\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./enquiriesModal.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./enquiriesModal.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./enquiriesModal.vue?vue&type=template&id=5a357730&scoped=true\"\nimport script from \"./enquiriesModal.vue?vue&type=script&lang=js\"\nexport * from \"./enquiriesModal.vue?vue&type=script&lang=js\"\nimport style0 from \"./enquiriesModal.vue?vue&type=style&index=0&id=5a357730&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"5a357730\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('modal',{attrs:{\"headerText\":\"Please log in to view your data\"},model:{value:(_vm.showLoginPrompt),callback:function ($$v) {_vm.showLoginPrompt=$$v},expression:\"showLoginPrompt\"}},[_c('template',{slot:\"modal-body\"},[_c('div',{staticClass:\"modal-content p-4\"},[_c('p',[_vm._v(\"You need to sign in to view this page\")]),_c('div',{staticClass:\"button-outline-rounded small text-center mt-2\",on:{\"click\":_vm.logIn}},[_vm._v(\"\\n Sign in \"),_c('span',{staticClass:\"icon-lock\"})]),_c('p',{staticClass:\"mt-4\"},[_vm._v(\"Haven't registered yet?\")]),_c('div',{staticClass:\"button-outline-rounded small text-center mt-2\",on:{\"click\":_vm.register}},[_vm._v(\"\\n Register \"),_c('span',{staticClass:\"icon-edit\"})])])])],2)\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n \r\n \r\n\r\n
\r\n
You need to sign in to view this page
\r\n
\r\n Sign in \r\n
\r\n
Haven't registered yet?
\r\n
\r\n Register \r\n
\r\n
\r\n \r\n \r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./loginRegisterModal.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./loginRegisterModal.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./loginRegisterModal.vue?vue&type=template&id=5e665290&scoped=true\"\nimport script from \"./loginRegisterModal.vue?vue&type=script&lang=js\"\nexport * from \"./loginRegisterModal.vue?vue&type=script&lang=js\"\nimport style0 from \"./loginRegisterModal.vue?vue&type=style&index=0&id=5e665290&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"5e665290\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('transition',{attrs:{\"name\":\"fade\",\"mode\":\"out-in\"}},[(_vm.showModal)?_c('div',{staticClass:\"dynamic-modal-wrapper\"},[_c('div',{staticClass:\"dynamic-modal-bg\"}),_c('div',{staticClass:\"dynamic-modal-outer\"},[_c('div',{staticClass:\"dynamic-modal-close\",on:{\"click\":_vm.closeDynamicModal}},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'times-circle']}})],1),_c('dynamic-template',{attrs:{\"template\":`
${_vm.dynamicModal.content}
`}}),_c('div',{staticClass:\"d-flex justify-content-between align-items-center px-4 py-2 bg-light\"},[_c('div',{staticClass:\"form-check\"},[_c('input',{directives:[{name:\"model\",rawName:\"v-model\",value:(_vm.modalHideForCheckbox),expression:\"modalHideForCheckbox\"}],staticClass:\"form-check-input\",attrs:{\"type\":\"checkbox\",\"id\":\"modalOnehideFor\"},domProps:{\"checked\":Array.isArray(_vm.modalHideForCheckbox)?_vm._i(_vm.modalHideForCheckbox,null)>-1:(_vm.modalHideForCheckbox)},on:{\"change\":function($event){var $$a=_vm.modalHideForCheckbox,$$el=$event.target,$$c=$$el.checked?(true):(false);if(Array.isArray($$a)){var $$v=null,$$i=_vm._i($$a,$$v);if($$el.checked){$$i<0&&(_vm.modalHideForCheckbox=$$a.concat([$$v]))}else{$$i>-1&&(_vm.modalHideForCheckbox=$$a.slice(0,$$i).concat($$a.slice($$i+1)))}}else{_vm.modalHideForCheckbox=$$c}}}}),_c('label',{staticClass:\"form-check-label unselectable\",attrs:{\"for\":\"modalOnehideFor\"}},[_vm._v(\"\\n Hide this message for one week\\n \")])]),_c('button',{staticClass:\"button-outline-rounded\",attrs:{\"type\":\"button\"},on:{\"click\":_vm.closeDynamicModal}},[_vm._v(\"\\n Close\\n \")])])],1)]):_vm._e()])\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n \r\n
\r\n \r\n
\r\n
\r\n \r\n
\r\n\r\n ${dynamicModal.content}
`\" />\r\n\r\n
\r\n
\r\n \r\n \r\n
\r\n \r\n
\r\n
\r\n \r\n \r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./dynamicConfigModal.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./dynamicConfigModal.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./dynamicConfigModal.vue?vue&type=template&id=59bdc4b3&scoped=true\"\nimport script from \"./dynamicConfigModal.vue?vue&type=script&lang=js\"\nexport * from \"./dynamicConfigModal.vue?vue&type=script&lang=js\"\nimport style0 from \"./dynamicConfigModal.vue?vue&type=style&index=0&id=59bdc4b3&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"59bdc4b3\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return (_vm.showMfaPopup)?_c('div',{staticClass:\"dynamic-modal-wrapper\"},[_c('div',{staticClass:\"dynamic-modal-bg\"}),_c('div',{staticClass:\"dynamic-modal-outer\"},[_c('div',{staticClass:\"dynamic-modal-close\",on:{\"click\":_vm.closeModal}},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'times-circle']}})],1),_vm._m(0),_c('div',{staticClass:\"d-flex justify-content-between align-items-center px-4 py-2 bg-light\"},[_c('div',{staticClass:\"form-check\"},[_c('input',{directives:[{name:\"model\",rawName:\"v-model\",value:(_vm.mfaModalHideForCheckbox),expression:\"mfaModalHideForCheckbox\"}],staticClass:\"form-check-input\",attrs:{\"type\":\"checkbox\"},domProps:{\"checked\":Array.isArray(_vm.mfaModalHideForCheckbox)?_vm._i(_vm.mfaModalHideForCheckbox,null)>-1:(_vm.mfaModalHideForCheckbox)},on:{\"change\":function($event){var $$a=_vm.mfaModalHideForCheckbox,$$el=$event.target,$$c=$$el.checked?(true):(false);if(Array.isArray($$a)){var $$v=null,$$i=_vm._i($$a,$$v);if($$el.checked){$$i<0&&(_vm.mfaModalHideForCheckbox=$$a.concat([$$v]))}else{$$i>-1&&(_vm.mfaModalHideForCheckbox=$$a.slice(0,$$i).concat($$a.slice($$i+1)))}}else{_vm.mfaModalHideForCheckbox=$$c}}}}),_c('label',{staticClass:\"form-check-label unselectable\"},[_vm._v(\"\\n Hide this message for one week\\n \")])]),_c('button',{staticClass:\"button-outline-rounded\",attrs:{\"type\":\"button\"},on:{\"click\":_vm.closeModal}},[_vm._v(\"\\n Close\\n \")])])])]):_vm._e()\n}\nvar staticRenderFns = [function (){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"content\"},[_c('h3',{staticClass:\"heading\"},[_vm._v(\"Keeping your information secure\")]),_c('p',[_vm._v(\"We are adding an extra security step when you access your benefit information online through the My\\n Pension area of the website.\")]),_c('p',[_vm._v(\"Multi-factor authentication (MFA) is one of the most effective ways to protect an online account from\\n scammers and fraudsters. Therefore, we are implementing MFA every time you log in to the My Pension\\n area of the website. The Registration Guide has been updated to help step you through the new\\n process. You can find this guide on the homepage of the website.\")]),_c('h3',{staticClass:\"heading\"},[_vm._v(\"How will multi-factor authentication work?\")]),_c('p',[_vm._v(\"You will still have to provide your email address and password, as before. On successful verification\\n of these, you will now also be required to provide a mobile phone number. A code will then be sent\\n to your phone, which you will need to enter when logging in.\")]),_c('p',[_vm._v(\"If you do not own a mobile phone, you will have the ability to verify your identity via an automated\\n phone call to a landline.\")]),_c('p',[_vm._v(\"We hope you agree that this is a valuable – and necessary – development to help keep your information\\n secure.\")])])\n}]\n\nexport { render, staticRenderFns }","\r\n
\r\n \r\n
\r\n
\r\n \r\n
\r\n
\r\n
Keeping your information secure
\r\n
We are adding an extra security step when you access your benefit information online through the My\r\n Pension area of the website.
\r\n
Multi-factor authentication (MFA) is one of the most effective ways to protect an online account from\r\n scammers and fraudsters. Therefore, we are implementing MFA every time you log in to the My Pension\r\n area of the website. The Registration Guide has been updated to help step you through the new\r\n process. You can find this guide on the homepage of the website.
\r\n
How will multi-factor authentication work?
\r\n
You will still have to provide your email address and password, as before. On successful verification\r\n of these, you will now also be required to provide a mobile phone number. A code will then be sent\r\n to your phone, which you will need to enter when logging in.
\r\n
If you do not own a mobile phone, you will have the ability to verify your identity via an automated\r\n phone call to a landline.
\r\n
We hope you agree that this is a valuable – and necessary – development to help keep your information\r\n secure.
\r\n
\r\n\r\n
\r\n
\r\n \r\n \r\n
\r\n \r\n
\r\n
\r\n
\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./mfaWordingModal.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./mfaWordingModal.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./mfaWordingModal.vue?vue&type=template&id=4bcb3769&scoped=true\"\nimport script from \"./mfaWordingModal.vue?vue&type=script&lang=js\"\nexport * from \"./mfaWordingModal.vue?vue&type=script&lang=js\"\nimport style0 from \"./mfaWordingModal.vue?vue&type=style&index=0&id=4bcb3769&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"4bcb3769\",\n null\n \n)\n\nexport default component.exports","\r\n
\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../node_modules/cache-loader/dist/cjs.js??ref--12-0!../node_modules/thread-loader/dist/cjs.js!../node_modules/babel-loader/lib/index.js!../node_modules/cache-loader/dist/cjs.js??ref--0-0!../node_modules/vue-loader/lib/index.js??vue-loader-options!./App.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../node_modules/cache-loader/dist/cjs.js??ref--12-0!../node_modules/thread-loader/dist/cjs.js!../node_modules/babel-loader/lib/index.js!../node_modules/cache-loader/dist/cjs.js??ref--0-0!../node_modules/vue-loader/lib/index.js??vue-loader-options!./App.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./App.vue?vue&type=template&id=5c56d0e9\"\nimport script from \"./App.vue?vue&type=script&lang=js\"\nexport * from \"./App.vue?vue&type=script&lang=js\"\nimport style0 from \"./App.vue?vue&type=style&index=0&id=5c56d0e9&prod&lang=scss\"\n\n\n/* normalize component */\nimport normalizer from \"!../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n null,\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('div',[(_vm.clientSpecificModal)?_c(_vm.clientSpecificModal.component,{tag:\"component\"}):_vm._e(),(_vm.newHomepageConfig)?_c('HomeNew'):_c('HomeOriginal')],1)\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('div',[_c('section',{staticClass:\"home\",class:_vm.fullHeight,style:({ backgroundImage: `url(${_vm.$store.state.clientConfig.directoryUrl}/img/background.png)`, backgroundRepeat: 'no-repeat', backgroundSize: 'cover', backgroundPosition: 'bottom', backgroundColor: _vm.homepageOverrides.backgroundColour }),attrs:{\"id\":\"mainContent\"}},[_c('div',{staticClass:\"container\"},[_c('div',{staticClass:\"row\"},[_c('div',{staticClass:\"col-md-6 col-sm-12 intro\",style:({ color: _vm.homepageOverrides.fontColour })},[_c('h1',{staticClass:\"mb-4\",style:({ color: _vm.homepageOverrides.h1Colour })},[(!_vm.homepageOverrides.hideWelcomeToText)?[_vm._v(\"Welcome to \")]:_vm._e(),_vm._v(_vm._s(_vm.formatTheSchemeName)+\"\\n \")],2),(_vm.clientConfig.homepageText === undefined)?_c('p',[_vm._v(\"\\n This website provides you with information about your benefits in the defined benefit section of the\\n \"+_vm._s(_vm.clientConfig.fundOrScheme)+\". It also allows you to\\n update your details and find other helpful resources. We can't cover everything about your benefits here and sometimes the\\n \"+_vm._s(_vm.clientConfig.fundOrScheme)+\" Rules may change. If there are any differences between the Rules and this website then the Rules\\n will apply.\\n \")]):_c('dynamic-template',{attrs:{\"template\":_vm.clientConfig.homepageText}}),_c('dynamic-template',{attrs:{\"template\":_vm.homepageCaveat}}),(!_vm.isLoggedIn)?_c('button',{staticClass:\"button-outline-rounded pension mr-3\",attrs:{\"type\":\"button\"},on:{\"click\":_vm.login}},[_vm._v(\"Log in\")]):_vm._e(),_c('button',{staticClass:\"button-outline-rounded contact\",attrs:{\"type\":\"button\",\"aria-label\":\"Contact\"},on:{\"click\":function($event){return _vm.$router.push('/contact')}}},[_c('mail-icon',{staticClass:\"mail-icon\",attrs:{\"height\":\"25\",\"width\":\"25\"}})],1)],1),(_vm.clientConfig.homepageWidgets && _vm.clientConfig.homepageWidgets.length > 0)?_c('div',{staticClass:\"col-md-5 offset-md-1 col-sm-12 carousel\"},[_c('homepageCarousel',{attrs:{\"widgets\":_vm.clientConfig.homepageWidgets}})],1):_vm._e()])])])])\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"carouselOuter\",class:{'transparent-bg' : _vm.widgets[0].blankBg}},[_c('transition-group',{attrs:{\"name\":\"fade\",\"mode\":\"out-in\"}},_vm._l((_vm.widgets),function(widget,index){return _c('carouselItem',{directives:[{name:\"show\",rawName:\"v-show\",value:(index === _vm.currentWidgetIndex),expression:\"index === currentWidgetIndex\"}],key:`${widget.type}-${index}`,attrs:{\"widget\":widget}})}),1),(_vm.numberOfWidgets>1)?_c('div',{staticClass:\"stepsWrapper\"},_vm._l((_vm.numberOfWidgets),function(step,index){return _c('div',{key:index,staticClass:\"step\",class:{'active' : index === _vm.currentWidgetIndex},on:{\"click\":function($event){return _vm.setStepIndex(index)}}})}),0):_vm._e()],1)\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"carouselItem\"},[_c(_vm.widget.type,{tag:\"component\",attrs:{\"widget\":_vm.widget}})],1)\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"custom\"},[(_vm.widget.image && _vm.widget.image !== '')?_c('div',{directives:[{name:\"show\",rawName:\"v-show\",value:(!_vm.showVideo),expression:\"!showVideo\"}],staticClass:\"image\"},[_c('img',{attrs:{\"src\":`${_vm.directoryUrl}/img/${_vm.widget.image}`},on:{\"click\":_vm.imageAction}})]):_vm._e(),(_vm.showVideo)?_c('div',{staticClass:\"responsiveContent\"},[_c('div',{domProps:{\"innerHTML\":_vm._s(_vm.vimeoData.html)}})]):_vm._e()])\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n
\r\n
\r\n \r\n
\r\n
\r\n
\r\n
\r\n
\r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./custom.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./custom.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./custom.vue?vue&type=template&id=618a4733&scoped=true\"\nimport script from \"./custom.vue?vue&type=script&lang=js\"\nexport * from \"./custom.vue?vue&type=script&lang=js\"\nimport style0 from \"./custom.vue?vue&type=style&index=0&id=618a4733&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"618a4733\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"custom-image\"},[_c('a',{attrs:{\"href\":_vm.widget.targetUrl,\"target\":\"_blank\"}},[_c('img',{attrs:{\"src\":_vm.widget.imageUrl}})])])\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n
\r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./NMRHomepage.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./NMRHomepage.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./NMRHomepage.vue?vue&type=template&id=61bbd15e&scoped=true\"\nimport script from \"./NMRHomepage.vue?vue&type=script&lang=js\"\nexport * from \"./NMRHomepage.vue?vue&type=script&lang=js\"\nimport style0 from \"./NMRHomepage.vue?vue&type=style&index=0&id=61bbd15e&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"61bbd15e\",\n null\n \n)\n\nexport default component.exports","\r\n
\r\n \r\n
\r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./carouselItem.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./carouselItem.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./carouselItem.vue?vue&type=template&id=41b8dcbe&scoped=true\"\nimport script from \"./carouselItem.vue?vue&type=script&lang=js\"\nexport * from \"./carouselItem.vue?vue&type=script&lang=js\"\n\n\n/* normalize component */\nimport normalizer from \"!../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"41b8dcbe\",\n null\n \n)\n\nexport default component.exports","\r\n
\r\n \r\n \r\n \r\n
1\">\r\n \r\n
\r\n
\r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./homeCarousel.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./homeCarousel.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./homeCarousel.vue?vue&type=template&id=0b1ef3c6&scoped=true\"\nimport script from \"./homeCarousel.vue?vue&type=script&lang=js\"\nexport * from \"./homeCarousel.vue?vue&type=script&lang=js\"\nimport style0 from \"./homeCarousel.vue?vue&type=style&index=0&id=0b1ef3c6&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"0b1ef3c6\",\n null\n \n)\n\nexport default component.exports","\r\n
\r\n\r\n \r\n\r\n
\r\n
\r\n
\r\n
\r\n Welcome to {{ formatTheSchemeName }}\r\n
\r\n\r\n
\r\n This website provides you with information about your benefits in the defined benefit section of the\r\n {{ clientConfig.fundOrScheme }}. It also allows you to\r\n update your details and find other helpful resources. We can't cover everything about your benefits here and sometimes the\r\n {{ clientConfig.fundOrScheme }} Rules may change. If there are any differences between the Rules and this website then the Rules\r\n will apply.\r\n
\r\n \r\n \r\n\r\n \r\n \r\n
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0\">\r\n \r\n
\r\n
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\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./HomeOriginal.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./HomeOriginal.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./HomeOriginal.vue?vue&type=template&id=1d2c8bdd&scoped=true\"\nimport script from \"./HomeOriginal.vue?vue&type=script&lang=js\"\nexport * from \"./HomeOriginal.vue?vue&type=script&lang=js\"\nimport style0 from \"./HomeOriginal.vue?vue&type=style&index=0&id=1d2c8bdd&prod&scoped=true&lang=scss\"\n\n\n/* normalize component */\nimport normalizer from \"!../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"1d2c8bdd\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('main',{staticClass:\"home\",class:_vm.fullHeight,attrs:{\"id\":\"mainContent\"}},[_c('section',{staticClass:\"home-new-section section-slant-right-bottom header-hero bg-color-secondary\"},[_c('div',{staticClass:\"circle-image\",style:({ backgroundImage: `url(${_vm.backgroundImage})` })}),_c('div',{staticClass:\"container\"},[_c('div',{staticClass:\"flex\"},[_c('div',{staticClass:\"intro-left\",style:({ color: _vm.homepageOverrides.fontColour })},[_c('h1',{class:['primary-highlight', { small: _vm.homepageOverrides.h1IsSmall }],style:({ color: _vm.homepageOverrides.h1Colour })},[_vm._v(\"Welcome to the\\n member website for \"+_vm._s(_vm.formatTheSchemeName))]),_c('div',[(_vm.overrideHomepageTextHTML)?_c('div',{domProps:{\"innerHTML\":_vm._s(_vm.overrideHomepageTextHTML)}}):_c('p',[_vm._v(\"This website provides you with information about your benefits in the \"+_vm._s(_vm.clientConfig.fundOrScheme)+\". It allows you to\\n update your details, view your correspondence and find other helpful resources.\")]),(_vm.overrideHomepageCaveatTextHTML)?_c('div',{domProps:{\"innerHTML\":_vm._s(_vm.overrideHomepageCaveatTextHTML)}}):_c('p',[_vm._v(\"You will need to register to view your \"),(_vm.isWebsiteLevel2)?[_vm._v(\"information\")]:[_vm._v(\"benefits\")],_vm._v(\". There is a helpful video and step-by-step registration guide below to assist you with this.\")],2)]),(!_vm.isRegistrationAndLoginDisabled)?_c('div',{staticClass:\"actions-wrapper\"},[(!_vm.isLoggedIn)?_c('button',{staticClass:\"button-solid-rounded col-sm-12 col-lg-5\",on:{\"click\":_vm.login}},[_vm._v(\"\\n Log in / register \"),_c('span',{staticClass:\"button-icon\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'lock']}})],1)]):_vm._e(),(!_vm.isLoggedIn)?_c('a',{staticClass:\"button-solid-rounded col-sm-12 col-lg-5 offset-lg-1 text-center\",attrs:{\"download\":\"\",\"target\":\"_blank\",\"href\":`${_vm.$store.state.clientConfig.directoryUrl}/documents/step-by-step-registration-guide.pdf`}},[_vm._v(\"\\n Registration guide \"),_c('span',{staticClass:\"button-icon\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'file-pdf']}})],1)]):_vm._e()]):_vm._e()])]),_c('div',{staticClass:\"mt-5 hero-cards-container\"},[_c('div',{staticClass:\"video-holder\"},[(_vm.clientConfig.homepageWidgets && _vm.clientConfig.homepageWidgets.length > 0)?_c('div',{staticClass:\"home-card-shadow video-holder-inner\"},[_c('HomepageHeroVideo',{attrs:{\"widget\":_vm.clientConfig.homepageWidgets}})],1):_vm._e()]),(!_vm.isRegistrationAndLoginDisabled)?_c('div',{staticClass:\"homepage-card\"},[_c('div',{staticClass:\"homepage-card--inner home-card-shadow\"},[_vm._m(0),_c('div',{staticClass:\"text-content\"},[_c('h2',[_vm._v(\"My Pension\")]),(_vm.isWebsiteLevel2)?_c('p',[_vm._v(\"View and securely update your information together with access to your personal correspondence.\")]):_c('p',[_vm._v(\"View your benefits, access your personal correspondence and securely update your information.\")])]),_c('div',{staticClass:\"homepage-card-bottom\"},[_c('button',{staticClass:\"button-solid-rounded\",on:{\"click\":function($event){return _vm.$router.push('/my-pension/my-data')}}},[_vm._v(\"\\n My Pension \"),_c('span',{staticClass:\"button-icon\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'lock']}})],1)])])])]):_vm._e(),_c('div',{staticClass:\"homepage-card\"},[_c('div',{staticClass:\"homepage-card--inner home-card-shadow\"},[_vm._m(1),_c('div',{staticClass:\"text-content\"},[_c('h2',[_vm._v(\"About your \"+_vm._s(_vm.clientConfig.fundOrScheme))]),_c('p',[_vm._v(\"Find information about the \"+_vm._s(_vm.clientConfig.fundOrScheme)+\" and the latest communications from the\\n \"+_vm._s(_vm.clientConfig.trusteeWording)+\".\")])]),_c('div',{staticClass:\"homepage-card-bottom\"},[_c('button',{staticClass:\"button-solid-rounded\",on:{\"click\":function($event){return _vm.$router.push('/information')}}},[_vm._v(\"\\n Find out more \"),_c('span',{staticClass:\"button-icon\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'arrow-right']}})],1)])])])])])])]),_c('MyPension'),(!_vm.isRegistrationAndLoginDisabled)?_c('section',{staticClass:\"home-new-section help-topics bg-color-secondary section-slant-left-top section-slant-right-bottom\"},[_c('HelpTopics',{attrs:{\"hiddenCategories\":[_vm.isWebsiteLevel2 ? 'Video guides' : 'General']}})],1):_vm._e(),_c('KeyInformation'),_c('FooterBar')],1)\n}\nvar staticRenderFns = [function (){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"card-icon\"},[_c('img',{attrs:{\"src\":\"/icons/piggy-bank.svg\",\"alt\":\"My Pension - piggy bank icon\"}})])\n},function (){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"card-icon\"},[_c('img',{attrs:{\"src\":\"/icons/coins-jar.svg\",\"alt\":\"About your fund - coins in a jar icon\"}})])\n}]\n\nexport { render, staticRenderFns }","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"custom\"},[(_vm.widget[0].image && _vm.widget[0].image !== '')?_c('div',{directives:[{name:\"show\",rawName:\"v-show\",value:(!_vm.showVideo),expression:\"!showVideo\"}],staticClass:\"image\"},[_c('img',{attrs:{\"src\":`${_vm.directoryUrl}/img/${_vm.widget[0].image}`},on:{\"click\":_vm.imageAction}})]):_vm._e(),(_vm.showVideo)?_c('div',{staticClass:\"responsiveContent\"},[_c('div',{domProps:{\"innerHTML\":_vm._s(_vm.vimeoData.html)}})]):_vm._e()])\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n
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\r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./HomepageHeroVideo.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./HomepageHeroVideo.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./HomepageHeroVideo.vue?vue&type=template&id=ff678b28&scoped=true\"\nimport script from \"./HomepageHeroVideo.vue?vue&type=script&lang=js\"\nexport * from \"./HomepageHeroVideo.vue?vue&type=script&lang=js\"\nimport style0 from \"./HomepageHeroVideo.vue?vue&type=style&index=0&id=ff678b28&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"ff678b28\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('section',{staticClass:\"home-new-section my-pension\"},[_c('div',{staticClass:\"container\"},[_c('div',{staticClass:\"layout\"},[_c('div',{staticClass:\"section-inner\"},[_vm._m(0),_c('div',{staticClass:\"flex content-wrapper\"},[_c('div',{staticClass:\"content-left\"},[_c('div',{staticClass:\"content-left--inner\"},[_c('div',{staticClass:\"list\"},[_c('div',{staticClass:\"list-item flex\"},[_c('div',{staticClass:\"bullet\"},[_c('div',{staticClass:\"circle\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'check']}})],1)]),_c('span',{staticClass:\"list-item--text\",class:{ 'active-slide': _vm.activeIndex === 0 }},[_vm._v(\"Access your personal correspondence\")])]),_c('div',{staticClass:\"list-item flex\"},[_c('div',{staticClass:\"bullet\"},[_c('div',{staticClass:\"circle\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'check']}})],1)]),_c('span',{staticClass:\"list-item--text\",class:{ 'active-slide': _vm.activeIndex === 1 }},[_vm._v(\"Update your information\")])]),_c('div',{staticClass:\"list-item flex\"},[_c('div',{staticClass:\"bullet\"},[_c('div',{staticClass:\"circle\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'check']}})],1)]),_c('span',{staticClass:\"list-item--text\",class:{ 'active-slide': _vm.activeIndex === 2 }},[_vm._v(\"Complete forms online\")])]),(_vm.showModellerBenefits)?_c('div',{staticClass:\"list-item flex\"},[_c('div',{staticClass:\"bullet\"},[_c('div',{staticClass:\"circle\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'check']}})],1)]),_c('span',{staticClass:\"list-item--text\",class:{ 'active-slide': _vm.activeIndex === 3 }},[_vm._v(\"View your benefits in the \"+_vm._s(_vm.clientConfig.fundOrScheme)+\", which may include your options at retirement and a current transfer value illustration \"),(_vm.modellerComingSoon)?_c('span',[_vm._v(\"(coming soon)\")]):_vm._e()])]):_vm._e(),(_vm.showPensionPaySlip)?_c('div',{staticClass:\"list-item flex\"},[_c('div',{staticClass:\"bullet\"},[_c('div',{staticClass:\"circle\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'check']}})],1)]),_c('span',{staticClass:\"list-item--text\",class:{ 'active-slide': _vm.activeIndex === 4 }},[_vm._v(\"Find your pension payslips \"),(_vm.modellerComingSoon)?_c('span',[_vm._v(\"(coming soon)\")]):_vm._e()])]):_vm._e()]),(!_vm.isRegistrationAndLoginDisabled)?_c('button',{staticClass:\"button-solid-rounded pension\",on:{\"click\":function($event){return _vm.$router.push('/my-pension/my-data')}}},[_vm._v(\"\\n My Pension \"),_c('span',{staticClass:\"button-icon\"},[_c('font-awesome-icon',{attrs:{\"icon\":['fal', 'lock']}})],1)]):_vm._e()])]),_c('div',{staticClass:\"content-right\"},[_c('div',{staticClass:\"content-right--inner home-card-shadow\"},[_c('MyPensionSwiper',{on:{\"setSliderIndex\":_vm.setSliderIndex}})],1)])])])])])])\n}\nvar staticRenderFns = [function (){var _vm=this,_c=_vm._self._c;return _c('div',{staticClass:\"text-center\"},[_c('h1',{staticClass:\"heading-with-underline\"},[_vm._v(\"All at your fingertips\")])])\n}]\n\nexport { render, staticRenderFns }","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('swiper',{ref:\"mySwiper\",staticClass:\"swiper\",attrs:{\"options\":_vm.swiperOption},on:{\"slide-change\":_vm.activeIndexChange},scopedSlots:_vm._u([(_vm.activeSliderIndex > 0)?{key:\"button-prev\",fn:function(){return [_c('div',{staticClass:\"swiper-button-prev\",on:{\"click\":_vm.prevSlide}})]},proxy:true}:null,(_vm.activeSliderIndex !== _vm.sliderImages.length - 1)?{key:\"button-next\",fn:function(){return [_c('div',{staticClass:\"swiper-button-next\",on:{\"click\":_vm.nextSlide}})]},proxy:true}:null],null,true)},_vm._l((_vm.sliderImages),function(slideImage,index){return _c('swiper-slide',{key:index},[_c('img',{staticClass:\"img-fluid\",attrs:{\"src\":slideImage}})])}),1)\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n \r\n \r\n \r\n \r\n 0\">\r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./MyPensionSwiper.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./MyPensionSwiper.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./MyPensionSwiper.vue?vue&type=template&id=bd6a276c&scoped=true\"\nimport script from \"./MyPensionSwiper.vue?vue&type=script&lang=js\"\nexport * from \"./MyPensionSwiper.vue?vue&type=script&lang=js\"\nimport style0 from \"./MyPensionSwiper.vue?vue&type=style&index=0&id=bd6a276c&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"bd6a276c\",\n null\n \n)\n\nexport default component.exports","\r\n \r\n
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\r\n
All at your fingertips
\r\n
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\r\n
\r\n
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\r\n
\r\n
\r\n
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\r\n Access your personal correspondence\r\n
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\r\n
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\r\n Update your information\r\n
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\r\n
\r\n
\r\n
\r\n Complete forms online\r\n
\r\n
\r\n
\r\n
\r\n
\r\n View your benefits in the {{clientConfig.fundOrScheme}}, which may include your options at retirement and a current transfer value illustration (coming soon)\r\n
\r\n
\r\n
\r\n
\r\n
\r\n Find your pension payslips (coming soon)\r\n
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\r\n \r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./MyPension.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./MyPension.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./MyPension.vue?vue&type=template&id=bd8c2f18&scoped=true\"\nimport script from \"./MyPension.vue?vue&type=script&lang=js\"\nexport * from \"./MyPension.vue?vue&type=script&lang=js\"\nimport style0 from \"./MyPension.vue?vue&type=style&index=0&id=bd8c2f18&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"bd8c2f18\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('section',{staticClass:\"home-new-section key-fund\"},[_c('div',{staticClass:\"container\"},[_c('div',{staticClass:\"layout\"},[_c('div',{staticClass:\"section-inner\"},[_c('new-scheme-information',{attrs:{\"asComponent\":true}})],1)])])])\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n \r\n
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\r\n \r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./KeyInformation.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./KeyInformation.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./KeyInformation.vue?vue&type=template&id=2c32eb70&scoped=true\"\nimport script from \"./KeyInformation.vue?vue&type=script&lang=js\"\nexport * from \"./KeyInformation.vue?vue&type=script&lang=js\"\nimport style0 from \"./KeyInformation.vue?vue&type=style&index=0&id=2c32eb70&prod&lang=scss&scoped=true\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"2c32eb70\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('footer',{staticClass:\"footer\",class:!_vm.$store.state.clientConfig.logo.usePrimaryBg ? 'nonTransparent' : 'transparent'},[_c('div',{staticClass:\"container\"},[_c('div',{staticClass:\"footer-inner\"},[_c('div',{staticClass:\"left-content\"},[_c('div',{staticClass:\"email-phone-contact\"},[_c('div',{staticClass:\"email\"},[_c('p',{staticClass:\"footer-heading\"},[_vm._v(\"Email us\")]),_c('a',{staticClass:\"text-break\",attrs:{\"href\":`mailto:${_vm.clientConfig.email}`}},[_vm._v(_vm._s(_vm.clientConfig.email))])])])]),_c('div',{staticClass:\"call-us\"},[_c('p',{staticClass:\"footer-heading\"},[_vm._v(\"Call us\")]),_c('div',[_c('a',{staticClass:\"text-nowrap\",attrs:{\"href\":`tel:${_vm.clientConfig.telephoneBasic}`}},[_vm._v(_vm._s(_vm.clientConfig.telephoneInt))]),_c('p',[_vm._v(\"(\"+_vm._s(_vm.clientConfig.contact && _vm.clientConfig.contact.contactTimeRange ? _vm.clientConfig.contact.contactTimeRange : _vm.CONTACT_US_TIME_RANGE)+\"\\n \")]),_c('p',[_vm._v(\"Monday to Friday)\")])])]),_c('div',{staticClass:\"middle-content\"},[_c('img',{attrs:{\"src\":`${_vm.clientConfig.directoryUrl}/img/logo.png`,\"alt\":_vm.$store.state.clientConfig.schemeName}})]),_c('div',{staticClass:\"write-to-us\"},[_c('p',{staticClass:\"footer-heading\"},[_vm._v(\"Write to us\")]),_c('dynamic-template',{attrs:{\"template\":_vm.CONTACT_US_WINCHESTER}})],1),_c('div',{staticClass:\"useful-pages\"},[_c('div',[_c('p',{staticClass:\"footer-heading\"},[_vm._v(\"Useful Pages\")]),_c('div',[(!_vm.isRegistrationAndLoginDisabled)?_c('div',[_c('router-link',{attrs:{\"to\":\"/my-pension/my-data\"}},[_vm._v(\"My Pension\")])],1):_vm._e(),_c('div',[_c('router-link',{attrs:{\"to\":\"/information\"}},[_vm._v(_vm._s(_vm.clientConfig.fundOrScheme)+\" Information\")])],1),_c('div',[_c('router-link',{attrs:{\"to\":\"/pension-news\"}},[_vm._v(\"News\")])],1),_c('div',[_c('router-link',{attrs:{\"to\":\"/links\"}},[_vm._v(\"Links\")])],1),_c('div',[_c('router-link',{attrs:{\"to\":\"/frequently-asked-questions\"}},[_vm._v(\"FAQs\")])],1)])])])])])])\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n \r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./FooterBar.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./FooterBar.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./FooterBar.vue?vue&type=template&id=274b8d30&scoped=true\"\nimport script from \"./FooterBar.vue?vue&type=script&lang=js\"\nexport * from \"./FooterBar.vue?vue&type=script&lang=js\"\nimport style0 from \"./FooterBar.vue?vue&type=style&index=0&id=274b8d30&prod&scoped=true&lang=scss\"\n\n\n/* normalize component */\nimport normalizer from \"!../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"274b8d30\",\n null\n \n)\n\nexport default component.exports","\r\n \r\n\r\n \r\n \r\n \r\n\r\n
\r\n
\r\n
\r\n
Welcome to the\r\n member website for {{ formatTheSchemeName }}
\r\n
\r\n \r\n
This website provides you with information about your benefits in the {{ clientConfig.fundOrScheme }}. It allows you to\r\n update your details, view your correspondence and find other helpful resources.
\r\n \r\n
You will need to register to view your informationbenefits. There is a helpful video and step-by-step registration guide below to assist you with this.
View and securely update your information together with access to your personal correspondence.
\r\n
View your benefits, access your personal correspondence and securely update your information.
\r\n
\r\n
\r\n \r\n
\r\n
\r\n
\r\n\r\n
\r\n
\r\n
\r\n \r\n\r\n
\r\n
\r\n
About your {{ clientConfig.fundOrScheme }}
\r\n
Find information about the {{ clientConfig.fundOrScheme }} and the latest communications from the\r\n {{ clientConfig.trusteeWording }}.
\r\n
\r\n\r\n
\r\n \r\n
\r\n
\r\n
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\r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./HomeNew.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../node_modules/thread-loader/dist/cjs.js!../../../node_modules/babel-loader/lib/index.js!../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./HomeNew.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./HomeNew.vue?vue&type=template&id=4492ab75&scoped=true\"\nimport script from \"./HomeNew.vue?vue&type=script&lang=js\"\nexport * from \"./HomeNew.vue?vue&type=script&lang=js\"\nimport style0 from \"./HomeNew.vue?vue&type=style&index=0&id=4492ab75&prod&scoped=true&lang=scss\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"4492ab75\",\n null\n \n)\n\nexport default component.exports","var render = function render(){var _vm=this,_c=_vm._self._c;return _c('Modal',{attrs:{\"value\":_vm.showModal,\"headerText\":\"Important message about your new Fund administrator\",\"tabindex\":\"0\"},on:{\"input\":_vm.closeModal},scopedSlots:_vm._u([{key:\"modal-body\",fn:function(){return [_c('div',{staticClass:\"p-4\"},[_c('p',{staticClass:\"mb-4\"},[_vm._v(\"Your new Fund administrator is Lane Clark & Peacock. The announcements below provide more information.\\n\")]),_c('div',{staticClass:\"announcements\"},[_c('div',{staticClass:\"announcement active\",style:({backgroundImage: `url(${_vm.directoryUrl}/img/active-icon.png)`}),attrs:{\"tabindex\":\"0\",\"role\":\"link\",\"aria-label\":\"Announcement for active members\"},on:{\"click\":function($event){return _vm.openDocument('announcement-for-active-members.pdf')}}},[_vm._v(\"\\n Announcement for active members\\n \")]),_c('div',{staticClass:\"announcement deferred\",style:({backgroundImage: `url(${_vm.directoryUrl}/img/deferred-icon.png)`}),attrs:{\"tabindex\":\"0\",\"role\":\"link\",\"aria-label\":\"Announcement for deferred members\"},on:{\"click\":function($event){return _vm.openDocument('announcement-for-deferred-members.pdf')}}},[_vm._v(\"\\n Announcement for deferred members\\n \")]),_c('div',{staticClass:\"announcement pensioners\",style:({backgroundImage: `url(${_vm.directoryUrl}/img/pensioner-icon.png)`}),attrs:{\"tabindex\":\"0\",\"role\":\"link\",\"aria-label\":\"Announcement for pensioners\"},on:{\"click\":function($event){return _vm.openDocument('announcement-for-pensioners.pdf')}}},[_vm._v(\"\\n Announcement for pensioners\\n \")])])])]},proxy:true}])})\n}\nvar staticRenderFns = []\n\nexport { render, staticRenderFns }","\r\n \r\n \r\n
\r\n
Your new Fund administrator is Lane Clark & Peacock. The announcements below provide more information.\r\n
\r\n
\r\n
\r\n Announcement for active members\r\n
\r\n
\r\n Announcement for deferred members\r\n
\r\n
\r\n Announcement for pensioners\r\n
\r\n
\r\n
\r\n \r\n \r\n\r\n\r\n\r\n\r\n\r\n","import mod from \"-!../../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../../node_modules/thread-loader/dist/cjs.js!../../../../node_modules/babel-loader/lib/index.js!../../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./launchCommsModal.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../../../node_modules/thread-loader/dist/cjs.js!../../../../node_modules/babel-loader/lib/index.js!../../../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../../../node_modules/vue-loader/lib/index.js??vue-loader-options!./launchCommsModal.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./launchCommsModal.vue?vue&type=template&id=5c6a5500&scoped=true\"\nimport script from \"./launchCommsModal.vue?vue&type=script&lang=js\"\nexport * from \"./launchCommsModal.vue?vue&type=script&lang=js\"\nimport style0 from \"./launchCommsModal.vue?vue&type=style&index=0&id=5c6a5500&prod&scoped=true&lang=scss\"\n\n\n/* normalize component */\nimport normalizer from \"!../../../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n script,\n render,\n staticRenderFns,\n false,\n null,\n \"5c6a5500\",\n null\n \n)\n\nexport default component.exports","\r\n
Whether it's finances for now or the future, it isn't always obvious where to start when you're looking for help or information.
\r\n
A good starting point is MoneyHelper - a government backed service which brings together everyday money and pensions guidance. MoneyHelper includes a list of useful contacts as well as a number of helpful tools and calculators. Some of these are shown below:
A Pension Calculator that can help find out your likely retirement income.
\r\n
\r\n
It is important when making any financial decisions that you consider both the immediate impact as well as the effect on your future needs.
\r\n
If you are over 50, you can access a free pensions guidance service run by Pension Wise (this is also part of MoneyHelper). Pension Wise is primarily aimed at those with Defined Contribution (DC) pension pots and offers free guidance appointments which can be online, on the phone or face to face.
`,\r\n sort: 88,\r\n },\r\n {\r\n id: 'finding-lost-pensions',\r\n title: 'Finding lost pensions',\r\n image: '/img/news/lost-pensions.jpg',\r\n snippet:\r\n 'Keeping track of your pensions can be a challenge – you may hold pensions from many years ago, or may have changed jobs multiple times, or moved house.',\r\n html:\r\n `\r\n
Keeping track of your pensions can be a challenge – you may hold pensions from many years ago, or may have changed jobs multiple times, or moved house. All of these factors and more make it easy to lose track of your pensions. However, it is important you are sure you are claiming everything you are entitled to in retirement. If you want to find out more about tracing lost pensions, please see our top ten tips to find lost pensions.
\r\n
When looking for lost pensions please make sure you use a legitimate site such as those mentioned in the link above and the MoneyHelper site as by simply typing 'find lost pension' into a search engine, what you get back is likely to be a mix of legitimate businesses who help people find their pensions, official government sites and - potentially - more questionable sites. This latter group may include people whose main focus is simply to get control of your money, perhaps charging you high fees for locating your money, high fees for investing it on your behalf and potentially even moving it to somewhere where you may lose some or all of it completely.
\r\n `,\r\n sort: 89,\r\n },\r\n {\r\n id: 'transfers-beware-of-scammers',\r\n title: 'Pension transfers - beware of scammers',\r\n image: '/img/news/covid-19-scam.jpg',\r\n snippet: 'Anyone can be the victim of a scam, including a pension scam, no matter how financially aware they are.',\r\n html: `\r\n
Anyone can be the victim of a scam, including a pension scam, no matter how financially aware they are. The Pensions Regulator has shared the real-life story of a pension scam victim – you can watch this video where Pauline tells us what happened to her - don’t let this happen to you!
\r\n
The Pensions Regulator warns that everyone should exercise extreme caution if considering a pension transfer and that they should visit the ScamSmart website. They also suggest reading their warning leaflet.
\r\n
If you are called out of the blue by an individual or company promising to move your savings to a ‘safe haven’ or offering to carry out a ‘free pension review’ please hang up. Cold calling in this way is illegal.
\r\n
Pension scams can be hard to spot: Scammers can be articulate with credible websites, testimonials and materials that are hard to distinguish from the real thing.
\r\n
However, alarm bells should ring if you see any of the following as they may suggest a potential scam:
\r\n
\r\n
offers or mentions of ‘one-off investments’
\r\n
high pressure sales tactics - i.e. time-limited offers or using couriers who wait while you sign a document
\r\n
upfront cash incentives
\r\n
‘legal loopholes’
\r\n
‘early access’ to release cash from your pension, especially if it’s before 55 with no mention of the tax bill that can arise
\r\n
incredible returns on investments or high-risk investments which tend to be overseas, unregulated and with no consumer protections
\r\n
complicated investment structures
\r\n
fixed-term pension investments – these often mean people who transfer do not realise something is wrong for several years
\r\n
\r\n
You should also be on your guard against recovery room scams or secondary scamming, which sees fraudsters approach people who have already been scammed and offer to help them get their money back for a fee.
\r\n
If you are approached by someone about your pension, here are four useful steps to think about:
\r\n \r\n
Reject unexpected pension offers whether in person, via the post, over the phone or online through social media and direct messaging services.
\r\n
Check who you’re dealing with before changing your pension arrangements. Check the ScamSmart website or call 0800 111 6768 to see if the firm you are dealing with is authorised by the FCA to give advice on pension transfers.
\r\n
Don’t be rushed or pressured into making any decision about your pension.
\r\n
Consider getting impartial information and advice – in some cases it may be a requirement to do so. You can find advisers who specialise in pensions through this MoneyHelper page.
\r\n \r\n
If you are concerned about this, please let us know or speak to someone at MoneyHelper.
\r\n `,\r\n sort: 90,\r\n },\r\n {\r\n id: 'pension-transfers-guidance-from-the-financial-conduct-authority',\r\n title: 'Pension transfers – guidance from the Financial Conduct Authority',\r\n image: '/img/news/headway.jpg',\r\n snippet: 'If you are considering a transfer, the FCA suggests you read their guidance.',\r\n html: `\r\n
If you are considering a transfer, the FCA suggests you read their guidance including:
what poor advice may look like - www.fca.org.uk/consumers/pension-transfer-defined-benefit/advice-checker. Please note that the information on what poor advice might look like is primarily for those who have already transferred benefits, but it could still be useful when you are considering the quality of any advice you receive.
\r\n
\r\n
Remember also that MoneyHelper is available if you are looking to speak to someone for free impartial guidance.
\r\n `,\r\n sort: 91,\r\n },\r\n {\r\n id: 'defined-contribution-(dc)-savings-in-uncertain-times',\r\n title: 'Defined Contribution (DC) savings in uncertain times',\r\n image: '/img/news/dc-savings.jpg',\r\n snippet: 'We would like to take the opportunity to remind you that if you have DC pension savings, you may want to consider reviewing your investment strategy to make sure it remains appropriate for any retirement plans you have.',\r\n html: '
We would like to take the opportunity to remind you that if you have DC pension savings (either in this scheme or elsewhere), you may want to consider reviewing your investment strategy to make sure it remains appropriate for any retirement plans you have. As with any investment, you should think carefully and consider getting appropriate professional advice before making any decisions, particularly during periods of market volatility or financial uncertainty.
',\r\n sort: 92,\r\n },\r\n {\r\n id: 'who-do-you-want-to-be-your-beneficiary',\r\n title: 'Who do you want to be your beneficiary/ies?',\r\n image: '/img/news/beneficiary.jpg',\r\n snippet: 'If a lump sum is payable on your death you should complete an ‘Expression of Wish’ form to tell the <> who you would like to receive it, although ultimately the <> will decide who the beneficiaries will be.',\r\n html: '
This is important if you haven’t taken any benefits yet, still have part of your benefits to take or if you only started to take retirement benefits in recent years. If a lump sum is payable on your death you should complete an ‘Expression of Wish’ form to tell the pension scheme who you would like to receive it, although ultimately the Trustee(s) of that scheme will usually decide who the beneficiaries will be. If you have not already completed an Expression of Wish form, want to update one you have completed, or are not sure if you need one, please get in touch.
',\r\n sort: 93,\r\n },\r\n {\r\n id: 'have-you-considered-a-lasting-power-of-attorney',\r\n title: 'Have you considered a Lasting Power of Attorney?',\r\n image: '/img/news/power-of-attorney.jpg',\r\n snippet:\r\n 'Nobody really wants to think about a time when they may not be able to look after their finances. But there are all sorts of reasons why people can\\'t - or don\\'t want to - deal with things like their pension.',\r\n html: `\r\n
Nobody really wants to think about a time when they may not be able to look after their finances. But there are all sorts of reasons why people can’t – or don’t want to – deal with things like their pension. At LCP we’re seeing the use of Lasting Power of Attorneys (LPOA) increase, as the benefits of having one in place are becoming more widely known; they can really help ease the burden for a relative or friend who is trying to help you at a potentially emotional time.
\r\n
Setting up a LPOA for the future is something you may be putting off – but you shouldn’t. In England and Wales a LPOA for property and financial affairs can be set up, without a solicitor, using free standard forms available from the Office of the Public Guardian at a cost of less than £100 to register the LPOA (a similar system exists in Scotland). And it’s beneficial for a number of reasons:
\r\n
It's not just for people over a certain age
\r\n
It’s true that older people are more likely to need one, as the effects of ageing often mean a reduction in capacity – and interest – in people handling their financial affairs. However, LPOAs are useful in a range of circumstances – if you are planning on spending a period of time abroad for example, or have an operation planned and do not want to deal with your finances while recovering.
\r\n
Your spouse or child can’t sort out your pension for you
\r\n
This is a common misconception – being your spouse or a child does not automatically give someone the ability to handle your financial affairs. Your spouse can’t ask us to change your address or bank details for example, and we cannot provide them with payslips or other financial information.
\r\n
Not having a LPOA may make things more difficult later on
\r\n
If you don’t have a LPOA in place then you will still need to be prepared to handle your finances. Should you lose mental capacity and not be able to take decisions, an application may need to be made to the Court of Protection to appoint a Deputy to manage your affairs on your behalf. This is a lengthy and costly process, and the Deputy will have formal responsibilities, including the submission of an annual report to the Office of the Public Guardian.
\r\n
Of course, if you already have a Lasting Power of Attorney in place, then do let us know! Once we have checked that it has been registered with the Office of the Public Guardian, we can then accept instructions from your Attorney(s) should the need arise in the future.
\r\n `,\r\n sort: 94,\r\n },\r\n {\r\n id: 'easy-read-guide-to-the-new-state-pension',\r\n title: 'Easy read guide to the new State Pension',\r\n image: '/img/news/pension-guide.jpg',\r\n snippet: 'The DWP has published three guides to the ‘new’ State Pension - this is the pension potentially available to those reaching State Pension Age since 6 April 2016.',\r\n html: '
The DWP has published three guides to the ‘new’ State Pension - this is the pension potentially available to those reaching State Pension Age since 6 April 2016. The first guide looks at what is the new State Pension and who can get it, the second looks at how to apply for the new State Pension and the third sets out how the DWP pays the pension.',\r\n sort: 95,\r\n },\r\n {\r\n id: 'thousands-of-women-could-be-being-underpaid-their-state-pension',\r\n title: 'Thousands of women could be being underpaid their State Pension',\r\n image: '/img/news/underpaid-state-pension.jpg',\r\n snippet:\r\n 'The State Pension system has historically made provision for certain married women who were financially dependent on their husband to claim a higher State Pension based on their husband’s National Insurance records.',\r\n html: '
The State Pension system has historically made provision for certain married women who were financially dependent on their husband to claim a higher State Pension based on their husband’s National Insurance records. A recent investigation has discovered that thousands of women could be being underpaid their State Pension. For further details on people affected, as well as a LCP’s calculator tool, please see here.
',\r\n sort: 96,\r\n },\r\n {\r\n id: 'mothers-missing-millions',\r\n title: 'Mothers missing millions',\r\n image: '/img/news/mothers-missing-millions.jpg',\r\n snippet:\r\n 'Since 1978/79, the State Pension system has included a measure of protection for the National Insurance records of people who were not paying National Insurance Contributions because of family responsibilities. However, there have in the past been concerns that some people - mostly mothers - were not getting this protection due to historic computer errors.',\r\n html: `\r\n
Since 1978/79, the State Pension system has included a measure of protection for the National Insurance records of people who were not paying National Insurance Contributions because of family responsibilities. However, there have in the past been concerns that some people - mostly mothers - were not getting this protection due to historic computer errors.
\r\n
For full details and a 3-step guide to see if this applies to you. please see LCP’s website here.
\r\n `,\r\n sort: 97,\r\n },\r\n {\r\n id: 'inherited-state-pension',\r\n title: 'If you are a widow or widower, you can use our tool to see if you may be entitled to an inherited State Pension',\r\n image: '/img/news/widower.jpg',\r\n snippet: 'LCP has developed a new tool to see if as a widow or widower you may be entitled to an inherited State Pension.',\r\n html: `\r\n
LCP has developed a new tool to see if as a widow or widower you may be entitled to an inherited State Pension.
\r\n
The group most affected are those who are widows or widowers at the point when they claim their new State Pension and where either:
\r\n
\r\n
The late spouse or civil partner reached State Pension Age before 6 April 2016, or
\r\n
The late spouse or civil partner died before 6 April 2016.
\r\n
\r\n
The site can also be used by those who would like to understand what they might be entitled to from the State Pension arrangements if their spouse were to die before them.
\r\n `,\r\n sort: 98,\r\n },\r\n {\r\n id: 'can-i-boost-my-state-pension',\r\n title: 'Can I boost my State Pension?',\r\n image: '/img/news/pension-boost.jpg',\r\n snippet: 'The amount of State Pension someone receives depends on their record of National Insurance contributions.',\r\n html: '
The amount of State Pension someone receives depends on their record of National Insurance contributions. For anyone who reached State Pension Age after 5 April 2016, the full State Pension - with effect from 6 April 2024 - is £221.20 per week. However, for various reasons some people may be heading for less than this amount, and, in some cases, may be able to boost their pension by paying voluntary National Insurance contributions. If you want to find out more including deadlines for topping up, please try LCP’s calculator tool here.
',\r\n sort: 99,\r\n },\r\n {\r\n id: 'get-to-know-your-pension-hints-and-tools-from-the-dwp',\r\n title: 'Get to know your pension: hints and tools from the DWP',\r\n image: '/img/news/get-to-know-your-pension.jpg',\r\n snippet: 'As part of its ongoing campaign to get people more engaged with their retirement savings, the Department for Work and Pensions (DWP) has published a website to help people plan for their retirement.',\r\n html: '
As part of its ongoing campaign to get people more engaged with their retirement savings, the Department for Work and Pensions (DWP) has published a website to help people plan for their retirement. It brings together various tools to trace lost pensions, find out what your likely State Pension will be, and work out how much money you may need to enjoy the retirement you want.
',\r\n sort: 100,\r\n },\r\n {\r\n id: 'retirement-living-standards',\r\n title: 'Retirement Living Standards - guide',\r\n image: '/img/news/retirement-living-standards.jpg',\r\n snippet: 'The Pensions and Lifetime Savings Association has released a visual guide to the amount of money you may need each year in retirement.',\r\n html: '
The Pensions and Lifetime Savings Association has released a visual guide to the amount of money you may need each year in retirement. It is designed to show you what life in retirement looks like at three different levels – minimum, moderate, and comfortable – and the potential income needed to support each scenario.
',\r\n sort: 101,\r\n },\r\n {\r\n id: 'changes-to-the-minimum-pension-age',\r\n title: 'Changes to the Minimum Pension Age',\r\n image: '/img/news/scammer-retirement.jpg',\r\n snippet: 'The earliest age from which people can normally start to take their private pension benefits is changing from age 55 to age 57 from 6 April 2028. The Government confirmed this change in February 2021 for most pension arrangements.',\r\n html: `\r\n
The earliest age from which people can normally start to take their private pension benefits is changing from age 55 to age 57 from 6 April 2028. The government confirmed this change in February 2021 for most pension arrangements.
\r\n
However, some pension arrangements may still allow benefits to be taken before age 57 from April 2028.
\r\n `,\r\n sort: 102,\r\n },\r\n {\r\n id: 'new-pension-tax-allowances',\r\n title: 'New pension tax allowances',\r\n image: '/img/news/money-scales.jpg',\r\n snippet:\r\n 'Since 6 April 2024, the Lifetime Allowance has been replaced by two new allowances - the ‘Lump Sum Allowance’ (LSA) and the ‘Lump Sum and Death Benefit Allowance’ (LSDBA).',\r\n html: `\r\n
Since 6 April 2024, the Lifetime Allowance has been removed from law. Historically, the Lifetime Allowance referred to the amount of pension savings someone could normally build up in pension schemes during their lifetime without paying additional tax. However, since 6 April, the Lifetime Allowance has been replaced by two new allowances - the ‘Lump Sum Allowance’ (LSA) and the ‘Lump Sum and Death Benefit Allowance’ (LSDBA). These two new allowances limit the amount of tax-free lump sums that can be paid (either when someone first takes pension benefits or following their death), with any lump sums in excess of the allowances usually being subject to income tax. For most, the LSA is £268,275 and the LSDBA is £1,073,100. Further details on these two new allowances can be found in this leaflet.
\r\n
As well as the two new allowances mentioned above, there are other pension tax allowances that pension savers should be aware of, including:
\r\n
\r\n
The Annual Allowance, which is currently £60,000 a year and is the amount of pension savings someone can usually build up in pension schemes during a tax year before they are at risk of a special tax charge called the ‘Annual Allowance charge’. Whether someone will have a charge to pay will also depend on how much unused Annual Allowance they have from the previous three tax years.
\r\n
The highest earners (those with incomes over £200,000) may be subject to a ‘taper’ and a much lower Annual Allowance. The tapered Annual Allowance currently reduces on a sliding scale from £60,000 down to a minimum of £10,000 for the 2024/25 tax year.
\r\n
The Money Purchase Annual Allowance, which is currently £10,000 a year and applies to individuals who have ‘flexibly accessed’ their pension savings. Someone may have flexibly accessed their pension savings if they have taken a taxable benefit from their pension pot (which might be ‘income drawdown’ or a lump sum where part of the benefit is subject to income tax).
\r\n
\r\n
Please note that these allowances apply in aggregate across all of an individual’s pension arrangements.
Pensions tax can be complicated, and you should consider whether to seek professional advice from a tax or financial adviser.
\r\n `,\r\n sort: 103,\r\n },\r\n {\r\n id: 'midlife-mot',\r\n title: 'Boost your health, work and money with the Midlife MOT site',\r\n image: '/img/news/midlife-mot.jpg',\r\n snippet:\r\n 'We all take good care of the things we love, but do you take good care of yourself? Your health, your work, and your money are important parts of your life. You deserve to have the best possible future for yourself and your loved ones.',\r\n html: `\r\n
We all take good care of the things we love, but do you take good care of yourself? Your health, your work, and your money are important parts of your life. You deserve to have the best possible future for yourself and your loved ones.
\r\n
That’s why the government has created a special website for people based in the UK to help with future planning: the Midlife MOT site. This website is like a personal check-up tool, it helps you see how you are doing in different areas of your life and what you might be able to do to improve them.
\r\n
The Midlife MOT site has useful information and resources from different organisations, such as the NHS, MoneyHelper, Mind, Citizens Advice and the Department for Work and Pensions. You can access it online anytime or visit a Job Centre (if in the UK) to find out more.
\r\n
The Midlife MOT site can help you with many things, such as:
\r\n
\r\n
Finding new skills and jobs that match your interests and talents
\r\n
Keeping healthy and happy, so you can enjoy your work and life
\r\n
Managing your money wisely, so you can achieve your financial goals
\r\n
Planning for your retirement, so you can have a comfortable and fulfilling life after work
\r\n
Finding and boosting your pension, so you can have enough income for your future
\r\n
\r\n
The Midlife MOT site is for everyone, but especially for people aged 45-65. It’s never too early or too late to start planning for your future. The Midlife MOT site can help you find the right information and make plans for yourself and your family.
\r\n
So, what are you waiting for? Visit the Midlife MOT site today and start your own personal check-up, because it’s time to invest in yourself.
\r\n `,\r\n sort: 104,\r\n },\r\n ],\r\n },\r\n getters: {\r\n sortedNews: s => s.pensionNews.sort((a, b) => a.sort - b.sort),\r\n },\r\n mutations: {\r\n addExtraNews (state, payload) {\r\n payload.forEach((news) => {\r\n const found = state.pensionNews.findIndex(item => item.id === news.id);\r\n if (found < 0) {\r\n state.pensionNews.push(news);\r\n }\r\n });\r\n },\r\n },\r\n actions: {},\r\n};\r\n","import Vue from 'vue';\r\nimport axios from 'axios';\r\nimport { stateMerge } from 'vue-object-merge';\r\nimport { is } from 'core-js/core/object';\r\n\r\nconst code = process.env.VUE_APP_APICODE;\r\nconst apiUrl = process.env.VUE_APP_APIADDRESS;\r\nexport default {\r\n namespaced: true,\r\n state: {\r\n title: '',\r\n forenames: '',\r\n surname: '',\r\n dob: '',\r\n sex: '',\r\n maritalStatus: '',\r\n phoneNumbers: {\r\n Home: '',\r\n Work: '',\r\n Mobile: '',\r\n },\r\n address: {\r\n line1: '',\r\n line2: '',\r\n line3: '',\r\n line4: '',\r\n },\r\n isRegistered: false,\r\n email: 'name.surname@lcp.uk.com',\r\n userId: '',\r\n latestUnconfirmedAddress: {},\r\n latestConfirmedAddress: {},\r\n webforms: [],\r\n },\r\n getters: {\r\n userDetails: s => s,\r\n isRegistered: s => s.isRegistered,\r\n webforms: s => s.webforms,\r\n webformsSortedByCreation: s => s.webforms.sort((a, b) => new Date(b.creationTime) - new Date(a.creationTime)),\r\n webformsSortedByCreationFilteringOutAdmin: s => s.webforms.filter((w) => {\r\n const cutOffDateForAdmin = new Date('2023-07-10');\r\n const dateFormCreated = new Date(w.creationTime);\r\n const isGeneratedByAdmin = w.isGeneratedByMember === false;\r\n const formCreatedAfterCutOffDate = dateFormCreated >= cutOffDateForAdmin;\r\n return !isGeneratedByAdmin || (isGeneratedByAdmin && !formCreatedAfterCutOffDate);\r\n }),\r\n },\r\n mutations: {\r\n updateUserData (state, payload) {\r\n stateMerge(state, payload);\r\n },\r\n // updateAddressDetails (state, payload) {\r\n // // stateMerge(state, payload, 'latestUnconfirmedAddress', false);\r\n // Vue.set(state, 'latestUnconfirmedAddress', payload);\r\n // },\r\n updatePhoneNumbers (state, payload) {\r\n Vue.set(state, 'phoneNumbers', payload);\r\n },\r\n setRegisteredStatus (state, payload) {\r\n Vue.set(state, 'isRegistered', payload);\r\n },\r\n addWebform (state, webId) {\r\n state.webforms.push(webId);\r\n },\r\n setWebforms (state, webforms) {\r\n Vue.set(state, 'webforms', webforms);\r\n },\r\n },\r\n actions: {\r\n updateAddressApi ({ commit }, payload) {\r\n return axios\r\n .post(`${apiUrl}/ChangeAddress?code=${code}`, payload)\r\n .then((response) => {\r\n if (response.data.success) {\r\n // all ok now update the state to reflect the changes\r\n commit('updateAddressDetails', payload.Address, { root: true });\r\n }\r\n return response.data;\r\n });\r\n },\r\n updateTelephoneApi ({ commit }, payload) {\r\n return axios\r\n .post(`${apiUrl}/UpdatePhoneNumbers?code=${code}`, payload)\r\n .then((response) => {\r\n if (response.data.success) {\r\n // all ok now update the state to reflect the changes\r\n commit('updatePhoneNumbers', payload);\r\n }\r\n return response.data;\r\n });\r\n },\r\n notificationOfDeathApi ({ commit }, payload) {\r\n return axios\r\n .post(`${apiUrl}/NotificationOfDeath?code=${code}`, payload)\r\n .then((response) => {\r\n if (response.data.success) {\r\n // all ok now update the state to reflect the changes\r\n commit('notificationOfDeath', payload);\r\n }\r\n return response.data;\r\n });\r\n },\r\n registerUser ({ commit }, payload) {\r\n return axios\r\n .post(`${apiUrl}/Activate?code=${code}`, payload)\r\n .then((response) => {\r\n if (response.data.success) {\r\n // all ok now update the state to reflect the changes\r\n commit('setRegisteredStatus', true);\r\n }\r\n return response.data;\r\n });\r\n },\r\n isRegistered ({ commit }, payload) {\r\n return axios\r\n .get(`${apiUrl}/IsRegistered?code=${code}`, payload)\r\n .then((response) => {\r\n if (response.data.success) {\r\n // all ok now update the state to reflect the changes\r\n commit('setRegisteredStatus', true);\r\n }\r\n return response.data;\r\n });\r\n },\r\n generateWebForm (context, payload) {\r\n return axios\r\n .post(`${apiUrl}/GenerateWebForm?code=${code}`, payload)\r\n .then(response => response.data);\r\n },\r\n getWebForms ({ commit }) {\r\n return axios.get(`${apiUrl}/GetWebForms?code=${code}`).then((response) => {\r\n commit('setWebforms', response.data);\r\n return response.data;\r\n });\r\n },\r\n UpdateMaritalStatusDependantInfo (context, payload) {\r\n return axios\r\n .post(`${apiUrl}/UpdateMaritalStatusDependantInfo`, payload)\r\n .then(response => response.data);\r\n },\r\n },\r\n};\r\n","\r\nimport { stateMerge } from 'vue-object-merge';\r\n\r\nexport default {\r\n namespaced: true,\r\n state: {\r\n colours: {\r\n },\r\n logo: {\r\n usePrimaryBg: true,\r\n },\r\n background: {\r\n useColourOverlay: false,\r\n },\r\n schemeName: '',\r\n homepageCaveat: '',\r\n schemeDocs: [],\r\n importantForms: [],\r\n modeller: {},\r\n modellerOverrides: {},\r\n },\r\n getters: {\r\n clientConfig: s => s,\r\n // Replace 'the' with 'The' if 'The' is part of the scheme name - 'The NRM Pension fund' fix\r\n formatTheSchemeName: (scheme) => {\r\n const schemeName = scheme.schemeName;\r\n if (!schemeName) {\r\n return '';\r\n }\r\n if (schemeName.startsWith('The ')) {\r\n return schemeName;\r\n }\r\n return `the ${schemeName}`;\r\n },\r\n },\r\n mutations: {\r\n setClientConfig (state, payload) {\r\n stateMerge(state, payload);\r\n },\r\n },\r\n actions: {\r\n setClientConfig ({ commit }, payload) {\r\n commit('setClientConfig', payload);\r\n if (payload.news !== undefined) {\r\n commit('news/addExtraNews', payload.news, { root: true });\r\n }\r\n },\r\n },\r\n};\r\n","import axios from 'axios';\r\nimport Vue from 'vue';\r\n\r\nexport default {\r\n namespaced: true,\r\n state: {\r\n authObject: null,\r\n isRegistered: null,\r\n isLcpUser: null,\r\n isGetDashboardDataSlow: false, // default to false\r\n sessionExpired: false,\r\n },\r\n getters: {\r\n getAuthState: s => s.authObject,\r\n getIsRegistered: s => s.isRegistered,\r\n getIsLcpUser: s => s.isLcpUser,\r\n getToken: s => (s.authObject ? s.authObject.access_token : null),\r\n getSessionExpired: s => s.sessionExpired,\r\n getIsGetDashboardDataSlow: s => s.isGetDashboardDataSlow,\r\n },\r\n actions: {\r\n checkIfLoggedIn ({ commit }) {\r\n // look to see if we have a local auth session cookie\r\n let authResponse = localStorage.getItem('hello');\r\n if (authResponse && authResponse !== '{}') {\r\n // we have a local object\r\n authResponse = JSON.parse(authResponse).adB2CSignInSignUp;\r\n // check to see if the session is still valid\r\n if (Vue.moment.unix(authResponse.expires) > Vue.moment()) {\r\n commit('setAuthState', authResponse);\r\n // set default headers\r\n axios.defaults.headers.common.Authorization = `Bearer ${authResponse.access_token}`;\r\n } else {\r\n // clear localstorage, redirect\r\n localStorage.removeItem('hello');\r\n commit('setAuthState', null);\r\n // next('/');\r\n return false;\r\n }\r\n } else if (authResponse && authResponse === '{}') {\r\n // clear localstorage, redirect\r\n localStorage.removeItem('hello');\r\n commit('setAuthState', null);\r\n // next('/');\r\n return false;\r\n } else if (authResponse === null) {\r\n return false;\r\n }\r\n return true;\r\n },\r\n checkIfRegistered ({ commit }, showLoader) {\r\n const apiUrl = process.env.VUE_APP_APIADDRESS;\r\n const code = process.env.VUE_APP_APICODE;\r\n if (showLoader) commit('setLoader', { show: true, message: 'checking our records' }, { root: true });\r\n return axios.get(`${apiUrl}/isRegistered?code=${code}`)\r\n .then((response) => {\r\n const data = response.data;\r\n const isRegistered = data.isRegistered || data.isLcpUser;\r\n commit('setIsRegistered', isRegistered);\r\n commit('userDetails/setRegisteredStatus', isRegistered, { root: true });\r\n commit('setIsLcpUser', data.isLcpUser);\r\n commit('setIsGetDashboardDataSlow', data.isGetDashboardDataSlow);\r\n if (showLoader) commit('setLoader', { show: false, message: '' }, { root: true });\r\n return { isRegistered, isLcpUser: data.isLcpUser, isGetDashboardDataSlow: data.isGetDashboardDataSlow };\r\n })\r\n .catch(error => false);\r\n },\r\n checkIfPasswordResetRequested () {\r\n return window.location.href.indexOf('AADB2C901') > -1;\r\n },\r\n },\r\n mutations: {\r\n setAuthState (state, auth) {\r\n Vue.set(state, 'authObject', auth);\r\n },\r\n setIsRegistered (state, val) {\r\n Vue.set(state, 'isRegistered', val);\r\n },\r\n setIsGetDashboardDataSlow (state, val) {\r\n Vue.set(state, 'isGetDashboardDataSlow', val);\r\n },\r\n setIsLcpUser (state, val) {\r\n Vue.set(state, 'isLcpUser', val);\r\n },\r\n setSessionExpired (state, val) {\r\n state.sessionExpired = val;\r\n },\r\n },\r\n};\r\n","export default {\r\n methods: {\r\n generateGuid () {\r\n function s4 () {\r\n return Math.floor((1 + Math.random()) * 0x10000)\r\n .toString(16)\r\n .substring(1);\r\n }\r\n return `${s4() + s4()}${s4()}${s4()}${s4()}${s4()}${s4()}${s4()}`;\r\n },\r\n },\r\n};\r\n","import Vue from 'vue';\r\nimport guid from '@/mixins/guid';\r\nimport axios from 'axios';\r\n\r\nconst apiUrl = process.env.VUE_APP_APIADDRESS;\r\n\r\nexport default {\r\n namespaced: true,\r\n state: {\r\n sessionId: null,\r\n timeEnteredSite: new Date(),\r\n timeEnteredPage: {},\r\n sliderInteracted: {\r\n retirementAge: false,\r\n cashLumpSum: false,\r\n },\r\n isLoggingIn: false,\r\n modeller: {\r\n currentSection: null,\r\n timeOnCurrentSection: 0,\r\n },\r\n },\r\n getters: {\r\n sliderInteracted: s => s.sliderInteracted,\r\n sessionId: s => s.sessionId,\r\n },\r\n actions: {\r\n init ({ dispatch, state, commit }, router) {\r\n commit('setSessionId', guid.methods.generateGuid());\r\n\r\n router.afterEach((to, from) => {\r\n if (state.timeEnteredPage[from.path]) {\r\n dispatch('sendAnalyticsBeacon', {\r\n logType: 'timeElapsed',\r\n page: from.path !== '/' ? from.path.replace(/\\/$/, '') : '/',\r\n info: (new Date() - state.timeEnteredPage[from.path]) / 1000,\r\n });\r\n }\r\n commit('setTimeEnteredPage', { page: to.path, time: new Date() });\r\n });\r\n\r\n window.addEventListener('beforeunload', () => {\r\n const analyticsData = {\r\n logType: 'timeElapsed',\r\n page: router.currentRoute.path !== '/' ? router.currentRoute.path.replace(/\\/$/, '') : '/',\r\n info: (new Date() - state.timeEnteredPage[router.currentRoute.path]) / 1000,\r\n };\r\n dispatch('sendAnalyticsBeacon', analyticsData);\r\n\r\n // send final total session time\r\n analyticsData.page = 'all';\r\n analyticsData.info = (new Date() - state.timeEnteredSite) / 1000;\r\n dispatch('sendAnalyticsBeacon', analyticsData);\r\n });\r\n\r\n\r\n // recording external a links opening\r\n document.body.onclick = (e) => {\r\n // eslint-disable-next-line\r\n e = e || event;\r\n // find first parent with tagName [tagname]\r\n function findParent (tagname, el) {\r\n while (el) {\r\n if ((el.nodeName || el.tagName).toLowerCase() === tagname.toLowerCase()) {\r\n return el;\r\n }\r\n // eslint-disable-next-line no-param-reassign\r\n el = el.parentNode;\r\n }\r\n return null;\r\n }\r\n const from = findParent('a', e.target || e.srcElement);\r\n if (from && from.target === '_blank') {\r\n dispatch('sendAnalyticsBeacon', {\r\n logType: 'linkClicked',\r\n page: from.href,\r\n info: new Date(),\r\n });\r\n }\r\n };\r\n },\r\n sendAnalyticsBeacon ({ state, rootState }, analyticsDataJson) {\r\n const analyticsData = new FormData();\r\n analyticsData.append('logType', analyticsDataJson.logType);\r\n analyticsData.append('page', analyticsDataJson.page);\r\n analyticsData.append('sessionId', state.sessionId);\r\n\r\n if ((rootState.ui && rootState.ui.dashboardData && rootState.ui.dashboardData.basicData && rootState.ui.dashboardData.basicData.memberId)) {\r\n analyticsData.append('memberId', rootState.ui.dashboardData.basicData.memberId);\r\n }\r\n\r\n analyticsData.append('isImpersonating', !!axios.defaults.headers.get.ImpersonateId);\r\n analyticsData.append('info', analyticsDataJson.info);\r\n navigator.sendBeacon(`${apiUrl}/Log`, analyticsData);\r\n },\r\n updateModellerSection (context, modeller) {\r\n context.commit('setModellerSection', modeller.title);\r\n context.commit('setModellerTime', modeller.time);\r\n },\r\n },\r\n mutations: {\r\n setTimeEnteredPage (s, { time, page }) {\r\n Vue.set(s.timeEnteredPage, page, time);\r\n },\r\n setSessionId (s, value) {\r\n s.sessionId = value;\r\n },\r\n setSliderInteracted (s, type) {\r\n s.sliderInteracted[type] = true;\r\n },\r\n setLoggingIn (s) {\r\n s.isLoggingIn = true;\r\n },\r\n setModellerSection (s, sectionTitle) {\r\n s.modeller.currentSection = sectionTitle;\r\n },\r\n setModellerTime (s, time) {\r\n s.modeller.timeOnCurrentSection = time;\r\n },\r\n },\r\n};\r\n","import Vue from 'vue';\r\n\r\nfunction stringCleaner (value, clientConfig) {\r\n let localValue = value;\r\n const switchOuts = { fundOrScheme: clientConfig.fundOrScheme, trusteeWording: clientConfig.trusteeWording };\r\n\r\n if (typeof localValue === 'string' && typeof switchOuts === 'object') {\r\n Object.keys(switchOuts).forEach((key) => {\r\n localValue = localValue.replace(new RegExp(`{{\\\\s*${key}\\\\s*}}`, 'g'), switchOuts[key]);\r\n });\r\n }\r\n\r\n return localValue;\r\n}\r\n\r\nexport default {\r\n namespaced: true,\r\n state: {\r\n helpTopicFaqs: [\r\n {\r\n id: 'howToRegister',\r\n question: 'How do I register to use the website?',\r\n answer:\r\n '
Registration is quick and easy - first you’ll need to click the “Log in” button on the Home page followed by the “Register” button. You will also need your unique Registration Code we sent you in the post, along with your National Insurance number, email address, and the password you wish to use to access the website. If you have misplaced your Registration Code, please contact us using the details on the Contact Us page.
The video below guides you through this process.
',\r\n tags: ['registering'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'alreadyRegistered',\r\n question: 'I’m already registered - how do I change my login details or password?',\r\n answer:\r\n '
If you have already registered you can change your login details or password by clicking the “Log in” button on the Home page followed by the “Forgot your password?” link. If you do not have access to the email address you originally registered with, please contact us using the details on the Contact Us page.
',\r\n tags: ['registering'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'whatAreWebsiteBenefits',\r\n question: 'What are the benefits of registering to use the website?',\r\n answer:\r\n '
The website is the quickest and easiest way for you to access information about your benefits in the {{fundOrScheme}}. In particular, if you\\'re yet to take your pension from the {{fundOrScheme}}, you can normally view an illustration of your retirement benefits, through the My Pension page, including the impact of taking different options at different ages, the illustrative \\'transfer value\\' of your benefits if you were to move them to another pension scheme. If you would like an indication of your benefits we would strongly recommend that you start by registering to use this website.
Even if you’re in receipt of a pension from the {{fundOrScheme}}, you can still find useful information about your pension, the personal details we hold for you, along with items of correspondence we may issue to you from time-to-time, where available.
',\r\n tags: ['registering'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'whoToContactAboutRegistration',\r\n question: 'Who should I contact if I have a question about the registration process?',\r\n answer: '
If you are still having issues registering, after having read through the FAQs above, please contact us using the details on the Contact Us page.
',\r\n tags: ['registering'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'howWillMyPensionBePaid',\r\n question: 'How will my pension be paid?',\r\n answer: '
Your pension will be paid directly into your bank or building society account. Details of when this will be paid will be included in the correspondence sent to you when you retire.
',\r\n tags: ['retirement'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'willMyPensionBeTaxed',\r\n question: 'Will my pension and lump sum be taxed?',\r\n answer:\r\n '
When retirement benefits are taken, normally up to 25% of the benefits can be taken as a tax-free lump sum. It may also be possible to take a taxable lump sum at retirement in some circumstances (see our Pension Flexibility leaflet).
Pension payments are subject to income tax (but not National Insurance contributions) under the PAYE system. Income tax, if any, will be deducted before your pension is paid to you.
',\r\n tags: ['retirement'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'willYouNeedMyP45',\r\n question: 'Will I need to send you my P45 when I retire?',\r\n answer: '
If you left employment during the tax year that you retire, and were issued with a P45, please send us the original copies of parts 2 and 3. This will assist us in setting up your pension.
',\r\n tags: ['retirement'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'useMyTaxCode',\r\n question: 'Why can’t you use the tax code I gave you?',\r\n answer:\r\n '
If you do not have a P45 that was issued during the tax year that you retire, a temporary or emergency tax code will be used until the payroll provider for the {{fundOrScheme}} receives notification of your tax code directly from HM Revenue & Customs (HMRC). If you have any queries about your tax code, please ring HMRC on 0300 200 3300.
',\r\n tags: ['retirement'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'whyHasMyTaxCodeChanged',\r\n question: 'Why has my tax code changed in the P60 you sent me?',\r\n answer: '
HM Revenue & Customs (HMRC) is responsible for allocating tax codes. Any queries about changes to your tax code should be directed to the tax office. If you have any queries about your tax code, please ring HMRC on 0300 200 3300.
',\r\n tags: ['retirement', 'general'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'iLiveOutsideTheUK',\r\n question: 'I live outside the UK, where will my pension be paid?',\r\n answer:\r\n '
If your pension is paid by Lane Clark & Peacock LLP (LCP) in our role as administrator to the {{fundOrScheme}}, it will typically be to a UK bank account or building society. If you ask, and it is agreed, for your pension to be paid to your overseas bank account, it would normally be paid via Crown Agents. We would transfer your net pension to Crown Agents in Sterling and they would arrange for the onward payment to your overseas account. If it is agreed for your payment to be in another currency, the currency exchange will be dealt with by the bank through which Crown Agents make the payment. There may be charges associated with payments to overseas bank accounts.
If you would like further information on who your pension will be paid from or to request payment to an overseas bank account, please Contact Us.
It is your responsibility to check the appropriate amount is credited to your account. LCP and the Trustee accept no liability for the rate of exchange used or any delay caused by the transfer to an overseas and/or non-Sterling account.
',\r\n tags: ['retirement'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'whyCompleteLAQ',\r\n question: 'Why do I need to complete a questionnaire before I retire?',\r\n answer:\r\n '
Before we can pay your retirement benefits, we need to ask you certain information about your other pension arrangements using the questionnaire issued to you as part of your Retirement Options pack. We do so to check whether the benefits you are due to receive will exceed your remaining available relevant pension tax allowance, as this may affect some of the retirement options available to you.
',\r\n tags: ['retirement'],\r\n sort: 99,\r\n },\r\n {\r\n\r\n id: 'canITransferMyBenefits',\r\n question: 'Can I transfer my benefits out of the {{fundOrScheme}}?',\r\n answer:\r\n '
If you are not in receipt of a pension from the {{fundOrScheme}} and are interested in transferring your {{fundOrScheme}} benefits to another pension arrangement, details of your illustrative transfer value can (in most cases) be found on the website once you have logged in. If, after having viewed your illustrative transfer value online, you are interested in proceeding, please contact us using the details on the Contact Us page for a transfer value statement.
If you are in receipt of a pension from the {{fundOrScheme}}, you are unable to transfer your benefits to another pension arrangement.
',\r\n tags: ['transfer'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'whenCanIRequestTransferValueStatement',\r\n question: 'When, or how often, can I request a transfer value statement?',\r\n answer: '
To be able to transfer your benefits, you must have a current transfer value statement. Statements are usually valid for three months. There may be a charge if you request more than one transfer value a year. You cannot take a transfer from your benefits if you are already in receipt of a pension from the {{fundOrScheme}}.
',\r\n tags: ['transfer'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'WhereCanITransferBenefits',\r\n question: 'Where can I transfer my benefits?',\r\n answer:\r\n '
If you are not in receipt of a pension from the {{fundOrScheme}}, you may be able to take a transfer from your benefits to another Defined Contribution (DC) or Defined Benefit (DB) pension arrangement provided it is registered with HM Revenue & Customs (HMRC). DC arrangements typically include personal pensions, self-invested personal pensions, stakeholder schemes and some employer-run pensions. DB arrangements are normally only run by employers, and transfers into such arrangements are less common. You should be aware that we may need additional information from you and the potential receiving arrangement for certain transfers out of the {{fundOrScheme}} to satisfy legal requirements and that your transfer request may not proceed if those legal requirements are not met.
',\r\n tags: ['transfer'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'canMakeTransferOverseas',\r\n question: 'Can I take a transfer overseas?',\r\n answer:\r\n '
If you are not in receipt of a pension from the {{fundOrScheme}}, you may be able to take a transfer overseas provided the overseas plan is a recognised overseas pension scheme (ROPS), listed with HM Revenue & Customs (HMRC). Your adviser can tell you more about this. If you are considering a transfer to a ROPS you should tell us when you request a transfer value statement, because you will need a different pack and different procedures apply. You should be aware that we may need additional information from you and the potential receiving arrangement for certain transfers out of the {{fundOrScheme}} to satisfy legal requirements and that your transfer request may not proceed if those legal requirements are not met.
',\r\n tags: ['transfer'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'doNeedFinancialAdvice',\r\n question: 'Do I need to take financial advice?',\r\n answer:\r\n '
We always recommend that you seek appropriate independent advice before making a significant decision in relation to your {{fundOrScheme}} benefits, including in relation to taking a transfer from your {{fundOrScheme}} benefits. If you are transferring Defined Benefit pension benefits to a Defined Contribution arrangement and the value of your benefits available for transfer is above £30,000, you are required by law to take appropriate independent advice from an adviser authorised by the Financial Conduct Authority.
You can find advisers through MoneyHelper. When talking to an adviser, you may wish to check, apart from asking about their fees (and how and when they are payable), whether they can offer you access to the whole pension market or not. The Financial Conduct Authority has provided some information - including a video - on what to expect when taking advice, along with further questions you should consider asking your adviser. You can check if an adviser is regulated by using the Financial Services Register.
',\r\n tags: ['transfer', 'retirement'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'willQuotedTVChange',\r\n question: 'Will the transfer value quoted on my statement change?',\r\n answer: '
When you receive a transfer value statement, this will set out whether your transfer value is a guaranteed fixed amount or not and, if so, when the guarantee will expire.
',\r\n tags: ['transfer'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'keenToTransferHowLong',\r\n question: 'I am keen to transfer out as soon as possible – how long will it take?',\r\n answer:\r\n '
We aim to pay your transfer as soon as we are able, but this will depend - among other things - on when we receive all the relevant documents/information requested and how long it takes us to make all the necessary checks and arrange the payment. Some transfers take longer than others to process. Please see our ‘Transfer Process’ leaflet for further information about the transfer process and the timescales involved. You cannot take a transfer from your benefits if you are already in receipt of a pension from the {{fundOrScheme}}.
',\r\n tags: ['transfer'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'pensionScams',\r\n question: 'I have heard a lot about pension scams – can you tell me more?',\r\n answer:\r\n '
Pension scams are a concern and are on the rise. We recommend you read the Pensions Regulator’s leaflet on this found within the News section of the website to help you find out how pension scams work, how to avoid them and what to do if you suspect a scam. If you want to discuss this issue, MoneyHelper will also be able to help. Their details can be found on the Links section of the website.
',\r\n tags: ['transfer'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'keepUpToDate',\r\n question: 'How can I make sure I am up-to-date with information about the {{fundOrScheme}}?',\r\n answer: '
This website is the easiest way for you to access important information about the {{fundOrScheme}}. You do not need to register to access general {{fundOrScheme}} information.
',\r\n tags: ['general'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'doYouNeedMyPassport',\r\n question: 'If I retire or transfer, do I need to send you my passport or original certificates?',\r\n answer:\r\n '
If you live in the UK, we ask you to send in just photocopies of your passport or birth and marriage (or civil partnership) certificates. Initially we will attempt to use a secure online verification service to confirm your date of birth and identity, but we may need to request further information (which could include your original passport/certificates).
If your name has changed we will require formal evidence of any such change, such as a photocopy of your marriage certificate.
If you live overseas, we may need to see your original documents because we are unable to use the online verification service. But, in some cases we will accept copies if certified as a true copy by a solicitor, accountant, your doctor, or a bank provided they are appropriately stamped with their contact details. Copies certified by others (such as financial advisers) are not accepted.
If you do send us original certificates/documents we will return them to you promptly by a recorded or tracked delivery mail service.
',\r\n tags: ['transfer', 'retirement'],\r\n sort: 99,\r\n },\r\n\r\n {\r\n id: 'addressContactDetailsChanged',\r\n question: 'How do I update my address or contact details?',\r\n answer: '
You can inform us by logging into the My Pension section and changing your details online.
',\r\n tags: ['general'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'whatAboutStatePension',\r\n question: 'What about my State Pension?',\r\n answer:\r\n '
You may have an entitlement to a pension from the State. If you need any help with this, please contact the Pension Service (part of the Department for Work and Pensions) or MoneyHelper. Their contact details can be found on the Links page. Both should also be able to tell you more about the State Pension.
',\r\n tags: ['general'],\r\n sort: 99,\r\n },\r\n\r\n {\r\n id: 'howToComplain',\r\n question: 'What if I have a complaint?',\r\n answer: '
We endeavour to provide you with a high-quality service. If you have a complaint, please contact us using the details on the Contact Us page and we will try to resolve the matter as quickly as possible.
If your complaint is not resolved to your satisfaction, you may be able to pursue it though the {{fundOrScheme}}\\'s internal dispute resolution procedure (IDRP), which is a procedure used by the {{trusteeWording}} to resolve disputes involving members (or potential members/beneficiaries) of the {{fundOrScheme}}. You can ask for further details on the {{fundOrScheme}}\\'s IDRP using the details on the Contact Us page.
',\r\n tags: ['general'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'myBankDetailsHaveChanged',\r\n question: 'What should I do if I’m receiving a pension from the {{fundOrScheme}} and my bank details change?',\r\n answer:\r\n '
For security purposes, we will need bank account changes confirmed in writing whenever you want a pension paid into a different account. You can download a form to do this from the My Pension section of the website.
',\r\n tags: ['general'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'whatIsEOW',\r\n question: 'Notify us of a death / What is an Expression of Wish form?',\r\n answer:\r\n '
If a lump sum is payable from the {{fundOrScheme}} on your death, you should complete an Expression of Wish form to tell the {{trusteeWording}} who you would like to receive it. You should also consider completing a new form whenever your circumstances change. The {{trusteeWording}} will take your wishes into account when deciding how to pay any lump sum death benefits, but note an Expression of Wish form is not legally binding upon the {{trusteeWording}}.
If you have not already completed an Expression of Wish form or want to update one you have completed, you can download this form from the My Pension section of the website.
',\r\n tags: ['death'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'whatIsGMP',\r\n question: 'What is a GMP?',\r\n answer:\r\n '
If you were in pensionable service between 6 April 1978 and 5 April 1997 and were contracted-out of the State Earnings Related Pension Scheme (SERPS), GMP is the amount of pension the {{fundOrScheme}} has guaranteed to provide you with. GMP is meant to be broadly equivalent to the pension you would have earned in SERPS if you were not contracted out. It is subject to government regulations.
',\r\n tags: ['general'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'powerOfAttorney',\r\n question: 'What do I need to do if I have a Power of Attorney in place?',\r\n answer:\r\n '
If you have a Lasting or Enduring Power of Attorney then it is helpful for us to have a copy for our records, should we ever be contacted by your Attorney(s). The easiest way to provide us with the information that we need is to use the ‘Registering a Power of Attorney with us’ form, found on the Contact us page of the {{fundOrScheme}}\\'s website. In most cases we will only need a photocopy or image of the document. We will then check that it is registered with the Office of Public Guardian before taking instructions from your Attorney(s).
Attorneys will be able to ask us to do the same things as you can – for example amending your address or talking to us about your benefits. Please note that without a Power of Attorney document we cannot take instructions from, or discuss your benefits with, family members or anyone other than you.
If your power of attorney document is not in English, we ask you to provide a copy in the original language and a complete and accurate English translation that has been signed and stamped by an accredited translator.
',\r\n tags: ['general'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'howWillPensionIncrease',\r\n question: 'Will my pension increase in payment?',\r\n answer: \"
You may be able to find details of how your pension increases in payment in the {{fundOrScheme}} Information area of the website.
\",\r\n tags: ['pensionIncrease'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'pensionIntroVG',\r\n question: 'An introduction to your pension',\r\n answer:\r\n '',\r\n tags: ['videoGuide'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'pensionWorkVG',\r\n question: 'How does your pension work?',\r\n answer:\r\n '',\r\n tags: ['videoGuide'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'pensionPaidVG',\r\n question: 'How does your pension get paid?',\r\n answer:\r\n '',\r\n tags: ['videoGuide'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'pensionTransferVG',\r\n question: 'Transferring your pension',\r\n answer:\r\n '
The earliest someone can normally retire is from age 55. This is increasing to age 57 from April 2028 for most people. There may be circumstances where you are able to retire earlier, please Contact Us for more information
',\r\n tags: ['videoGuide'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'pensionExchangeVG',\r\n question: 'Exchanging part of your pension for a cash lump sum',\r\n answer:\r\n '',\r\n tags: ['videoGuide'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'pensionRetirementVG',\r\n question: 'Early or late retirement',\r\n answer:\r\n '
The earliest someone can normally retire is from age 55. This is increasing to age 57 from April 2028 for most people. There may be circumstances where you are able to retire earlier, please Contact Us for more information
',\r\n tags: ['videoGuide'],\r\n sort: 99,\r\n },\r\n {\r\n id: 'pensionScamVG',\r\n question: 'How to spot a pension scam',\r\n answer:\r\n '
The earliest someone can normally retire is from age 55. This is increasing to age 57 from April 2028 for most people. There may be circumstances where you are able to retire earlier, please Contact Us for more information
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