined Benefit plan. If you’ve forgotten your log in details then please contact Buck using the details on the Contacts tab.

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Flexibility when you retire

You now have more options available to you at retirement in terms of how you take your pension… view the video to find out more and to discuss any of this further, contact Friends Life using the details provided under the Contacts tab.

The Barber Judgment and the equal treatment of men and women

Generally speaking pension Plan’s used to have different retirement ages for Men and Women for example; 65 for men and 60 for women. This practice was challenged in the European Court of Justice in 1990 and it was ruled that Trustees must pay equal or comparable benefits to men and women from that date.

How this changed the Dun & Bradstreet Pension Plan

The Dun and Bradstreet Plan equalised normal retirement ages for men and women, before the Barber judgment, on 6 April 1988. Before this date men had a normal retirement age of 65 and women had a normal retirement age of 60.

Any person that joined the Plan after 6 April 1988 has a normal retirement age of 65 regardless of gender.

Any person that joined the Plan before 6 April 1988 has a normal retirement age of 60 for their service between 17 May 1990 to 31 March 2004; a normal retirement age of 65 for service after 31 March 2004; and a normal retirement age of 65 or 60 depending on gender for service before 17 May 1990.