Pensions and retirement

Pensions is probably the most complex area that Prospect representatives handle on behalf of members, who are covered by hundreds of different pension schemes.

We represent members’ pension interests in a number of ways:

• providing assistance on specific queries
• encouraging reps to become member-nominated trustees of their pension schemes
• providing training and regular briefings for pension reps and trustees
• taking a leading role in helping members negotiate improvements to their pension schemes
• obtaining independent actuarial advice on changes that employers propose to their pension schemes
• helping members with queries relating to Fair Deal and New Fair Deal

We have an excellent record in dealing with members' pension rights, from:

• resolving problems relating to the late payment of pension benefits
• advising on the detailed application of their scheme's rules
• helping members present cases to the Pensions Ombudsman
• negotiating major improvements to their pension schemes.

We also have information on pensions on our sector pages on, Civil Service Pensions, Nuclear Pensions and BT Pensions.

Understanding pensions

Pensions terminology

Pension disputes

Pension protection fund

Pension tax relief

State pensions

Resources

Individual advice and guidance

Pensions and retirement blog