Your options

The BTB Pension Scheme gives you:

  • A pension at retirement that is increased every year in line with increases in the cost of living
  • The option to exchange some of your pension for a tax-free cash lump sum
  • An immediate pension at any age if you have to retire early because of
    ill health
  • Pensions for your spouse/civil partner and dependent children
  • A lump sum death benefit for your loved ones if you die in service
  • The facility to increase your benefits on retirement by paying tax-efficient Additional Voluntary Contributions
  • Options to transfer your pension to another scheme or take a cash refund of your contributions, if you leave your employer