FAQs

The DB Section pays pensions to members for life, based on salary and length of active service.

The Scheme closed to future accrual on 31 December 2018, and you can no longer pay in contributions or build up more pension.

The Scheme is set up under a trust, governed by a document called the Trust Deed and Rules.

Please contact the DB Section administrator, Trafalgar House.

The Scheme is run by a trustee company called Kimberly-Clark Pension Trusts Limited. It has a board of Trustee Directors, who are assisted by a group of professional advisers.

Yes, you can log in via My Work Pension to find the latest information about your benefits.

Please contact the Scheme administrator, Trafalgar House. If your complaint can’t be resolved by the Scheme administrator, there is a formal internal dispute resolution procedure (IDRP) you can use. Trafalgar House will provide you with details, if this applies to you.

Please contact the DB Section administrator, Trafalgar House, who will guide you through what we need to know and send you any paperwork that needs to be completed.

The Scheme’s normal retirement age is 65. Please note that this is different from your State pension age, which could be 66 or over, depending on when you were born.

Yes, you can retire from age 55 with the agreement of the Trustee and Kimberly-Clark. Your pension will be reduced for early payment. Please note that the government is raising the minimum pension age to 57 in April 2028.

Yes, if you don’t want to take your Scheme pension at normal retirement age, your annual pension will be increased to account for inflation until your chosen retirement age when you decide to retire. Your pension will be paid to you from age 75 if you don’t start drawing it before then.

If you have to retire early because of ill health, you may be able to take your Scheme pension early (from any age), subject to medical evidence and with the agreement of the Trustee.

Yes, it will be increased each year in line with the Scheme’s Rules.

Your entitlement to a State pension depends on how many qualifying years of National Insurance (NI) contributions you have. A new system was introduced in 2016, which means to get any State pension at all, you must have a minimum of 10 qualifying years. To get the full State pension, you’ll need 35 qualifying years. If you have between 10 and 35 qualifying years, you’ll get a proportionate amount of State pension (and your starting amount may also be different if you were ever previously in a contracted-out pension scheme). You can use the government website to get a forecast of your State pension.

State pension age is currently age 66, rising to age 67 in 2028. A further increase to age 68 is planned to be introduced between 2044 and 2046. You can use the government website to find out your own State pension age.

A GMP is the minimum pension that the Scheme must provide to members who were contracted out of the State Second Pension before April 1997. The GMP part of your benefits is the same or more than the amount of Additional State Pension you would have received if you hadn’t been contracted out.