This week, Emily and Rob sit down with guests to explore the impact that a break in service – whether it’s a career break or a job opportunity outside the civil service – can have on your pension. 

Karen returned to the Civil Service in 2014 after a short break. She came back to a new role, and a new pension.

Karen tells us about her decision to come back to the Civil Service, and how the Civil Service Pension was part of that decision. A change in personal circumstances while she was away meant that, more than ever, she needed stability, and she knew that the Civil Service could provide it. With a new role and new terms and conditions, she felt she needed to start paying more attention to her pension.

Louise Kaplan, Employer Relationship Manager, talks us through the more technical aspects of what a break in service could mean for your pension, and how the length of your break can influence this. Some members in this position may find that they ultimately reach retirement with more than one pension from the Civil Service.

Useful links:

Full transcript of this episode
Accessible version of this episode
Leaving the pension scheme before pension age
Redundancy
2015 Remedy (McCloud)
Pension Power webinars
Increasing your pension
Pension Portal
Pension Tracing Service

This week, Emily and Rob sit down with guests to explore the impact that a break in service – whether it’s a career break or a job opportunity outside the civil service – can have on your pension. Karen returned to the Civil Service in 2014 after a short break. She came back to a new role, and a new pension.
Karen tells us about her decision to come back to the Civil Service, and how the Civil Service Pension was part of that decision. A change in personal circumstances while she was away meant that, more than ever, she needed stability, and she knew that the Civil Service could provide it. With a new role and new terms and conditions, she felt she needed to start paying more attention to her pension.
Louise Kaplan, Employer Relationship Manager, talks us through the more technical aspects of what a break in service could mean for your pension, and how the length of your break can influence this. Some members in this position may find that they ultimately reach retirement with more than one pension from the Civil Service.
Useful links: 
<ul>
<li><a href="https://www.civilservicepensionscheme.org.uk/media/n0vmxbbp/podcast-s3e5-returning-to-the-civil-service-transcript.pdf">Full transcript of this episode</a></li>
<li><a href="https://youtu.be/618oBaZpDZ4">Accessible version of this episode</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/retired-left-or-leaving/leaving-the-pension-scheme-before-pension-age/" data-ogsc="" data-outlook-id="9237922b-0086-44fb-b1bd-3e4817d47a9a">Leaving the pension scheme before pension age</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/work-life/redundancy/" data-ogsc="" data-outlook-id="f9f19a3a-0dec-47f9-871f-923e2defb3aa">Redundancy</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/2015-remedy/2015-remedy-mccloud-updates/" data-ogsc="" data-outlook-id="64d5a261-5f2e-4d64-aced-154e49cdb10d">2015 Remedy (McCloud)</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/knowledge-centre/resources/pension-power-webinar/" data-ogsc="" data-outlook-id="d372bf54-507b-466c-92c4-b8db5133cf3b">Pension Power webinars</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/managing-your-pension/increase-your-pension/" data-ogsc="" data-outlook-id="bf4a5f54-7187-4442-9600-1f63cfe35ede">Increasing your pension</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/" data-ogsc="" data-outlook-id="86239f4d-7ded-41aa-a94d-1c7c20b444b4">Pension Portal</a></li>
<li><a href="https://www.gov.uk/find-pension-contact-details" data-ogsc="" data-outlook-id="5ff1590f-8aa4-481c-ae0f-b8573003ac03">Pension Tracing Service</a></li>
</ul>

The Civil Service Pension Scheme is one of the best workplace pension schemes in the UK public sector. But what makes it so good?

We want members of the scheme to feel informed and empowered when it comes to planning for their financial future, but we know that pensions can feel complicated and difficult to understand.

This podcast aims to make things simple - whether you're working or retired, if you've left the Civil Service - or even if you're thinking about joining the Civil Service - there's something for everyone.

Hosts Rob Walker and Emily Eccles from MyCSP (the scheme administrator for Civil Service Pensions) take things back to basics. Their conversations will help you get to grips with your pension and even make some informed decisions about your future. No question is too small and no answer is too complex.

Each episode explores different aspects of the scheme. With expert guests and members talking about their life experiences and perspectives, and how these events have affected their views on retirement and their pension. Each informative episode could help you think about your pension in different ways.

Many people believe that a pension is something to think about later in life, or something to get round to dealing with eventually. That just isn't true. It’s never too early to start saving or planning for your future beyond work.

Your pension is one of your most valuable assets and the decisions you make now can have a huge impact further down the line. It is a crucial personal financial benefit and your ticket to living your best life when you're no longer working. It's key to making your retirement years as fulfilling and rewarding as possible.

From learning the basics, we explore a number of topics surrounding pensions and the scheme itself. Our first series features case studies of members in their 20s and 30s through to retirement, as well as discussions around the Gender Pension Gap, discovering how common life events can affect your ability to save for the future and the steps you can take to boost your pension.

Even if you've never worked for the Civil Service before, this podcast is full of useful information and advice for anyone with a workplace pension. We hope you enjoy it.

To find out more about the scheme, visit www.civilservicepensionscheme.org.uk

The Civil Service Pension Scheme is one of the best workplace pension schemes in the UK public sector. But what makes it so good?
We want members of the scheme to feel informed and empowered when it comes to planning for their financial future, but we know that pensions can feel complicated and difficult to understand.
This podcast aims to make things simple - whether you're working or retired, if you've left the Civil Service - or even if you're thinking about joining the Civil Service - there's something for everyone.
Hosts Rob Walker and Emily Eccles from MyCSP (the scheme administrator for Civil Service Pensions) take things back to basics. Their conversations will help you get to grips with your pension and even make some informed decisions about your future. No question is too small and no answer is too complex.
Each episode explores different aspects of the scheme. With expert guests and members talking about their life experiences and perspectives, and how these events have affected their views on retirement and their pension. Each informative episode could help you think about your pension in different ways.
Many people believe that a pension is something to think about later in life, or something to get round to dealing with eventually. That just isn't true. It’s never too early to start saving or planning for your future beyond work.
Your pension is one of your most valuable assets and the decisions you make now can have a huge impact further down the line. It is a crucial personal financial benefit and your ticket to living your best life when you're no longer working. It's key to making your retirement years as fulfilling and rewarding as possible.
From learning the basics, we explore a number of topics surrounding pensions and the scheme itself. Our first series features case studies of members in their 20s and 30s through to retirement, as well as discussions around the Gender Pension Gap, discovering how common life events can affect your ability to save for the future and the steps you can take to boost your pension.
Even if you've never worked for the Civil Service before, this podcast is full of useful information and advice for anyone with a workplace pension. We hope you enjoy it.
To find out more about the scheme, visit <a href="http://www.civilservicepensionscheme.org.uk">www.civilservicepensionscheme.org.uk</a>

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