State benefits
As a member of the Railways Pension Scheme you are contracted out of State Second Pension, previously known as SERPS. In exchange you pay less National Insurance contributions. However, you may have some benefits in the State Second Pension or SERPS from when you were not a member of the Railways Pension Scheme.
You can get a Retirement Pension Forecast from the DWP by filling in form BR19. Go to your local Benefits Agency office for a form or telephone 0191 2187585 and they will fill it in for you over the phone. Or you can ask for a forecast online. See Quick Links - DWP Website to visit the DWP website.
We have carefully chosen a company called Origen (which is authorised and regulated by the Financial Services Authority) to give Railways Pension Scheme members independent financial advice. See Quick Links - Origen to visit their website.