Level 100+ provides benefits based on two elements:
  • A final salary element based on your salary near to the date you leave or retire and the number of years that you contribute. For this part of your pension you pay 4% contribution and the Company pays the balance of the cost of the pension. You can find out more about the final salary element of your 100+ pension by logging into MyPension.
  • A Defined Contribution (DC) element called your Retirement Account.  The Company pays 2% of your basic salary into your Retirement Account. You can also pay Additional Voluntary Contributions (AVCs) into your Retirement Account. You can find out more about the DC element of your 100+ pension by accessing the Standard Life website.
The pension payable from your Retirement Account will depend upon the contributions paid in and the investment returns achieved by the funds you have selected.

The Trustee has chosen Standard Life for the investment of your Retirement Account, together with any AVCs that you might choose to pay.  By accessing the Standard Life website you will be able to find out all the information you need regarding your Retirement Account and about paying AVCs, the investment choices available, your options on retirement, as well as the forms required to start paying or to change the level of your AVC payments. From here you can also manage your Retirement Account online by accessing Standard Life's Online Services.
Contributions to the Level 100+ Scheme can be paid under SMART Pensions. Paying your contributions in this way means that you could pay lower National Insurance Contributions.
The Scheme also provides benefits if you die so please keep your Expression of Wish Form up to date.
Any questions? Have a look at the Quick help or contact the Pensions Service Centre.
The BAE Systems Pension Scheme Consultative Committee exists to promote a better understanding of issues facing members in the pensions field. Representatives of this Committee are able to support members. They provide a formal channel through which matters that are of particular interest or concern to both in-service and deferred members can be raised. They are also actively involved in improving communication links between the Company and Scheme members. If you would like to discuss a pensions matter, please refer to the Consultative Committees page for further information and to find the contact details of a Representative local to you.


Members of the BAE Systems Pension Scheme (excluding SIPS Benefits and DC Retirement Plan members) and Royal Ordnance Pension Scheme - log in to view your pension information online whenever you want to.


Standard Life

Members with DC Benefits including AVCs - log in to review your pension information online whenever you want it.

Pension Wise

Free and impartial government guidance to help you understand what you can do with your DC and AVC benefits. 


Impartial guidance that's backed by government to make your money and pension choices clearer.

Hargreaves Lansdown

Hargreaves Lansdown has been appointed to provide a Retirement Service for members with DC and AVC benefits, to help them make an informed choice about their retirement options. The service is provided on a non-advised basis. 

Forms and downloads

AVC - Level 100+ AVC Lump Sum 2022-2023

162.83 KB

Level 100+ Member Booklet 

1.02 MB

Level 100+ Expression of Wish form

103.75 KB

Aircrew Addendum 100+

463.33 KB