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SMART Pensions

SMART Pensions can mean more money in your pay.
The Company introduced an arrangement known as SMART Pensions with effect from 1 January 2006 and the majority of the Company’s eligible employees have joined.
 
SMART Pensions results in employees and the Company paying lower National Insurance (NI) contributions. The majority of employees receive higher take home pay.
 
A brief summary of SMART Pensions including the possible savings you can make is shown in in the SMART booklet.

What if I change my mind?

You will be able to opt in or out of SMART Pensions during September each year. Normally the change will take effect from the November payroll.
 
Please remember that if you are unsure about whether you should join, the Trustees and the Company cannot give you advice. If you need advice, please contact an Independent Financial Adviser.