Difference between Section B & C RMPP

[fly-catchers]

Am puzzled why there appears to be such a difference the small RMPP pension at 60 between Sections B&C! My two years works out at roughly £900 a year. But a couple of people who have Section B pensions get about £97 for that part of the pension. True they took the full 25% lump sum while I did not take any lump sum off my NRA60 pension. But would that like the 1/60th as against their 1/80th have made all that difference?

[RobertT]

Could it be that you're getting a little confused with which pension is paid and when?

NRA60 benefits are all final salary up to 2008 plus the first 2 years of CSDB, most of which are paid by the RMSPS.

However the RMPP is also responsible for paying some inflationary increases on pre 2012(RMSPS) benefits.

I'm only guessing but does your £900 relate to those 2 CSDB years between 2008 & 2010, and is the £97 your mates get in relation to the NRA60 inflationary increases that RMPP pay?


Section B accrued pension at 1/80ths of pensionable pay, while section C was bigger at 1/60ths, but had the LED taken off before pensionable pay is worked out.

In practice the amount of pension and lump sum payable will depend on many factors, such as:

Any time spent working part time
Pensionable allowances
Commutation rate when taking lump sum

[fly-catchers]

Could it be that you're getting a little confused with which pension is paid and when?

NRA60 benefits are all final salary up to 2008 plus the first 2 years of CSDB, most of which are paid by the RMSPS.

However the RMPP is also responsible for paying some inflationary increases on pre 2012(RMSPS) benefits.

I'm only guessing but does your £900 relate to those 2 CSDB years between 2008 & 2010, and is the £97 your mates get in relation to the NRA60 inflationary increases that RMPP pay?


Section B accrued pension at 1/80ths of pensionable pay, while section C was bigger at 1/60ths, but had the LED taken off before pensionable pay is worked out.

In practice the amount of pension and lump sum payable will depend on many factors, such as:

Any time spent working part time
Pensionable allowances
Commutation rate when taking lump sum

I did check with my mate and the RMPP amount is £97 a year. And his RMSPS is £8600. No other payments. A number of other Section B pensioners have also commented in the past that the new pension (as they call it) at 60 was hardly worth bothering with. But my bit does give £60 a month after tax so not something I would be bothered not getting! Perhaps Section B divides the two pensions up differently?

[vmaxv4]

Could it be that you're getting a little confused with which pension is paid and when?

NRA60 benefits are all final salary up to 2008 plus the first 2 years of CSDB, most of which are paid by the RMSPS.

However the RMPP is also responsible for paying some inflationary increases on pre 2012(RMSPS) benefits.

I'm only guessing but does your £900 relate to those 2 CSDB years between 2008 & 2010, and is the £97 your mates get in relation to the NRA60 inflationary increases that RMPP pay?


Section B accrued pension at 1/80ths of pensionable pay, while section C was bigger at 1/60ths, but had the LED taken off before pensionable pay is worked out.

In practice the amount of pension and lump sum payable will depend on many factors, such as:

Any time spent working part time
Pensionable allowances
Commutation rate when taking lump sum

I did check with my mate and the RMPP amount is £97 a year. And his RMSPS is £8600. No other payments. A number of other Section B pensioners have also commented in the past that the new pension (as they call it) at 60 was hardly worth bothering with. But my bit does give £60 a month after tax so not something I would be bothered not getting! Perhaps Section B divides the two pensions up differently?

I’m a section B member & my RMPP amount is £109 per year. Also my RMSPS similar to the figures quoted.

[renrag40]

Am puzzled why there appears to be such a difference the small RMPP pension at 60 between Sections B&C! My two years works out at roughly £900 a year. But a couple of people who have Section B pensions get about £97 for that part of the pension. True they took the full 25% lump sum while I did not take any lump sum off my NRA60 pension. But would that like the 1/60th as against their 1/80th have made all that difference?

Hi Flycatcher, are you talking about the age 60 final salary pension addition?
If your final salary increases by more than the rate of inflation between 2012 and when you take your pension then that is the amount RMPP will pay to your Age 60 pension.
In my case as of March 2020 my figure is £0. The reason may be that because I have been on the same shift payments since 2012. It could also be because my actual pay has not beaten RPI since 2012.
If you have moved shift and are receiving a shift payment you were not in 2012 or changed from part time to full since 2012 it may account for the difference. It may be nothing to do with whether you are in Section B or Section C.

[fly-catchers]

Am puzzled why there appears to be such a difference the small RMPP pension at 60 between Sections B&C! My two years works out at roughly £900 a year. But a couple of people who have Section B pensions get about £97 for that part of the pension. True they took the full 25% lump sum while I did not take any lump sum off my NRA60 pension. But would that like the 1/60th as against their 1/80th have made all that difference?

Hi Flycatcher, are you talking about the age 60 final salary pension addition?
If your final salary increases by more than the rate of inflation between 2012 and when you take your pension then that is the amount RMPP will pay to your Age 60 pension.
In my case as of March 2020 my figure is £0. The reason may be that because I have been on the same shift payments since 2012. It could also be because my actual pay has not beaten RPI since 2012.
If you have moved shift and are receiving a shift payment you were not in 2012 or changed from part time to full since 2012 it may account for the difference. It may be nothing to do with whether you are in Section B or Section C.

I am talking about the 2 years of the Career average pension you get at 60. My Section C RMPP 2 years pays me £916 a year. My friends Section B RMPP 2 years of career average pension pays him £97 a year.

[renrag40]

Am puzzled why there appears to be such a difference the small RMPP pension at 60 between Sections B&C! My two years works out at roughly £900 a year. But a couple of people who have Section B pensions get about £97 for that part of the pension. True they took the full 25% lump sum while I did not take any lump sum off my NRA60 pension. But would that like the 1/60th as against their 1/80th have made all that difference?

Hi Flycatcher, are you talking about the age 60 final salary pension addition?
If your final salary increases by more than the rate of inflation between 2012 and when you take your pension then that is the amount RMPP will pay to your Age 60 pension.
In my case as of March 2020 my figure is £0. The reason may be that because I have been on the same shift payments since 2012. It could also be because my actual pay has not beaten RPI since 2012.
If you have moved shift and are receiving a shift payment you were not in 2012 or changed from part time to full since 2012 it may account for the difference. It may be nothing to do with whether you are in Section B or Section C.

I am talking about the 2 years of the Career average pension you get at 60. My Section C RMPP 2 years pays me £916 a year. My friends Section B RMPP 2 years of career average pension pays him £97 a year.

Hi Flycatcher.
The 2 years from 2008-2010 will be on your pension statement from RMSPS not RMPP. This may be where the confusion is coming from because your colleagues may be looking at the wrong pension statement .
I’m in Section B and the only figures on my RMPP statement for NRA 60 are age 60 final salary pension addition and age 60 final salary tax-free cash addition. Which, sadly for me is £0 in both cases. However, in your colleagues case it may well be £97 pension with a tax-free sum of £297.
The only other figures on my RMPP are for NRA 65.
On the RMSPS statement the 2008-2010 pension which is the first 2 years of the career average scheme appear to be incorporated into the age 60 benefits.
The age 65 benefits which are from 2010-2012 has a figure of £664. Given that this is on a 1/80th basis it is not a million miles away from £916 based on a 1/60th basis..... 664*80= 53,120......916*60= 54,960.
Hope this of help or have I just confused both of us?

[heapsy]

I wouldn't worry too much. The pension statements are a complete mess. I cannot fathom mine out and I thought I understood my pension. I've given up with it. They could have been laid out much clearer, but for some reason this seems to be beyond both RM and Capita.

[fly-catchers]

We are both retired and now in receipt of our NRA60 pensions both taken at 60. So these figures are taken from the pension wage slip. My RMPP wage slip works out at just over £76 a month before tax. I'm section C. My retired mate in Section B gets just over £8 gross per month from his RMPP part of the pension. Overall however I have calculated we are both getting what we might have expected. So assume that the breakdown between the final salary and CSDB pensions are worked out differently between the two pension schemes.

[Jefferson Starfish]

I wouldn't worry too much. The pension statements are a complete mess. I cannot fathom mine out and I thought I understood my pension. I've given up with it. They could have been laid out much clearer, but for some reason this seems to be beyond both RM and Capita.

You must have got completely different statements to me then. The latest ones are the best we've had for years.

[Steve_claret]

You must have got completely different statements to me then. The latest ones are the best we've had for years.

I agree. Far better now it is split NRA60 & NRA65. All you have to do now is add both statements together to find out how much you get at each NRA.

For comparison I am section B and get £108 per year from RMPP which is equivalent to £7.22 a month after tax.