Mirror Image Section - About United Utilities

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ContactsThe following contact names are mentionedthroughout the booklet.Group Pensions departmentUnited Utilities PLCDawson HouseLiverpool RoadGreat SankeyWarrington WA5 3LWTel: 01925 237034Group Pensions Manager &Secretary to the TrusteeUnited Utilities PLCDawson HouseLiverpool RoadGreat SankeyWarrington WA5 3LWTel: 01925 237063Scheme AdministratorCapita Hartshead LimitedHartshead House257 Ecclesall RoadSheffield S11 8NXTel: 01142 737331OPASThe Pensions Advisory Service11 Belgrave RoadLondon SW1V 1RBTel: 0845 601 2923 (Local Rate)OmbudsmanThe Pensions Ombudsman11 Belgrave RoadLondon SW1V 1RBTel: 0207 834 9144OPRAThe Occupational Pensions RegulatoryAuthorityInvicta HouseTrafalgar PlaceBrighton BN1 4DWTel: 01273 627600Registrar of Pension SchemesOPRAPO Box 1NNNewcastle-upon-TyneNE99 1NNTel: 0191 225 6393DWPDepartment for Work and PensionsDWP LongbentonNewcastle-upon-TyneNE98 1YX24 United Utilities Pension Scheme Members’ Guide
Glossary of termsSome of the words and phrases used have special meaningswhich are set out below. Where they appear in the Guide,they are shown in bold print.Additional State PensionThe State pension, based partly on earnings, thatis provided in addition to the Basic State Pension.Prior to 6 April 2002 this was known as the StateEarnings Related Pension Scheme (SERPS).From 6 April 2002 SERPS was replaced by theState Second Pension (S2P).Additional Voluntary Contributions (AVCs)Contributions you can choose to pay in addition tothe usual scheme rate to provide additional benefits.CompanyUnited Utilities PLC or associated companies.Final Pensionable EarningsThis is the greater of your Pensionable Earnings inthe twelve months ending on the last day of yourPensionable Service, or your Pensionable Earningsin one of the two preceding years.If your employer has issued you with a certificatestating that your Pensionable Earnings havebeen reduced as a result of a material change inyour circumstances outside your control, thenFinal Pensionable Earnings can, as an alternative,be either Pensionable Earnings in any 12 monthperiod in the last 5 years of Pensionable Service,or the annual average of Pensionable Earnings inany 3 consecutive years in the last 13 years ofPensionable Service.Each year’s Pensionable Earnings will be increase inline with the rise in the Retail Prices Index (RPI) fromthe end of the relevant pay period to the date youleave the Scheme.Guaranteed Minimum Pension (GMP)This is the minimum pension which UUPS has toprovide as a condition of being contracted-out of theState Earnings Related Pension Scheme (SERPS)for service before 6 April 1997 only. It is broadlyequal to the Additional State Pension you wouldhave earned if you had not been contracted-out ofSERPS for this period.IncapacityPhysical or mental ill-health which the Trustee, havingconsidered such medical and other evidence as itdetermines to be appropriate, agrees is permanentand prevents you from carrying out the normal dutiesof your employment.Manual EmployeeYou are a Manual Employee if your job is notwholly or mainly administrative, professional,technical or clerical.United Utilities Pension Scheme Members’ Guide 25
Page 1 and 2: United Utilities Pension SchemeMemb
Page 3 and 4: About this GuideThis Guide tells yo
Page 5 and 6: UUPS - Mirror Image section at a gl
Page 7 and 8: ContributionsAs a member you will b
Page 10 and 11: Retirement benefits (continued)Glos
Page 12 and 13: Things to remember when considering
Page 14 and 15: Benefits payable on deathWhether yo
Page 16 and 17: Benefits payable on death(continued
Page 18 and 19: Leaving UUPSIf you leave UUPS, for
Page 20 and 21: Pension increasesPensions which are
Page 22 and 23: Inland Revenue limitsThe Inland Rev
Page 24 and 25: General information (continued)Glos
Page 28 and 29: Glossary of terms (continued)MISThe
Page 30: Notes

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