RHM Pension Plan 35 and Plan 45 - RHM Pension Scheme - UK.com

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38
Legal safeguards
Your right to information
The Trustees have a legal obligation to provide certain information about The
RHM Pension Scheme to members, other beneficiaries and the recognised trade
unions of members. A summary of how this information can be obtained is
provided in the following table:
TRUST DEED
& RULES
PLAN
DETAILS
BENEFITS
STATEMENTS
TRUSTEES’
ANNUAL
REPORT
VALUATION
REPORT
These are available for inspection or purchase by arrangement with
your local Pensions Liaison Officer or your Personnel or Pay Office.
An Explanatory Booklet is given to all members on joining the
Scheme. It is also available on request to other interested parties.
In addition, the annual Trustees’ Report & Accounts provides other
relevant details.
These are issued automatically when a benefit falls due.
Also Benefits Statements are issued each year to members.
Estimates of members’ benefits from the Scheme, including transfer
value quotations, can be obtained from RHM Pension Services.
A simplified version is issued each year to members and other
beneficiaries. A full Report & Accounts is available on request from
RHM Pension Services.
Extracts of the Actuarial Valuation Report are included as part of the
Trustees’ Report. A full Report is available for inspection.
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Financial Services
Act 1986
The Financial Services Act 1986
requires independent pension
providers to give you “best advice”
when talking to you about personal
pensions or free-standing AVCs.
You should remind salespeople of
this obligation (particularly if you
made the initial enquiry). You
should also ensure that any
salesperson takes the benefits you
could get from The RHM Pension
Scheme into account in assessing
your personal position.
Since your employing company
is not authorised as a financial
adviser under the Act, it is prevented
from providing specific financial
advice. It will, however, make
available whatever information it can
to help you reach your own pension
decisions.