In the 1995 Section, members with SC or MHO status can have a maximum of 40 years calendar length membership at age 55. They can have a maximum of 45 calendar length years overall if membership continues after age 55.
Calendar length means the length of time a person has been a member of the Scheme if they work full-time or part-time.
If contributions are being paid, members will still benefit from any increases to their pensionable pay and continue cover for ill-health retirement and death in-service.
For MHO members, doubled years are counted when working out your maximum membership.
Read more details in the SC and MHO factsheets on our website.
Once you’ve moved to the 2015 Scheme your 1995 Section is closed and you’ll no longer build up any benefits in this section. Unless you’ve reached your maximum membership before you moved to the 2015 Scheme, you’ll no longer be subject to the 1995 Section rules.
40 years service before age 55
Contributions must continue to be paid unless you:
- opt-out of the Scheme
- retire and claim your pension benefits.
45 years service before age 60
Contributions must continue to be paid unless you:
- opt-out of the Scheme
- retire and claim your pension benefits.
45 years service after age 60
At age 65, you must stop paying pension contributions.