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