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Pensions

UNISON works to defend good pension schemes and improve and promote affordable, decent pensions for all our members, wherever you work.

I deserve a decent pension. Credit: Marcus Rose

Local Government Pension Scheme

The Local Government Pension Scheme is collectively the largest public sector pension scheme in the UK with 4.6 million members and is available to any employee under the age of 75 working for an employer participating under the scheme.

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Hospital porter

NHS Pension Scheme

The NHS Pension Scheme is a voluntary pension scheme available to all NHS employees. Benefits are paid in addition to the basic state pension. From 1 April 2015 a new NHS Pension Scheme will come into operation.

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older woman. Royalty free

Occupational pensions and auto-enrolment

There are a wide range of pensions available so its important you understand your options in order to get the best deal for your retirement. If you feel you are not getting the right advice from your employer, speak to your local UNISON rep.

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Serious meeting. Credit: Chris Taylor

Pensions governance

Pensions governance refers to the way pensions are invested and managed and includes such issues as how funds are invested, the composition of investments, decision making processes, socially responsible investment and ensuring sufficient assets exist to meet pension liabilities as they fall due.

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Deckchairs. Credit: Steve Forrest

Retirement and the state pension

UNISON is committed to improving your retirement options. Some people may want to work past historical fixed retirement ages, perhaps more flexibly, while others will want to stop earlier and need an adequate pension to be able to afford to do so. When you choose to stop work will depend on a number of factors including your job, your employer, your health and your finances.

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Resources