If you're a member of the 1995/2008 Scheme, have Full or Tapered Protection and return to the Scheme after a break of a 12 months or more, the pension benefits you earned before the break will automatically become deferred. 

You do not need to apply to defer your pension benefits or apply for protection of pay subject to meeting the eligibility criteria.

We will normally write to you 13 months after being notified by your employer that you left the scheme, to confirm that deferment has taken place.

If you've moved to the 2015 Scheme

If you have benefits in the 1995/2008 Scheme and move to the 2015 Scheme, you may retain a 'final salary link' for the calculation of your 1995/2008 Scheme benefits, providing that you do not have a break in membership of five years or more after your membership of the 1995/2008 Scheme ceased.

The final salary link enables the 1995/2008 Scheme benefits to be based upon your final pensionable salary up to your retirement date, provided the link continues to apply. 

If the final salary link is lost before retirement, the 1995/2008 Scheme benefits will be based upon your pensionable salary earned up to the date the link ceased to apply or your pay at the date of transitioned whichever is higher.

If you retain a final salary link and your pay reduces, you can request protection of pay or voluntary protection of pay, subject to meeting the eligibility criteria.

Read more information in the protection of pay and voluntary protection of pay factsheet.