In our penultimate episode of this season, Rob sits down with guests to explore the role employers play in the Civil Service Pension scheme. 

Andy Jones (Cabinet Office), Louise Ibbetson (DWP) and Lara Muniz Fernandez (MOJ) share their perspectives on the scheme and discuss their experiences of supporting members to get the most out of their Civil Service Pension. 

The group explore the role of an employer and their responsibilities, the breadth of careers available within the Civil Service and some of the most common myths and misconceptions they hear when it comes to pensions.

Louise, Lara and Andy also share tips and advice on how to find out more about your Civil Service Pension and make sure it’s working for you.



Useful links:
Full transcript of this episode
Accessible version of this episode
Contribution rates
Pension Power
Pension Portal
Annual Benefit Statements
alpha or partnership
2015 Remedy updates
Employer Hub

In our penultimate episode of this season, Rob sits down with guests to explore the role employers play in the Civil Service Pension scheme. Andy Jones (Cabinet Office), Louise Ibbetson (DWP) and Lara Muniz Fernandez (MOJ) share their perspectives on the scheme and discuss their experiences of supporting members to get the most out of their Civil Service Pension. The group explore the role of an employer and their responsibilities, the breadth of careers available within the Civil Service and some of the most common myths and misconceptions they hear when it comes to pensions. Louise, Lara and Andy also share tips and advice on how to find out more about your Civil Service Pension and make sure it’s working for you. 
Useful links:
<ul>
<li><a href="https://www.civilservicepensionscheme.org.uk/media/jjzibknd/podcast-s3e6-csps-employer-insights-transcript-final.pdf">Full transcript of this episode</a></li>
<li><a href="https://www.youtube.com/playlist?list=PLDtt6UdzAp7QzUZ3pl337qvFUYG4dMZbQ">Accessible version of this episode</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/managing-your-pension/contribution-rates/" data-ogsc="" data-outlook-id="e9684bdb-445f-471d-b61f-8f38922d17d1">Contribution rates</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/knowledge-centre/resources/pension-power-webinar/" data-ogsc="" data-outlook-id="d7440fe6-17e8-4762-8f7f-bfb18d6babe6">Pension Power</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/" data-ogsc="" data-outlook-id="50747b3c-7c6d-4caf-abc5-7e268068ef11">Pension Portal</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/yearly-pension-update/annual-benefit-statement-abs/" data-ogsc="" data-outlook-id="99b26e39-774c-4830-90a5-959c0046304b">Annual Benefit Statements</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/joining-the-pension-scheme/alpha-or-partnership/" data-ogsc="" data-outlook-id="b5f5668a-007b-44bd-9f4a-8aa0b9af0aa0">alpha or partnership</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/2015-remedy/2015-remedy-mccloud-updates/" data-ogsc="" data-outlook-id="b30f687d-8887-4d6e-908e-1fb93bf63bc1">2015 Remedy updates</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/employers/" data-ogsc="" data-outlook-id="ddd936f4-39f5-4b9d-8bf9-4c4d802f1e33">Employer Hub</a></li>
</ul>

The Civil Service Pension scheme: Employer insights

In this minisode, Emily and Rob are joined by Michelle Storer, Training Consultant, to discuss partial retirement. 

Partial retirement enables active members to take some of their pension and tax-free lump sum while continuing to work. It’s a great way to ease yourself into your post-work years, or work for longer without needing to work full-time – whatever is right for your circumstances.

Michelle talks us through the partial retirement process step by step, with tips and advice on what to consider if you’re exploring this option.

Listen to this episode using the embedded player on this page, or by searching 'Civil Service Pensions Podcast', wherever you get your podcasts.

Useful links:
Full transcript of this episode
Accessible version of this episode
Partial retirement
Abatement
Pension Portal

In this minisode, Emily and Rob are joined by Michelle Storer, Training Consultant, to discuss partial retirement. Partial retirement enables active members to take some of their pension and tax-free lump sum while continuing to work. It’s a great way to ease yourself into your post-work years, or work for longer without needing to work full-time – whatever is right for your circumstances.
Michelle talks us through the partial retirement process step by step, with tips and advice on what to consider if you’re exploring this option.
Listen to this episode using the embedded player on this page, or by searching 'Civil Service Pensions Podcast', wherever you get your podcasts.
Useful links:
<ul>
<li><a href="https://www.civilservicepensionscheme.org.uk/media/rpmk4gry/podcast-s3m5-quick-guide-to-partial-retirement-transcript-final.pdf">Full transcript of this episode</a></li>
<li><a href="https://youtu.be/_i10OjncWr0">Accessible version of this episode</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/planning-for-retirement/what-are-my-options/partial-retirement/" data-ogsc="" data-outlook-id="3cdfae77-f2e6-460f-bae2-11b641ccd2c9">Partial retirement</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/planning-for-retirement/what-are-my-options/partial-retirement/abatement/" data-ogsc="" data-outlook-id="3a59171c-a270-4736-89e0-c669992d14bd">Abatement</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/" data-ogsc="" data-outlook-id="6d4be087-a26b-4223-825f-e0e09a36cb1f">Pension Portal</a></li>
</ul>

 A quick guide to partial retirement

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>

A break in service: what does it mean for your pension?

In this minisode, Helen Shrimpton, Training Consultant, talks about why it’s never too early to be thinking about your pension, even if retirement feels decades away.

We know that some of our younger, millennial members are less likely to be thinking about this part of their financial future, which is unsurprising given that pensions can feel complicated and not relevant at their stage in life.

Helen breaks down the benefits of the Civil Service Pension in plain-English terms, and why pensions are still relevant for millennials, even amongst other financial priorities. 
Read the alpha or partnership? page for more information about the different schemes.  

If you’re interested in transferring an old pension into the Civil Service Pension scheme, you can find more information on the ‘Transferring an old pension into your Civil Service pension’ page. Please consider all the benefits in the scheme you are transferring from and to, before making your decision.

Useful links:
Full transcript of this episode
Accessible version of this episode
alpha or partnership?
Transferring an old pension into your Civil Service pension
Pension Portal
Pension Power webinar sessions
Benefits for your loved ones
Illness and injury

In this minisode, Helen Shrimpton, Training Consultant, talks about why it’s never too early to be thinking about your pension, even if retirement feels decades away.
We know that some of our younger, millennial members are less likely to be thinking about this part of their financial future, which is unsurprising given that pensions can feel complicated and not relevant at their stage in life.
Helen breaks down the benefits of the Civil Service Pension in plain-English terms, and why pensions are still relevant for millennials, even amongst other financial priorities. Read the <a href="https://www.civilservicepensionscheme.org.uk/joining-the-pension-scheme/alpha-or-partnership/" data-ogsc="" data-outlook-id="9b44f4c9-6b30-414c-82e7-bc193310e6e4">alpha or partnership?</a> page for more information about the different schemes.  If you’re interested in transferring an old pension into the Civil Service Pension scheme, you can find more information on the ‘<a href="https://www.civilservicepensionscheme.org.uk/joining-the-pension-scheme/transfer-an-old-pension-into-your-civil-service-pension/" data-ogsc="" data-outlook-id="4e22af88-a36c-4542-b619-514ca6f3ecfe">Transferring an old pension into your Civil Service pension</a>’ page. Please consider all the benefits in the scheme you are transferring from and to, before making your decision. Useful links:
<ul>
<li><a href="https://www.civilservicepensionscheme.org.uk/media/o4igvjw1/podcast-s3m4-pensions-for-millennials-transcript.pdf">Full transcript of this episode</a></li>
<li><a href="https://youtu.be/WJKBqfWmEFU">Accessible version of this episode</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/joining-the-pension-scheme/alpha-or-partnership/" data-ogsc="" data-outlook-id="603dd1ab-8ce9-48f9-896f-bb2bbcfeba42">alpha or partnership?</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/joining-the-pension-scheme/transfer-an-old-pension-into-your-civil-service-pension/" data-ogsc="" data-outlook-id="0b0c2ef9-adb0-47ea-a398-c099ca917762">Transferring an old pension into your Civil Service pension</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/" data-ogsc="" data-outlook-id="158f3d21-df49-4160-be88-12d9b4af17e1">Pension Portal</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/knowledge-centre/resources/pension-power-webinar/" data-ogsc="" data-outlook-id="e225926f-4f33-48df-9c78-e3a44b1930f1">Pension Power webinar sessions</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/personal-life/benefits-for-your-family-and-loved-ones/" data-ogsc="" data-outlook-id="7ae03b1d-5c82-4c93-befa-008f02f10dd9">Benefits for your loved ones</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/work-life/illness-and-injury/" data-ogsc="" data-outlook-id="e4714243-08f6-4151-a48d-25e6247bb833">Illness and injury</a></li>
</ul>

Pensions for millennials

Patrick’s journey has taken him from his commute into work, to continuing a beloved hobby in his post-work years – all on the back of a motorcycle!

Having spent his career as a meteorologist working for the Met Office, he’s been spending his retirement years delivering life-saving services as a blood bike rider.

In this episode, he tells us about his career and his work with charity Freewheelers EVS, the charity providing this hidden emergency service to the NHS by delivering blood, organs, tissue, donated breast milk and even specialist surgical tools.

Patrick reflects on his career and shares his experiences in retirement, with some words of wisdom for those approaching retirement in the next few years.

Listen to this episode using the embedded player on this page, or by searching 'Civil Service Pensions Podcast', wherever you get your podcasts.

Useful links:
Accessible version of this episode
Transcript
Partial Retirement
Pension calculators
Pension Portal
Pre-retirement training

Patrick’s journey has taken him from his commute into work, to continuing a beloved hobby in his post-work years – all on the back of a motorcycle!
Having spent his career as a meteorologist working for the Met Office, he’s been spending his retirement years delivering life-saving services as a blood bike rider.
In this episode, he tells us about his career and his work with charity Freewheelers EVS, the charity providing this hidden emergency service to the NHS by delivering blood, organs, tissue, donated breast milk and even specialist surgical tools.
Patrick reflects on his career and shares his experiences in retirement, with some words of wisdom for those approaching retirement in the next few years.
Listen to this episode using the embedded player on this page, or by searching 'Civil Service Pensions Podcast', wherever you get your podcasts.
Useful links:
<ul>
<li>Accessible version of this episode</li>
<li>Transcript</li>
<li><a href="https://www.civilservicepensionscheme.org.uk/planning-for-retirement/what-are-my-options/partial-retirement/">Partial Retirement</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/knowledge-centre/tools-and-calculators/pension-calculators/">Pension calculators</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/">Pension Portal</a></li>
<li><a href="https://mycsp.co.uk/pension-learning/member-learning/pre-retirement/">Pre-retirement training</a></li>
</ul>

Riding for life: Patrick’s story

Minisode: New webinar for 2015 Remedy (McCloud)

In this minisode, Emily Wilson, Senior Training Consultant, returns to the podcast to tell us about new training available for members about 2015 Remedy (McCloud).

If you’re impacted by 2015 Remedy (McCloud) but unsure about what it means or how it affects you, the new 2015 Remedy Pension Power webinar is a free, one-hour refresher. It covers what the 2015 Remedy is, how to find out if you’re affected (and the tools you can use to do so), as well as a guide to some key terminology surrounding it.

It also covers the choice you’ll be asked to make when you retire - whether you’d like the 2015 Remedy impacted part of your pension to be calculated in the alpha or in your legacy scheme.

Useful links:
Full transcript of this episode
Accessible version of this episode
Register your interest in 2015 Remedy Pension Power
2015 Remedy (McCloud) hub
Find out if you’re affected by 2015 Remedy
Other Pension Power webinars

Minisode: New webinar for 2015 Remedy (McCloud)
In this minisode, Emily Wilson, Senior Training Consultant, returns to the podcast to tell us about new training available for members about 2015 Remedy (McCloud).
If you’re impacted by 2015 Remedy (McCloud) but unsure about what it means or how it affects you, the new 2015 Remedy Pension Power webinar is a free, one-hour refresher. It covers what the 2015 Remedy is, how to find out if you’re affected (and the tools you can use to do so), as well as a guide to some key terminology surrounding it.
It also covers the choice you’ll be asked to make when you retire - whether you’d like the 2015 Remedy impacted part of your pension to be calculated in the alpha or in your legacy scheme.
Useful links:
<ul>
<li><a href="https://www.civilservicepensionscheme.org.uk/media/vxqnwrfi/podcast-s3m3-new-training-for-2015-remedy-transcript-final.pdf">Full transcript of this episode</a></li>
<li><a href="https://youtu.be/6QIOQl9qiXA?si=48Jqgbp3GeQ1_zgQ">Accessible version of this episode</a></li>
<li><a href="https://mycsp.co.uk/pension-learning/member-learning/remedy-pension-power/" data-ogsc="" data-outlook-id="e5d6a2de-4aeb-47f2-a9cb-a609562a72a1">Register your interest in 2015 Remedy Pension Power</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/2015-remedy/" data-ogsc="" data-outlook-id="1487e0fb-0517-4b39-bd96-0aba01953d6f">2015 Remedy (McCloud) hub</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/am-i-affected-remedy/" data-ogsc="" data-outlook-id="8a2234f5-fc74-4694-aa2a-ee0124c1423e">Find out if you’re affected by 2015 Remedy</a></li>
<li data-ogsc="rgb(5, 99, 193)"><a href="https://www.civilservicepensionscheme.org.uk/knowledge-centre/resources/pension-power-webinar/" data-ogsc="" data-outlook-id="b7a1c067-2d99-4360-a60d-4d43e0323707">Other Pension Power webinars</a></li>
</ul>

New training course for 2015 Remedy (McCloud)

Our latest episode of the Civil Service Pensions podcast is available now.

This week, we discuss what to expect from the retirement process if you’re affected by 2015 Remedy (McCloud). Chris, who recently took early retirement, talks about the decision she made when making her choice for the seven-year Remedy period (1 April 2015 – 31 March 2022). She explains the steps she followed and how Remedy affected her reasons to retire.

We also talk to Kevin Hughes, policy lead for the 2015 Remedy Project, about the technical aspects of the process and what members who are impacted by Remedy can expect as they approach retirement.

If you’re impacted by 2015 Remedy and want to know more, this episode is for you.

To keep updated with the latest information on 2015 Remedy, visit our 2015 Remedy (McCloud) hub on the Civil Service Pensions website.

Useful links:
Full transcript of this episode
Accessible version of this episode
2015 Remedy (McCloud) hub
How to claim your pension
Early retirement
Find out if you’re affected by 2015 Remedy
Annual Benefit Statements
Remedy Benefits Illustrator

Our latest episode of the Civil Service Pensions podcast is available now.
This week, we discuss what to expect from the retirement process if you’re affected by 2015 Remedy (McCloud). Chris, who recently took early retirement, talks about the decision she made when making her choice for the seven-year Remedy period (1 April 2015 – 31 March 2022). She explains the steps she followed and how Remedy affected her reasons to retire.
We also talk to Kevin Hughes, policy lead for the 2015 Remedy Project, about the technical aspects of the process and what members who are impacted by Remedy can expect as they approach retirement.
If you’re impacted by 2015 Remedy and want to know more, this episode is for you. To keep updated with the latest information on 2015 Remedy, visit our <a href="https://www.civilservicepensionscheme.org.uk/your-pension/2015-remedy/" data-ogsc="" data-outlook-id="dfdbd6ab-115d-4174-b105-d3a9ed01f7d9">2015 Remedy (McCloud) hub</a> on the Civil Service Pensions website.
Useful links:
<ul>
<li><a href="https://www.civilservicepensionscheme.org.uk/media/4welizt4/podcast-s3e3-retiring-with-2015-remedy-transcript.pdf">Full transcript of this episode</a></li>
<li><a href="https://we.tl/t-mi09lfWqId">Accessible version of this episode</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/2015-remedy/" data-ogsc="" data-outlook-id="43cbaa4b-c705-4840-9e76-127c89d1d728">2015 Remedy (McCloud) hub</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/planning-for-retirement/how-to-claim-your-pension/" data-ogsc="" data-outlook-id="7aaba3ba-e792-42fa-88e0-2c51d660d49c">How to claim your pension</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/planning-for-retirement/what-are-my-options/early-retirement/" data-ogsc="" data-outlook-id="f23fb3bc-d056-451b-9f5a-c5d677fb3315">Early retirement</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/am-i-affected-remedy/" data-ogsc="" data-outlook-id="11a03d64-04d0-43c2-8d83-250ed0a85daa">Find out if you’re affected by 2015 Remedy</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/yearly-pension-update/annual-benefit-statement-abs/" data-ogsc="" data-outlook-id="dfb063b9-86ce-4933-b382-fca18d13828d">Annual Benefit Statements</a></li>
<li><a href="https://remedy-illustrator.civilservicepensionscheme.org.uk/" data-ogsc="" data-outlook-id="8670c7a5-eb00-4c75-9fb3-c4716a88a7a7">Remedy Benefits Illustrator</a></li>
</ul>

Retiring with 2015 Remedy (McCloud)

This week, we chat to Liliana Gonzalez, Training Consultant, who walks us through the retirement process step by step, with tips and advice on what to consider at every stage. 

It’s important to remember that your pension will be your income after you retire, and so you should consider how much you will need to live on. 

If you’re approaching retirement  and you want to know about the process involved, we hope you’ll find this minisode helpful.  

Useful links: 
Full transcript of this episode
Accessible version of this episode 
Pension tools and calculators
Pension Portal and Retirement Modeller
How to claim your pension
Change of Details and Retirement Form – Deferred Members

This week, we chat to Liliana Gonzalez, Training Consultant, who walks us through the retirement process step by step, with tips and advice on what to consider at every stage.    It’s important to remember that your pension will be your income after you retire, and so you should consider how much you will need to live on.    If you’re approaching retirement  and you want to know about the process involved, we hope you’ll find this minisode helpful.     Useful links: 
<ul>
<li><a href="https://www.civilservicepensionscheme.org.uk/media/h13h4n3s/podcast-transcript-s3m2-four-steps-to-retirement.pdf">Full transcript of this episode</a></li>
<li><a href="https://youtu.be/3sLN54iuvB8?si=NI_ihwXZ_t-FTgRQ">Accessible version of this episode </a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/knowledge-centre/tools-and-calculators/pension-calculators/" data-outlook-id="ac76e772-34c6-472b-9997-b590ee50a699">Pension tools and calculators</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/" data-outlook-id="e1db17e5-e26d-4b0c-ab5c-66635daa4390">Pension Portal and Retirement Modeller</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/planning-for-retirement/how-to-claim-your-pension/" data-outlook-id="15ee2735-4c35-4e22-8c42-42dfcce50650">How to claim your pension</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/knowledge-centre/tools-and-calculators/members-forms/change-details-deferred/" data-outlook-id="6c94cdb9-bff6-4d2e-b077-70b0ff7f54de">Change of Details and Retirement Form – Deferred Members</a></li>
</ul>

Four steps to retirement

In our second episode of Season 3, Cilla Christmas, Valuation & Strategic Review Manager and Co-Chair of the Carer’s Network returns to the podcast to talk about what caring responsibilities can mean for your pension and retirement planning.

From drawing on personal experiences of caring responsibilities to exploring the statistics around carers in the Civil Service, Cilla talks us through what it means to be a carer and how to access the support available to you, both in and outside of the civil service pension scheme.

Whether you’re thinking of changing your working pattern or if you’re having conversations about a Lasting Power of Attorney with loved ones, we discuss some of the practical aspects of what carers may need to consider.

Whether you’re a civil servant and caring for someone, if the person you’re caring for is a civil servant, or if you think you may have caring responsibilities in the future, we hope you find this episode informative.

Useful links
Accessible version of this episode
Full transcript
Carers UK
Pension Portal and retirement modeller
Check your State Pension age - GOV.UK (www.gov.uk)
Retirement Living Standards – PLSA
Annual Benefit Statement (ABS) - Civil Service Pension Scheme
Change in Working Patterns - Civil Service Pension Scheme


Listen to this episode using the embedded player on this page, or by searching 'Civil Service Pensions Podcast', wherever you get your podcasts.

In our second episode of Season 3, Cilla Christmas, Valuation &amp; Strategic Review Manager and Co-Chair of the Carer’s Network returns to the podcast to talk about what caring responsibilities can mean for your pension and retirement planning.
From drawing on personal experiences of caring responsibilities to exploring the statistics around carers in the Civil Service, Cilla talks us through what it means to be a carer and how to access the support available to you, both in and outside of the civil service pension scheme.
Whether you’re thinking of changing your working pattern or if you’re having conversations about a Lasting Power of Attorney with loved ones, we discuss some of the practical aspects of what carers may need to consider.
Whether you’re a civil servant and caring for someone, if the person you’re caring for is a civil servant, or if you think you may have caring responsibilities in the future, we hope you find this episode informative.
Useful links
<ul>
<li><a href="Civil%20Service%20Pensions%20Podcast%20-%20Season%203,%20Episode%202%20(youtube.com)">Accessible version of this episode</a></li>
<li><a href="civilservicepensionscheme.org.uk/media/d2fdnxo4/podcast-transcript-s3e2-how-does-being-a-carer-affect-your-pension.pdf">Full transcript</a></li>
<li><a href="https://www.carersuk.org/">Carers UK</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/">Pension Portal and retirement modeller</a></li>
<li><a href="https://www.gov.uk/state-pension-age">Check your State Pension age - GOV.UK (www.gov.uk)</a></li>
<li><a href="https://www.retirementlivingstandards.org.uk/">Retirement Living Standards – PLSA</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/yearly-pension-update/annual-benefit-statement-abs/">Annual Benefit Statement (ABS) - Civil Service Pension Scheme</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/work-life/change-in-working-patterns/">Change in Working Patterns - Civil Service Pension Scheme</a> </li>
</ul>
Listen to this episode using the embedded player on this page, or by searching 'Civil Service Pensions Podcast', wherever you get your podcasts.

How does being a carer affect your pension?

In the first minisode of this season, Kelly Freaney, Senior Training Consultant joins us to talk about what it means to be a dual member. Whether you’ve had a break in service or if you’re impacted by 2015 Remedy (McCloud), Kelly talks us through everything you need to know about your pension, how to keep track of all your benefits, and what to consider when it comes to retirement planning.

Listen to this episode using the embedded player on this page, or by searching 'Civil Service Pensions Podcast', wherever you get your podcasts.

Useful links:
Accessible version of this episode
Transcript
Annual Benefit Statements
Pension Portal
Find out your Normal Pension Age
Find out your Minimum Pension Age
Check your State Pension Age

In the first minisode of this season, Kelly Freaney, Senior Training Consultant joins us to talk about what it means to be a dual member. Whether you’ve had a break in service or if you’re impacted by 2015 Remedy (McCloud), Kelly talks us through everything you need to know about your pension, how to keep track of all your benefits, and what to consider when it comes to retirement planning.
Listen to this episode using the embedded player on this page, or by searching 'Civil Service Pensions Podcast', wherever you get your podcasts.
Useful links:
<ul>
<li><a href="https://youtu.be/c9f6Wwk9m7c">Accessible version of this episode</a></li>
<li><a href="civilservicepensionscheme.org.uk/media/cjlhp5zn/podcast-transcript-s3m1-dual-members.pdf">Transcript</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/your-pension/yearly-pension-update/annual-benefit-statement-abs/">Annual Benefit Statements</a></li>
<li><a href="https://members.civilservicepensionscheme.org.uk/">Pension Portal</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/planning-for-retirement/what-are-my-options/pension-age-retirement/">Find out your Normal Pension Age</a></li>
<li><a href="https://www.civilservicepensionscheme.org.uk/planning-for-retirement/what-are-my-options/early-retirement/">Find out your Minimum Pension Age</a></li>
<li><a href="https://www.gov.uk/state-pension-age">Check your State Pension Age</a></li>
</ul>

Two pensions in one – how does being a dual member work?

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>

Civil Service Pensions Podcast

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