Once you leave Dun & Bradstreet and stop being an active member, you become what’s known as a deferred member of the Plan.

There are different categories for deferred members - this membership type tool will help to identify what type of deferred member you are. You’ll then be able to access the information most relevant to you.

The Career Average Revalued Earnings (CARE) Section of the Plan provided a pension based on a formula (i.e. a defined benefit (DB) pension) based on your average pay over your career. In comparison, the Final Salary pension provided a guaranteed pension based on earnings at the end of your career and length of service.

The Normal Retirement Age for the Final Salary section is 65 for males and 60 for females (this may be different in certain circumstances so if you need clarification on when your retirement age is, please contact Gallagher.

The Normal Retirement Age for the CARE section is 65 for both males and females.

For further information, visited the dedicated CARE page.

If you have DB benefits, why not visit the My Pensions Journey page, to find out what you should be doing to prepare for retirement.

Whatever your change of circumstance, it’s important to make sure your Expression of Wishes form is kept up to date and reflects your current circumstances. The Trustee uses this form to help decide who will receive any death benefits that your loved ones are entitled to in the event of your death. While the form isn’t legally binding, it plays a crucial part in the Trustee decision-making process. If your form isn’t up-to-date, this could delay the payment.

As a deferred member, the easiest way to update your Expression of Wishes is to do so via the Gallagher Member Portal. You can access the Portal by clicking or tapping on the Gallagher Member Portal button in the top right-hand corner of the screen.

Watch our “How to Complete Your Expression of Wish” video to help you through the process.