This section is for deferred members of the EAPF.
To be a deferred member, you will have stopped paying contributions to the EAPF before your normal pension age (NPA), the pension benefits you’ve built up will become deferred in the EAPF; this is called a ‘deferred benefit’.
A deferred member will normally have:
- at least two years contributory service in the EAPF, or
- at least three months contributory service between 1 April 2004 and 31 March 2014, or
- transferred in other pension rights
and have left their employment (or opted out of membership) before they’re entitled to the immediate payment of their retirement pensions.
Each year, you’ll receive a deferred member annual pension statement in June giving details of your deferred pension figures with the latest inflation increase applied. You’ll also receive an annual deferred member newsletter giving you the latest EAPF pension news and important updates to the Scheme.
If you didn’t complete two years of contributory service and didn’t transfer in other pension rights, then you aren’t a deferred member unless you left between 1 April 2004 to 31 March 2014. However, you have the right to receive a refund of the contributions you paid (after tax has been deducted), or to transfer the value of your pension pot to another pension arrangement.
Your deferred annual pension statement and pension online
You can access all your annual pension statements, update your personal details and view nominated beneficiaries with EAPF Online. If you’re not already registered, don’t worry it’s simple. All you’ll need is your National Insurance number and a valid email address. Visit our ‘Your pension online’ page for deferred members to get started.
Download our Deferred member guide for more details on being a deferred member.
If you don't find the answer you’re looking for, you can contact Capita using the details on our Contact page.
Scroll down the page to see what your options are as a deferred member.