UUPS - About United Utilities

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Contents3 About this Guide4 Your choice in brief5 How the Defined Contribution section of UUPS works6 UUPS - Defined Contribution section at a glance7 Joining8 Contributions10 Ways to increase your benefits11 Transfers from other schemes12 Investment14 Retirement benefits17 State benefits and your UUPS pension18 Benefits payable on death19 Expression of Wish forms20 Leaving UUPS21 Pension increases21 Family questions22 Her Majesty’s Revenue and Customs allowances23 General information25 Contacts (useful names and addresses)26 Glossary of terms2
About this GuideThis Guide tells you about theDefined Contribution section of theUnited Utilities Pension Scheme(UUPS) and is intended as an easyreference guide for you.Nothing in the Guide, however, can override the legalposition which is set out in the Trust Deed and Rules,copies of which are available for your inspection onthe United Utilities website (please see page 25)Some of the words and phrases used have specialmeanings that are set out in the Glossary of Termson page 26. Where these appear in the text they areshown in bold print.The Company and the Trustee are not allowed by theFinancial Services and Markets Act, 2000 to adviseyou whether a particular pension plan is appropriatefor you, or which choice you should make.This Guide is applicable to employees who join theDefined Contribution section of UUPS on or after1 July 2003.Revised March 2009Keep this Guide in a safeplace – you or your next ofkin may need to use it.3
Page 1: UNITED UTILITIESPENSION SCHEMEMembe
Page 5 and 6: How the Defined Contributionsection
Page 7: JoiningMembership of the DefinedCon
Page 10 and 11: Ways to increase your benefitsYou h
Page 12 and 13: InvestmentYou have a number of choi
Page 14 and 15: Retirement benefitsThe following se
Page 16 and 17: GROUP INCOME PROTECTION SCHEME(GIP
Page 18 and 19: Benefits payable on deathWhether yo
Page 20 and 21: Leaving UUPSIf you leave UUPS, fori
Page 22 and 23: Her Majesty’s Revenue and Customs
Page 24 and 25: OTHER PENSION BODIESA number of oth
Page 26 and 27: Glossary of termsSome of the words
Page 28: unitedutilities.com/pensions01925 2

UUPS - About United Utilities

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