PENSIONS PLUS | JUNE 2016 | ISSUE 71
PENSIONS PLUS
GROUP RESTRUCTURING
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his article would provide members with information on the restructuring of the RWE group and the impact on the Scheme given that it is likely key decisions about the future of the Group will be made by the end of March. It would be prepared by the Group Administrator and be approximately ½ page in length This article would provide members with information on the restructuring of the RWE group and the impact on the Scheme given that it is likely key decisions about the future of the Group will be made by the end of March. It would be prepared by the Group Administrator and be approximately ½ page in length This article would provide members with information on the restructuring of the RWE group and the impact on the Scheme given that it is likely key decisions about the future of the Group will be made by the end of March. It would be prepared by the Group Administrator and be approximately ½ page in length. This article would provide members with information on the restructuring of the RWE group and the impact on the Scheme given that it is likely key decisions about the future of the Group will be made by the end of March. It would be prepared by the Group
Administrator and be approximately ½ page in length. This article would provide members with information on the restructuring of the RWE group and the impact on the Scheme given that it is likely key decisions about the future of the Group will be made by the end of March. It would be prepared by the Group Administrator and be approximately ½ page in length.
IN THIS ISSUE 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14.
Restructuring of the RWE group Impact of the March 2016 Budget Group Trustee changes Online Benefit Statements LIFETRACK Update Death Benefits Governance Series #5 - Custodianship Report from the Sixways Stadium Open Meeting Forthcoming Member meetings ESPS AGM Update on the Scheme Administrator Update on DC Administration Services DC Education – What is an annuity? Obituaries 1
PENSIONS PLUS | JUNE 2016 | ISSUE 71
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IMPACT OF THE MARCH 2016 BUDGET
This article would provide a brief summary of the pensions impact of the March 2016 Budget announcements. It would be prepared by the Group Administrator and the Group Actuary and be approximately ¼ page in length. This article would provide a brief summary of the pensions impact of the March 2016 Budget announcements. It would be prepared by the Group Administrator and the Group Actuary and be approximately ¼ page in length. This article would provide a brief summary of the pensions impact of the March 2016 Budget announcements. It would be prepared by the Group Administrator and the Group Actuary and be approximately ¼ page in length. This article would provide a brief summary of the pensions impact of the March 2016 Budget announcements. It would be prepared by the Group Administrator and the Group Actuary and be approximately ¼ page in lengthThis article would provide a brief summary of the pensions impact of the March 2016 Budget announcements. It would be prepared by the Group Administrator and the Group Actuary and be approximately ¼ page in length. This article would provide a brief summary of the pensions impact of the March 2016 Budget announcements. It would be prepared by the Group Administrator and the Group Actuary
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GROUP TRUSTEE CHANGES
It is proposed that a short article be included in the June edition of Pensions Plus to notify members that Rebecca Wall has been appointed as a Group Trustee. It would be prepared by the Group Administrator and be no more than ¼ page in length. It is proposed that a short article be included in the June edition of Pensions Plus to notify members that Rebecca Wall has been appointed as a Group Trustee. It would be prepared by the Group Administrator and be no more than ¼ page in length. It is proposed that a short article be included in the June edition of Pensions Plus to notify members that Rebecca Wall has been appointed as a Group Trustee. It would be prepared by the Group Administrator and be no more than ¼ page in length. It is proposed that a short article be included in the June edition of Pensions Plus to notify members that Rebecca Wall has been
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PENSIONS PLUS | JUNE 2016 | ISSUE 71
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4
ONLINE BENEFIT STATEMENTS
This article would remind members of the move to online benefit statements and highlight that the June benefit statements will be available on LIFETRACK. It would be prepared by the Group Administrator and be no more than ¼ page in length.
3
2
1 Ratio. DC Active
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Ga. Ut
DC Deferred
75%
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10%
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appointed as a Group Trustee. It would be prepared by the Group Administrator and be no more than ¼ page in length. It is proposed that a short article be included in the June edition of Pensions Plus to notify members that Rebecca Wall has been appointed as a Group Trustee. It would be prepared by the Group Administrator and be no more than ¼ page in length. It is proposed that a short article be included in the June edition of Pensions Plus to notify members that Rebecca Wall has been appointed as a Group Trustee. It would be prepared by the Group Administrator and be no more than ¼ page in length. It is proposed that a short article be included in the June edition of Pensions Plus to notify members that Rebecca Wall has been appointed as a Group Trustee. It would be prepared by the Group Administrator and be no more than ¼ page in length. It is proposed that a short article be included in the June edition of Pensions Plus to notify members that Rebecca Wall has been appointed as a Group Trustee. It would be prepared by the Group Administrator and be no more than ¼ page in length.
10%
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This article would remind members of the move to online benefit statements and highlight that the June benefit statements will be available on LIFETRACK. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the move to online benefit statements and highlight that the June benefit statements will be available on LIFETRACK. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the move to online benefit statements and highlight that the June benefit statements will be available on LIFETRACK. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the move to online benefit statements and highlight that the June benefit statements will be available on LIFETRACK. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the move to online benefit statements and highlight that the June benefit statements will be available.
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LIFETRACK UPDATE
This article would remind members of the changes being made to LIFETRACK in June 2016. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the changes being made to LIFETRACK in June 2016. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the changes being made to LIFETRACK in June 2016. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the changes being made to LIFETRACK in June 2016. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the changes being made to LIFETRACK in June 2016. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the changes being made to LIFETRACK in June 2016. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would remind members of the changes being made to LIFETRACK in June 2016. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would LIFETRACK in June 2016.
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PENSIONS PLUS | JUNE 2016 | ISSUE 71
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DEATH BENEFITS
This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on
death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length. This article would be included as a follow up to the Member Survey on death benefits. It would provide further information on the potential death benefits available from the Scheme and include a pull out information sheet for members. It would be prepared by the Group Administrator and be approximately 1 page in length.
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PENSIONS PLUS | JUNE 2016 | ISSUE 71
GOVERNANCE SERIES #5 CUSTODIANSHIP Feri ut fugit que et quunti autem eturia volupta turibus. Nus. Ut officaeped ulparchit ut ipitat et quia aut et et autatur aut lamendi stibus el ius solorio. Sit dollab ium fuga. Et laciet alis sit quiaspis solupta nessum faccabo ribusam apiet
T
his article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of
Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator and be approximately 1 page in length. This article would continue the governance series on the appointment of Group Trustee advisers. It is proposed this fifth article in the series would focus on custodianship. The article would be prepared by the Group Administrator. 5
PENSIONS PLUS | JUNE 2016 | ISSUE 71
MEMBER INFORMATION
PENSIONS PLUS | JUNE 2016 | ISSUE 71
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FORTHCOMING MEMBER MEETINGS
This article would inform members of the details of the arrangements for the 2016 Open Meetings. The article would be prepared by the Group Administrator and be no more than ¼ page in length.
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This article would inform members of the details of the arrangements for the 2016 Open Meetings. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 Open Meetings. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 Open Meetings. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 Open Meetings. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 Open Meetings. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements.
REPORT FROM THE SIXWAYS STADIUM OPEN MEETING
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his article would constitute the report provided to the Group Administrator by Elected Group Trustees attending the meeting at Sixways Stadium in Worcester in May 2016 and would be approximately ¼ page in length. This article would constitute the report provided to the Group Administrator by Elected Group Trustees attending the meeting at Sixways Stadium in Worcester in May 2016 and would be approximately ¼ page in length. This article would constitute the report provided to the Group Administrator by Elected Group Trustees attending the meeting at Sixways Stadium in Worcester in May 2016 and would be approximately ¼ page in length. This article would constitute the report provided to the Group Administrator by Elected Group Trustees attending the meeting at Sixways Stadium in Worcester in May 2016 and would be approximately ¼ page in length. This article would constitute the report provided
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BE AWARE OF PENSION SCAMS to the Group Administrator by Elected Group Trustees attending the meeting at Sixways Stadium in Worcester in May 2016 and would be approximately ¼ page in length. This article would constitute the report provided to the Group Administrator by Elected Group Trustees attending the meeting at Sixways Stadium in Worcester in May 2016 and would be approximately ¼ page in length. This article would constitute the report provided to the Group Administrator by Elected Group Trustees attending the meeting at Sixways Stadium in Worcester in May 2016 and would be approximately ¼ page in length.
Members who have been approached by a person or company offering to convert their pension benefits into cash should take care. Many of these schemes are fraudulent and all have significant financial implications which can include heavy tax penalties. We strongly advise that you take appropriate financial advice before proceeding.Please contact the RWE npower Pension Team if you have any concerns, or visit www.thepensionsregulator.gov.uk/pensionscams.aspx for more information.
ESPS AGM
This article would inform members of the details of the arrangements for the 2016 ESPS Annual General Meeting. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 ESPS Annual General Meeting. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 ESPS Annual General Meeting. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 ESPS Annual General Meeting. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 ESPS Annual General Meeting. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the details of the arrangements for the 2016 ESPS Annual General Meeting. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members.
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UPDATE ON THE SCHEME ADMINISTRATOR
This article would inform members of the name change of Willis Towers Watson and new contact details. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the name change of Willis Towers Watson and new contact details. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the name change of Willis Towers Watson and new contact details. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the name change of Willis Towers Watson and new contact details. The article would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members of the name change of Willis Towers Watson and new contact details. The article would be prepared by the Group Administrator and be no more than ¼ page in length. 7
PENSIONS PLUS | JUNE 2016 | ISSUE 71
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DC ADMINISTRATION SERVICES UPDATE
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PENSIONS PLUS | JUNE 2016 | ISSUE 71
DC EDUCATION – WHAT IS AN ANNUITY?
This article would inform members that the DC Administration Services will be moving from Redhill to Leeds. It would be prepared by the Group Administrator and be no more than ¼ page in length.
This article would continue the focus on DC education and explain the concept of an annuity to members. It would be prepared by the Group Administrator and be no more than ¼ page in length.
This article would inform members that the DC Administration Services will be moving from Redhill to Leeds. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members that the DC Administration Services will be moving from Redhill to Leeds. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members that the DC Administration Services will be moving from Redhill to Leeds. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members that the DC Administration Services will be moving from Redhill to Leeds. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members that the DC Administration Services will be moving from Redhill to Leeds. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would inform members that the DC Administration Services will be moving from Redhill to Leeds. no more than ¼ page in length. This article would inform members that the DC Administration Services will be moving from Redhill to Leeds.
This article would continue the focus on DC education and explain the concept of an annuity to members. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would continue the focus on DC education and explain the concept of an annuity to members. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would continue the focus on DC education and explain the concept of an annuity to members. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would continue the focus on DC education and explain the concept of an annuity to members. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would continue the focus on DC education and explain the concept of an annuity to members. It would be prepared by the Group Administrator and be no more than ¼ page in length. This article would continue the focus on DC education and explain the concept of an annuity to members. It would be prepared by the Group Administrator and be no more than ¼ page in length. It would be prepared by the Group Administrator.
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OBITUARIES Since the beginning December 2015, we have been notified that the following members have passed away:
Title
Forename(s)
Surname
Date of Death
Location
Mr
William George
Edwards
22/07/2015
Aberthaw
Mr
Derek Albert V
Iggleden
06/09/2015
Ashford Electricity Generating Board
Mrs
Elaine
Whitehead
07/09/2015
Barnsley
Mr
Allan George
Shaw
11/09/2015
Blyth
Mr
Frederick George
Coulter
24/08/2015
Blyth
Mr
Keith Goran Victor
Wilding
09/09/2015
Bold Power Station
Mr
George Thomas
Hoare
27/07/2015
Brighton
Mr
Frederick George W
Bartup
20/08/2015
Brighton
Mr
Raymond Frank
Roberts
25/08/2015
Brighton
Mr
Peter
Holmes
01/09/2015
Brighton
Mr
Norman
Gray
03/08/2015
Carmarthen Bay
Mr
Alfred Henry Charles
Bircher
07/08/2015
Castle Meads
Mr
Ronald
Easton
26/08/2015
Castleford
Mr
Cyril
Roe
07/07/2015
CEGB
Mr
Anthony
Thomas
26/07/2015
CEGB
Mr
Donald
Barker
04/08/2015
CEGB
Mr
Victor McKenzie
Middleton
26/08/2015
CEGB
Mr
Edward John
Morgan
30/08/2015
CEGB
Mr
Frederick George
Godwin
02/09/2015
CEGB
Mr
George Frederick
Wressell
06/09/2015
CEGB
Mr
Maurice Allan
Amos
19/09/2015
CEGB
Mrs
Beryl
Murray
28/09/2015
CEGB
Mr
Albert John
Bladon
09/09/2015
Didcot
Mr
Charles Anthony
Brock
14/09/2015
Didcot
Mr
Rodney
Bayley
22/09/2015
Didcot
Mr
Robert Martin
Harris
17/09/2015
Drax
Mr
John
Parkes
30/09/2015
Edgecross
Mr
James Charles John
Allen
05/09/2015
Farringdon
Mr
David
Purdue
27/09/2015
Fawley
Mr
Robert Edward
Gray
27/09/2015
Fawley
Mr
Arthur
Dibb
09/09/2015
Ferrybridge
Mr
Anthony Cooper
Franks
29/07/2015
Ferrybridge
Mr
Dennis
Atkinson
22/09/2015
Foss Island
Dr
Joan Evelyn
Rippon
24/08/2015
Grove Road
Mr
Donald Stansfield
Mitchell
12/08/2015
Huddersfield
Mr
Charles
Valentine
07/09/2015
Hull
Mr
James William
Fletcher
24/09/2015
Hull
Mr
Eric Francis
Snell
08/09/2015
Ipswich
Mrs
Ida Maureen
Bean
09/07/2015
Leatherhead
Mr
Kenneth Anthony
Spratley
04/08/2015
London
Mr
Leslie Frank
Moorcroft
23/09/2015
London
Mr
Samuel Brittan
Hosegood
14/09/2015
Marchwood 9
PENSIONS PLUS | JUNE 2016 | ISSUE 71
WHO TO CONTACT? Do you have a question about...
Payment of your pension, or entitlement to benefits and any changes in your personal circumstances Deduction of tax from your pension?
The Member Helpline: 01737 227557 rwenpower@towerswatson.com RWE npower Pensions Team PO Box 545, Redhill, Surrey RH1 1YX Any queries relating to your tax coding should be directed to HM Revenue & Customs. Please remember to quote your National Insurance Number and the tax reference – 567/C5001 0300 200 3300 HM Revenue & Customs (Leeds 1) Castle House, Lisbon Street, Leeds LS1 4SG
Expression of wish form
Obtaining copies of scheme documents? A matter requiring the Scheme Trustees’ attention?
If your personal circumstances have changed, please remember to update your Expression of Wish Forms. You can now do this online through LIFETRACK.
020 7418 7012 GAsecretariat@trusteesolutions.co.uk Kate Hardingham Scheme Administrator, RWE npower Group of the ESPS c/o Trustee Solutions Limited, 30 Crown Place, London EC2A 4ES
LIFETRACK
You can access your pension records via the Scheme online portal LIFETRACK. RWE employees with access to Your Hub should access it via the LIFETRACK option on Your Hub via www.yournpowerhub.com All other members should access it via https://epa.towerswatson.com/doc/RWE/login.htm.
Do you need support?
The Electrical Industries Charity operates a helpline which is available to all staff and retired employees and provides direct access to welfare support, financial assistance and guidance on personal matters. For advice or to make an application: 0800 652 1618 www.electricalcharity.org
PowerDraw
RWE has its very own monthly lottery-style draw. The money raised will help to support existing and retired colleagues and their dependants manage significant life events such as health issues. Buy up to 10 numbers (£1 per number) and be in with a chance to win up to £1,000 per month. With an additional two special draws in January and July, where you can win up to £5,000. For further details or to apply: 0370 330 0218 www.electricalcharity.org/index.php/rwe-npower-lottery/how-to-play
USEFUL WEBSITES
www.thepensionservice.gov.uk Run by the Department for Work and Pensions (DWP), this site provides computerised versions of all DWP leaflets, brochures and forms. You can also call at your local DWP office and pick up relevant leaflets. www.thepensionsregulator.gov.uk The Pensions Regulator is the regulatory body for all work-based pension schemes in the UK. Its aim is to work to improve confidence in work-based pensions by protecting members’ benefits and encouraging high standards and good practice in running pension schemes. www.pensionsadvisoryservice.org.uk The Pensions Advisory Service (TPAS) is an independent, non-profit organisation that provides free information, advice and guidance, on the whole spectrum of pensions, including state, company, personal and stakeholder pension schemes. You can ring TPAS directly on 0845 601 2923 for further information. www.unbiased.co.uk The site unbiased.co.uk is run by IFA Promotion Ltd, the industry body responsible for promoting independent financial advice in the UK. It will enable you to locate an Independent Financial Adviser (IFA) near you.
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www.moneyadviceservice.org.uk The Money Advice Service helps people manage their money. They do this directly through their own free and impartial advice service. They also work in partnership with other organisations to help people make the most of their money. They are an independent service, set up by government. The Board of the Money Advice Service is appointed by, but acts independently of, the Financial Conduct Authority (FCA). www.hmrc.gov.uk This is the site of HMRC (Her Majesty’s Revenue and Customs), formerly the Inland Revenue. The site includes a section on Pensions Tax Simplification (A-Day) and has links which enable the download of Protection Forms and Completion Notes, for those that may need them. www.annuity-bureau.co.uk This site includes information on annuities and details of rates offered by the different providers. You can also contact them on 0800 071 8111. www.gov.uk/pensionwise This is the site of the Government free and impartial service to help you understand what your choices are and how they work.