What pension scheme am I in?
- Current employees can contact their local Payroll for scheme information.
- For most UK Bus Employees, the relevant scheme is the Arriva Workplace Pension Plan (AWPP).
- Some UK Bus employees have benefits in the following schemes:
- Arriva Passenger Services Pension Plan (APSPP)
- Arriva Passenger Services National Pension Scheme (APSNPS)
- Arriva London North & Arriva London South Pension Scheme (ALPS)
- Merseyside Pension Fund (MPF)
Who are the pension providers/administrators
- This depends on the scheme you are in? see previous question.
- AWPP – Standard Life
- APSPP – Isio
- APSNPS – Isio
- ALPS– Isio
- MPF – Merseyside Pension Fund
Contact details can be found on the Scheme details page of this website.
How can I stop Arriva auto enrolling me into a pension scheme
- It is Arriva’s Statutory Duty to assess employees' against the government's auto enrolment criteria at specific points in time.
- If employees meet the auto enrolment criteria they will be automatically enrolled into the AWPP.
- Once auto enrolled employees will receive details from Standard Life which includes how to opt-out.
- Employees cannot opt-out before they are auto enrolled!
What is the minimum Contribution rate for the AWPP
| Statutory Minimum Contributions |
| Employee |
Employer |
Total |
| 5% |
3% |
8% |
- You can increase the amount you put in at any time and the company will automatically match any employee contributions up to 2% above the statutory minimum.
- See below for examples of how the matching of contributions will be applied:
| Company Matching |
| Employee |
Employer |
Total |
| 6% |
4% |
10% |
| 7%
|
5%
|
12%
|
| 8% |
5%
|
13%
|
How can I increase/decrease my contributions to the AWPP
- Members should contact their local Payroll who will provide you with the appropriate form to change the contribution percentages.
How do I leave the pension scheme?
- Members should contact their local Payroll who will provide you with the appropriate form to cease active membership of your pension scheme.
Can I access my AWPP benefit and continue to work?
- Yes …. But - if you are taking all of your benefit from the AWPP you must advise payroll of the date that you wish to cease contributions to the Plan before you access the benefit.
- This will ensure that all of your contributions are invested in your Plan before you access it.
- Note that this will close your Plan with the AWPP.
What is my Normal Retirement Age (NRA) from my Arriva Pension Scheme
- This will depend on the scheme you are a member of.
- AWPP – can be set by the member. Default is age 65.
- APSPP – Age 65
APSNPS – Age 65
- ALPS – Age 65
What is my State Pension Age (SPA)?
- Your State Pension age is the earliest age you can start receiving your State Pension provided by the government.
- Note: State Pension Age is not linked to your Arriva pension schemes normal retirement age.
- You can check your State Pension Age online at https://www.gov.uk/state-pension-age.
