Royal Ordnance Pension Scheme

You pay 9.29% of your Pensionable Pay into the Scheme.

Your employer pays the balance of the cost of providing your pension from the Scheme.

Details of how you can start paying regular monthly AVCs or pay a one-off lump sum AVC  can be found in the Paying Additional Voluntary Contributions pension guide.

Please refer to the Working part time pension guide.

Crown Service and 1984 membrs can retire at any time after age 50.

Currently BMARC members can retire at any time after age 55. However this will increase to age 57 when the government increases the minimum pension age from 6 April 2028.

If you take your pension before age 65, there may be an Early Retirement Factor applied.

More details can be found in your Member Booklet.

Most members can run instant retirement quotations via Aptia's online member portal OneView. If you are unable to run a quote via OneView can you submit a request via Contact Aptia Pensions (go to 'Raise a Request' then 'Retirement').

Your pension (excluding any Additional Voluntary Contributions) cannot exceed 2/3rds of your Final Earnings. This is known as the ‘Scheme Maximum’.

You can find out more by reading the Scheme Maximum pension guide.

A Nomination of Beneficiaries form is an important part of the decision making process when the Trustee is considering the distribution of benefits in the event of your death.

Please log into OneView to update your Nomination of Beneficiaries. Please be aware that if you have Additional Voluntary Contributions (AVCs) held in the Mercer Master Trust you must complete a separate Nomination of Beneficiaries form for this arrangement via Mercer Money.

Your pension will remain in the Scheme until you retire unless you decide to transfer it to another pension scheme. During the period between you leaving and when you take your benefits your pension will be increased in line with inflation.

More information can be found in your Member Booklet.

Any change to a home address by an active member must be updated via SuccessFactors (or your HR platform for any other participating employer other than BAE Systems) rather than by going directly to Aptia. Your employer will notify Aptia of any change of address via the monthly interface they issue.

Deferred and pensioner members should notify Aptia. You can do this online via OneView or my going to Contact Aptia Pensions and selecting 'Raise a Request' then 'Change your details'.