The Scheme gives you a final salary pension when you retire and provides death benefits for your dependants.
Contributions to ROPS can be made under SMART Pensions. Paying your contributions in this way means that you could pay lower National Insurance Contributions.
You can also choose to pay Additional Voluntary Contributions (AVCs) in order to increase your retirement benefits. The Trustee has chosen Standard Life for the investment of AVCs. By accessing the Standard Life website you will be able to find out all the information you need 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 AVC account online by accessing Standard Life's Online Services.
The Scheme provides benefits if you die so please keep your Expression of Wish Form up to date.