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A pension scheme contracted out of the State Earnings Related Pension Scheme (SERPS) and later the State Second Pension (S2P).
We launched the TUTMAN B&CE Contracted-out Pension in 1988, specifically for the construction industry. Basically it allowed employed construction workers to get some of their employer’s and their own National Insurance tax payments contributed into their pension instead.
Your savings are still invested and accessible – you just might need to transfer them to another pension scheme or provider to take the option you want – such as The People’s Pension (which is also provided by B&CE).
Nowadays there are more ways to take your pension savings than ever, so you’ll be able to find a way that suits your needs…
To get the most from your pension when you retire – now more than ever – it pays to think ahead.
What to think about as you approach retirement