Port of Dover
Defined Contribution Pension Scheme
Welcome
The Port of Dover Defined Contribution Pension Scheme is a Group Personal Pension Plan (GPPP) provided in partnership with Royal London, the UK’s largest mutual life and pensions company.
Port of Dover Defined Contribution (DC) Pension Scheme
The Final Salary Pension Scheme closed to future accrual of benefit on 31 May 2016. All employees were automatically enrolled into the Defined Contribution (DC) Pension Scheme from 1 June 2016. This Scheme is also available to all new employees commencing after 1 June 2016.
Three months after joining the Port of Dover, you will be automatically enrolled into the Defined Contribution (DC) Pension Scheme. You may wish to join the Scheme before the three months’ date. You will receive information about the Scheme directly from Royal London to enable you to start managing your pension online. If you wish, you can make choices about how your pension pot is invested, but you don’t have to. You may opt out of the automatic enrolment process by telephoning Royal London on the number they provide in their information pack. If you wish to stay in the Scheme you do not have to do anything. Your personal details will be passed to Royal London, and your pension will start building from when the first payment has been made.
You will receive a statement each year from Royal London showing how much money has gone into your pension pot, how it is performing and an estimate of your pension at retirement age if you remain a member until then.
Contributions
On joining the Scheme, you have the choice of what level of contribution you wish to make. For further information, please see page 6 of the Scheme booklet.
To confirm your required contribution level, please complete the “Contribution Option Form” you received in your induction pack or click on the “Forms” button below. Completed forms should be returned to the Payroll Team (Payroll@portofdover.com).
As an extra benefit, on joining the Scheme you will also receive a lump sum death-in-service cover. So that the lump sums payable on your death can be paid free of inheritance tax, the Trustees of the Group Life Assurance Scheme make the final decision over who should receive this benefit. However, they will also take your wishes into account and so you should complete an Expression of Wish form to let them know what your wishes are. Please click on the “Forms” button below for a copy of the Expression of Wish Form. You should complete a new form if your circumstances change (for example if you get married or divorced, if your civil partnership is dissolved, or if you have children).
Scheme Booklet
This booklet tells you about how the Scheme works and the benefits available to you. Details on the separate Life Assurance Plan are also provided.
Forms
Please use the forms on this site to confirm your level of contribution or to nominate who you would wish to receive your pension benefits if you were to die before taking your pension.
Click on the links below the view the forms as PDFs, which you can then print, complete and return to the address given on each form. If you have any questions about the Port of Dover DC Pension Scheme, please either contact the Pensions Team or Royal London directly (see contact details below).
Contribution option form
This is required by the Payroll team to confirm your required level of contribution.
Lump sum life cover Expression of Wish form
This tells the Trustees of the Group Life Assurance Scheme who you’d like them to take into account when deciding who should receive your life cover.
Useful links
You may find the following pension-related websites and contact details useful:
www.dwp.gov.uk
The Pension Service is part of the Department for Work and Pensions and gives information on pensions, benefits and retirement.
Money and Pensions Service
The Money and Pensions Service is an independent voluntary organisation set up to give free help and advice on occupational or personal pension issues.
Pensions Ombudsman
If The Money and Pensions Service is unable to help, you can contact the Pensions Ombudsman, who can investigate and determine any complaint or dispute of fact or law. Phone number: 0800 917 4487
Unbiased.co.uk
This is the official site for Independent Financial Advisers (IFAs), where you can find details of IFAs in your area.
Get in touch
If you have any questions about the Port of Dover DC Pension Scheme, please either contact the Pensions Team in Harbour House or contact Royal London directly.
The contact details of the Pensions Team are as follows:-
E: PensionsTeam@portofdover.com
T: Chris Gilbert – 01304 240400 (ext 4616) or Lisa McNeill – 01304 240400 (ext 4617)
A: The Pensions Team, Port of Dover, Harbour House, Dover, Kent CT17 9BU
The contact details for Royal London are as follows:-
T: 0345 602 1885
A: Royal London, Corporate Servicing Team 1, PO Box 413, Royal London House, Wilmslow, SK9 0EN