If you’re a pensioner or dependant member of the T-Mobile International UK Pension Scheme you can find everything you need to know about your pension in this section. For more information about the benefits payable to your dependants click on the above tabs.
If you’re a representative of a member who’d like you to look after their pension for them, please contact the relevant scheme administrator Contact us.
If you have DC Benefits, please visit the Legal and General (L&G) microsite or contact L&G if you have any queries about your Account and options.
Your pension will be reviewed every year by the Trustee and any pension earned from 6 April 2006 will generally increase in line with inflation up to a maximum of 2.5% every year. However, different rates of increase may apply in respect of any benefits earned before 6 April 2006 and to any pensions purchased from AVCs.
Benefits may be increased over and above these amounts if agreed by the Trustee and the Company, and any necessary contributions are paid by the Company.
Children’s, dependants’ and spouses’ pensions increase at the same level as members’ retirement pensions.
Whenever your pension starts, it’s guaranteed for five years. This means that if you die within five years of your pension starting (as long as you’re still under 75), a lump sum will be paid subject to certain conditions. This lump sum will be equal to the balance of the remaining guaranteed pension instalments (disregarding any increases).
You can nominate someone to receive the lump sum death benefit or more than one person and indicate what percentage you’d like them to receive. You need to fill in an Expression of Wish form to let us know who you’d like to receive the lump sum, or to update your beneficiaries at any time. Visit Pension self-service or contact Barnett Waddingham, the Administrator. There’s no need to complete an Expression of Wish form if you receive a dependants’ pension.
If you die in retirement and are married (or have a civil partner), your spouse will receive a pension (as long as you’re not separated or living apart when you die). If you’re not married or in a civil partnership but in a relationship which closely resembles marriage (and there’s financial dependency or interdependency) your partner will generally be entitled to the above benefits – however, there may be differences, particularly if there’s also a spouse or civil partner with whom you’re not living with when you die.
This pension will normally be calculated as 66.67% of your gross pension (ignoring any reduction if you exchanged part of it for cash or dependant’s pension). However, this may vary depending on the difference between their age and yours.
If you’ve retired due to ill-health, are receiving a pension from the Scheme, and die before you reach Normal Retirement Age, a lump sum payment will be made as if you had died in service, less an amount equal to the lump sum you received when you retired.
Dependent children will receive a pension until they are 18 (or 23 if they’re in full-time education or training approved by the Trustee).
If you die in retirement and you have two or more dependent children, they will receive equal shares of a pension equal in total to 50% of your spouse’s or qualifying partner’s pension – as each child becomes ineligible the amount will be changed. If you only have one dependent child, they will receive 25% of that amount.
If there’s no pension payable to a spouse or qualifying partner, the Trustee can decide to pay the pension (otherwise payable to the spouse or qualifying partner) to another dependant, such as an elderly parent.
Where there’s no spouse or dependant (other than children), the child’s pension will be double all the amounts set out above. Children’s, dependants’ and spouses’ pensions increase at the same level as normal retirement pensions.
L&G are responsible for paying out any DC Benefits to your beneficiaries in the event of your death, so please ensure you complete a nomination form with L&G.
If you have any queries about your DC benefits visit the Legal and General (L&G) microsite or contact L&G.
If you’re a retired member of the Scheme, you should complete an Expression of Wish form to let the Trustee know how you’d like your death in deferment benefits to be distributed.
You can complete an Expression of Wishes via Pension self-service or the Administrator Barnett Waddingham.
When you receive money from a pension you pay tax on any income above your tax-free Personal Allowance. How much you pay depends on the tax rate that applies to you.
HM Revenue and Customs (HMRC) adjusts your tax code. We apply this code to your pension payments. If you think your tax code is wrong, or you have any questions, you’ll need to contact HMRC directly.
Contact HMRC or call 0300 200 3300 (+44 135 53 9022 if phoning from overseas).
Useful links
Certain events can impact your Scheme pension, and your circumstances my change over time. For example, if you:
If your circumstances change, contact Pension Self Service or the Administrator Barnett Waddingham.
To report a death please call or email Barnett Waddingham directly.
Know how to identify, avoid and report a scam.
Let us know if something’s changed. It’s important to keep your details up to date.
You can name and update your nominated beneficiaries by logging into your online account.