CWPF Defined Benefit Scheme

The Defined Benefit Scheme, or "DBS" is a typical defined benefit scheme.

The DBS is now closed to future accrual - meaning no more pension is built up in this scheme. Your pensions is based on your earnings and how long you have worked.

Bite-size guides to your pension

Find out everything you need to know about your pension

Find out the main highlights
Understand what you can do with your pension  
Find out what happens to your pension before you retire
See what will pass on to your loved ones

Planning for the future and for your retirement, can feel difficult. But the earlier you do it, the easier it is. 

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My retirement

When you are ready to take your pension, let us know.

We will pay you a pension for life. You can give up part of your pension for a tax-free lump sum which we'll pay to you soon as possible after you retire.

You don’t have to keep your pension with us. You can transfer it to a ‘defined contribution’ pension and take it in flexible ways.

We'll tell you more about these options and how you can take advantage of them when you come to retire.

My pension now I've left

We'll keep your pension here with us until you decide to take it, transfer it to another provider or die.

We'll keep in touch with you and send updates to let you know how your pension is progressing.

You can move your pension to another pension provider, but you usually need to take financial advice first. Get in touch with us if you would like to do this.

My pension if I die

If you die before or after you retire, we will usually pay half your pension to your spouse or civil partner.

We guarantee your pension for 5 years so if you die within this period, we will pay the remaining payments as a lump sum.

If you die while still an active member of DBS we'll also pay a tax-free lump sum of at least 2x your salary.

Tell us the person, people or organisations you would like to leave any lump sum to - head to PensionsOnline to add your nomination

If your circumstances change, remember to update your nomination. To keep this tax-free we have discretion over who receives any lump sum but we'll be guided by your wishes. 

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Pensions technical area

If you're looking for help with a technical question, and you can't find the answer on this page, check out our technical area. You might find the answer there. If not, get in touch with us and we can help.

Get answers to tricky questions

How to make a complaint

We make every effort to provide you with an efficient and effective service. However, if you are unhappy with the service you receive, please contact us first and we will do our best to resolve your issue. You can download our complaints procedure here.

If you have a complaint or dispute concerning your workplace or personal pension arrangements, you can also contact the Pensions Ombudsman. If you have general requests for information or guidance head to MoneyHelper.

The Pensions Ombudsman

Tel: 0800 917 4487
Email: [email protected]  




Contact us

We are here to help. You can contact us by:

Phone: 020 7898 1802 (9am - 5pm, Monday to Friday)

Email: [email protected]