http://www.legislation.gov.uk/ukpga/1993/48/contents/enacted

Pension Schemes Act 1993

Personal pensions

Benefits

Pensions

Insurance

Occupational pensions

King's Printer of Acts of Parliament

2021-08-03

Pension Schemes Act 1993

Pt. 4

Ch. 3

The Firefighters’ Pension Scheme (England) (Consequential Provisions) Regulations 2015

reg. 10

reg. 1(3)

Pension Schemes Act 1993

Pt. 4

Ch. 3

The Public Service (Civil Servants and Others) Pensions (Consequential and Amendment) Regulations 2015

reg. 10

reg. 1(3)

Pension Schemes Act 1993

s. 16(1)

The Occupational Pension Schemes (Schemes that were Contracted-out) Regulations 2015

reg. 31(3)

reg 1(2)(a)

Pension Schemes Act 1993

s. 16(1)

The Occupational Pension Schemes (Schemes that were Contracted-out) (No.2) Regulations 2015

reg. 30(3)

reg. 1(2)(b)

Pension Schemes Act 1993

s. 16(2)

(3)

The Occupational Pension Schemes (Schemes that were Contracted-out) Regulations 2015

reg. 31(3)

reg 1(2)(a)

Pension Schemes Act 1993

s. 16(2)

(3)

The Occupational Pension Schemes (Schemes that were Contracted-out) (No.2) Regulations 2015

reg. 30(3)

reg. 1(2)(b)

Pension Schemes Act 1993

s. 48A(2)

The Occupational Pension Schemes (Schemes that were Contracted-out) Regulations 2015

reg. 12(4)

reg 1(2)(a)

Pension Schemes Act 1993

s. 48A(2)

The Occupational Pension Schemes (Schemes that were Contracted-out) (No.2) Regulations 2015

reg. 12(4)

reg. 1(2)(b)

Pension Schemes Act 1993

s. 50

The Pensions Act 2014 (Savings) Order 2015

art. 2(1)

art. 2(2)(g)

art. 1(2)

(3)

Pension Schemes Act 1993

s. 55(2B)

The Occupational Pension Schemes (Schemes that were Contracted-out) Regulations 2015

reg. 10

reg 1(2)(a)

Pension Schemes Act 1993

s. 55(2B)

The Occupational Pension Schemes (Schemes that were Contracted-out) (No.2) Regulations 2015

reg. 10

reg. 1(2)(b)

Pension Schemes Act 1993

s. 57(2)

The Occupational Pension Schemes (Schemes that were Contracted-out) Regulations 2015

reg. 11

reg 1(2)(a)

Pension Schemes Act 1993

s. 57(2)

The Occupational Pension Schemes (Schemes that were Contracted-out) (No.2) Regulations 2015

reg. 11(1)

(2)

reg. 1(2)(b)

Pension Schemes Act 1993

s. 60

The Occupational Pension Schemes (Schemes that were Contracted-out) Regulations 2015

reg. 12(4)

reg 1(2)(a)

Pension Schemes Act 1993

s. 60

The Occupational Pension Schemes (Schemes that were Contracted-out) (No.2) Regulations 2015

reg. 12(4)

reg. 1(2)(b)

Pension Schemes Act 1993

s. 61(10)

The Occupational Pension Schemes (Schemes that were Contracted-out) Regulations 2015

reg. 13

reg 1(2)(a)

Pension Schemes Act 1993

s. 70(1)

Pension Schemes Act 2015

s. 39(3)(a)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 70(1)

Pension Schemes Act 2015

s. 39(3)(b)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 71(1)(aa)

Pension Schemes Act 2015

s. 39(2)(a)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 71(1A)

Pension Schemes Act 2015

s. 39(2)(b)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 71(7)-(10)

Pension Schemes Act 2015

s. 39(4)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 74(3)

Pension Schemes Act 2015

s. 39(5)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 74(4)

Pension Schemes Act 2015

s. 39(5)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 82A

Pension Schemes Act 2015

Sch. 1

para. 2

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 83(1A)-(1AC)

Pension Schemes Act 2015

Sch. 1

para. 3

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 83(4)(a)

Pension Schemes Act 2015

Sch. 2

para. 2

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 84-84F

Pension Schemes Act 2015

Sch. 1

para. 4

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 85A

Pension Schemes Act 2015

Sch. 1

para. 5

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 86A

86B

Pension Schemes Act 2015

Sch. 1

para. 6

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 101AB(3)

The Police Pensions (Consequential Provisions) (Scotland) Regulations 2015

reg. 13(2)(c)

reg. 5

reg. 1(3)

Pension Schemes Act 1993

s. 101AC(1)

The Police Pensions (Consequential Provisions) (Scotland) Regulations 2015

reg. 13(2)(c)

reg. 5

reg. 1(3)

Pension Schemes Act 1993

s. 101AC(2)(a)

The Police Pensions (Consequential Provisions) (Scotland) Regulations 2015

reg. 13(2)(c)

reg. 5

reg. 1(3)

Pension Schemes Act 1993

s. 101AI(7)

The Police Pensions (Consequential Provisions) (Scotland) Regulations 2015

reg. 13(2)(c)

reg. 5

reg. 1(3)

Pension Schemes Act 1993

s. 113(1)

Pension Schemes Act 2015

s. 38(2)(a)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 113(1)(ca)

Pension Schemes Act 2015

s. 38(2)(b)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 113(2)

Pension Schemes Act 2015

s. 38(3)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 113(4)

(4A)

Pension Schemes Act 2015

s. 38(5)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 113(5)

Pension Schemes Act 2015

s. 38(6)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 113(10)

Pension Schemes Act 2015

Sch. 2

para. 3

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 124(3A)

Pension Schemes Act 2015

Sch. 2

para. 4

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 181(1)

Pension Schemes Act 2015

Sch. 2

para. 5(2)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 181(1)

Pension Schemes Act 2015

Sch. 2

para. 5(3)

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 186(3)(ba)

Pension Schemes Act 2015

Sch. 1

para. 7

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

Sch. 3

para. 3A

Pension Schemes Act 2015

Sch. 1

para. 9

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

Sch. 3

para. 4

Pension Schemes Act 2015

Sch. 1

para. 9

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

Sch. 3

para. 5(1)

Pension Schemes Act 2015

Sch. 1

para. 10

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

Sch. 3 para. A1 and cross-heading

Pension Schemes Act 2015

Sch. 1

para. 8

s. 87

s. 89(4)(a)

Pension Schemes Act 1993

s. 8(2)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 1

Pension Schemes Act 1993

s. 12A-12D

The Occupational Pension Schemes (Cross-border Activities) Regulations 2005 (revoked)

reg. 16

Sch. 2

para. 5

reg. 1

Pension Schemes Act 1993

s. 12A(1)

s. 12A(2)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 2

Pension Schemes Act 1993

s. 12B(4)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 3

Pension Schemes Act 1993

s. 17(1)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(a)

Pension Schemes Act 1993

s. 17(2)(c)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(b)

Pension Schemes Act 1993

s. 17(4)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(c)

Pension Schemes Act 1993

s. 17(4)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(d)(i)

Pension Schemes Act 1993

s. 17(4)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(d)(ii)

Pension Schemes Act 1993

s. 17(4)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(d)(iii)

Pension Schemes Act 1993

s. 17(4)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(d)(iv)

Pension Schemes Act 1993

s. 17(4B)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(e)

Pension Schemes Act 1993

s. 17(6)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(f)

Pension Schemes Act 1993

s. 17(7)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(g)

Pension Schemes Act 1993

s. 17(8)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 4(h)

Pension Schemes Act 1993

s. 19(5)(a)(i)

(ii)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 5

Pension Schemes Act 1993

s. 20(6)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 6

Pension Schemes Act 1993

s. 21(2)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 7

Pension Schemes Act 1993

s. 23(3)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 8

Pension Schemes Act 1993

s. 28(3)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 9(a)

Pension Schemes Act 1993

s. 28(4B)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 9(b)

Pension Schemes Act 1993

s. 28(8)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 9(c)(i)

Pension Schemes Act 1993

s. 28(8)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 9(c)(ii)

Pension Schemes Act 1993

s. 28A(1)

(3)

s. 28A(5)(b)(ii)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 10

Pension Schemes Act 1993

s. 29(1)(b)

s. 29(3)(b)

(4)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 11

Pension Schemes Act 1993

s. 37(4)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 12

Pension Schemes Act 1993

s. 38(2)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 13(a)

Pension Schemes Act 1993

s. 38(2)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 13(b)

Pension Schemes Act 1993

s. 45B

The Occupational Pension Schemes (Cross-border Activities) Regulations 2005 (revoked)

reg. 16

Sch. 2

para. 5

reg. 1

Pension Schemes Act 1993

s. 47(1)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 14(a)

Pension Schemes Act 1993

s. 47(3)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 14(b)(i)

Pension Schemes Act 1993

s. 47(3)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 14(b)(ii)

Pension Schemes Act 1993

s. 48(2)(c)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 15

Pension Schemes Act 1993

s. 55(2A)(c)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 16

Pension Schemes Act 1993

s. 60

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 17

Pension Schemes Act 1993

s. 68A-68D

The Occupational Pension Schemes (Cross-border Activities) Regulations 2005 (revoked)

reg. 16

Sch. 2

para. 5

reg. 1

Pension Schemes Act 1993

s. 87(2)(c)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 18(a)

Pension Schemes Act 1993

s. 87(3)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 18(b)

Pension Schemes Act 1993

s. 87(3)(a)

s. 87(4)(d)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 18(c)

Pension Schemes Act 1993

s. 88(1)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 19

Pension Schemes Act 1993

s. 89(1)(a)

(b)

s. 89(2)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 20

Pension Schemes Act 1993

s. 90(2)(a)

(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 21

Pension Schemes Act 1993

s. 93A(1)-(3)

The Occupational Pension Schemes (Cross-border Activities) Regulations 2005 (revoked)

reg. 16

Sch. 2

para. 5

reg. 1

Pension Schemes Act 1993

s. 109(2)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 22

Pension Schemes Act 1993

s. 109(2)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 23

Pension Schemes Act 1993

s. 109(2)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 24(1)

Pension Schemes Act 1993

s. 109(2)(b)

The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order 2005

art. 2(1)

Sch. 1

para. 24(2)

Pension Schemes Act 1993

s. 34(1)(a)(ii)

Pensions Act 2004

Sch. 13

s. 322(1)

Pension Schemes Act 1993

s. 131(b)

Pensions Act 2004

Sch. 13

s. 322(1)

Pension Schemes Act 1993

s. 145(1A)-(1C)

Pensions Act 2004

Sch. 12

para. 23

s. 322(1)

Pension Schemes Act 1993

s. 146(6A)

Pensions Act 2004

Sch. 12

para. 24(b)

s. 322(1)

Pension Schemes Act 1993

s. 181(3)

Pensions Act 2004

Sch. 13

s. 322(1)

Pension Schemes Act 1993

s. 181(4)

Pensions Act 2004

Sch. 13

s. 322(1)

Pension Schemes Act 1993

Pt. 3

The Marriage (Same Sex Couples) Act 2013 (Consequential Provisions) Order 2014

Sch. 1

para. 18

art. 1(2)

Pension Schemes Act 1993

s. 48A

Pensions Act 2014

Sch. 13

para. 2

s. 56(4)

Pension Schemes Act 1993

s. 94(2A)(a)(viii)

Pensions Act 2014

Sch. 17

para. 20(2)(a)

s. 56(1)

Pension Schemes Act 1993

s. 94(2A)(b)(vi)

Pensions Act 2014

Sch. 17

para. 20(2)(b)

s. 56(1)

Pension Schemes Act 1993

s. 101AI(8)(a)(viii)

Pensions Act 2014

Sch. 17

para. 20(3)(a)

s. 56(1)

Pension Schemes Act 1993

s. 101AI(8)(b)(vi)

Pensions Act 2014

Sch. 17

para. 20(3)(b)

s. 56(1)

Pension Schemes Act 1993

s. 181A

Pensions Act 2014

Sch. 13

para. 2

s. 56(4)

Pension Schemes Act 1993

s. 20(3)

Pensions Act 2007

Sch. 4

para. 48

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 40(b)

Pensions Act 2007

Sch. 4

para. 50

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 42A

Pensions Act 2007

Sch. 4

para. 51

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 43

Pensions Act 2007

Sch. 4

para. 52

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 45

Pensions Act 2007

Sch. 4

para. 53

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 46(3)

Welfare Reform Act 2007

Sch. 8

s. 70(1)

Pension Schemes Act 1993

s. 50(4)

Pensions Act 2007

Sch. 4

para. 55

s. 30(2)(b)

Pension Schemes Act 1993

s. 164(2)(b)

Pensions Act 2007

Sch. 4

para. 56

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 177(2)(a)

Pensions Act 2007

Sch. 4

para. 57(2)(b)

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 177(2)(za)

Pensions Act 2007

Sch. 4

para. 57(2)(a)

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 177(7)(a)

Pensions Act 2007

Sch. 4

para. 57(3)

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 181(1)

Pensions Act 2007

Sch. 4

para. 58(2)

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

s. 181(4)

Pensions Act 2007

Sch. 4

para. 58(3)

Sch. 7

Pt. 7

s. 27(7)

30(2)(b)

Pension Schemes Act 1993

Sch. 8

para. 39

Welfare Reform Act 2007

Sch. 8

s. 70(1)

Pension Schemes Act 1993

s. 46A heading

Pensions Act 2011

Sch. 3

para. 11(b)

s. 38(4)

Pension Schemes Act 1993

s. 46(1A)

Pensions Act 2011

Sch. 3

para. 10

s. 38(4)

Pension Schemes Act 1993

s. 46A(1)(c)

Pensions Act 2011

Sch. 3

para. 11(a)

s. 38(4)

Pension Schemes Act 1993

s. 47 heading

Pensions Act 2008

Sch. 4

para. 17(2)

s. 149(1)

Pension Schemes Act 1993

s. 46(1A)

(1B)

Pensions Act 2008

s. 103(2)

s. 149(1)

Pension Schemes Act 1993

s. 46(6)

Pensions Act 2008

Sch. 4

para. 16(2)

s. 149(1)

Pension Schemes Act 1993

s. 47(2)

Pensions Act 2008

Sch. 4

para. 17(3)

s. 149(1)

Pension Schemes Act 1993

s. 47(3)

Pensions Act 2008

Sch. 4

para. 17(3)

s. 149(1)

Pension Schemes Act 1993

s. 47(5)

Pensions Act 2008

Sch. 4

para. 17(3)

s. 149(1)

Pension Schemes Act 1993

s. 47(6)

Pensions Act 2008

Sch. 4

para. 17(3)

s. 149(1)

Pension Schemes Act 1993

s. 47(7)

Pensions Act 2008

Sch. 4

para. 17(3)

s. 149(1)

Pension Schemes Act 1993

s. 47(8)

Pensions Act 2008

Sch. 4

para. 17(3)

s. 149(1)

Pension Schemes Act 1993

s. 47(9)

Pensions Act 2008

Sch. 4

para. 17(3)

s. 149(1)

Pension Schemes Act 1993

s. 48(2)

Pensions Act 2008

Sch. 4

para. 18

s. 149(1)

Pension Schemes Act 1993

s. 49(b)

Pensions Act 2008

Sch. 4

para. 19

s. 149(1)

Pension Schemes Act 1993

s. 164(5)

Pensions Act 2008

Sch. 4

para. 20

s. 149(1)

Pension Schemes Act 1993

s. 165(2)(b)

Pensions Act 2008

Sch. 4

para. 21

s. 149(1)

Pension Schemes Act 1993

s. 167(4)

Pensions Act 2008

Sch. 4

para. 22(1)

Sch. 4

para. 22(2)

s. 149(1)

Pension Schemes Act 1993

s. 175A

Pensions Act 2008

Sch. 10

para. 1

s. 149(1)

Pension Schemes Act 1993

s. 185(2)(c)

Pensions Act 2008

s. 103(4)

s. 149(1)

Pension Schemes Act 1993

s. 186(3)(za)

Pensions Act 2008

s. 103(5)

s. 149(1)

Pension Schemes Act 1993

s. 99(2)(b)

The Occupational and Personal Pension Schemes (Disclosure of Information) (Requirements to Refer Members to Guidance etc.) (Amendment) Regulations 2022

reg. 2(6)

reg. 1(2)

Pension Schemes Act 1993

s. 101J(1)(b)

The Occupational and Personal Pension Schemes (Disclosure of Information) (Requirements to Refer Members to Guidance etc.) (Amendment) Regulations 2022

reg. 2(6)

reg. 1(2)

Pension Schemes Act 1993

s. 16

The Occupational Pension Schemes and Social Security (Schemes that were Contracted-out and Graduated Retirement Benefit) (Miscellaneous Amendments) Regulations 2017

reg. 2

reg. 1(2)

Pension Schemes Act 1993

Pt. 3

The Pensions Act 2014 (Abolition of Contracting-out for Salary Related Pension Schemes) (Consequential Amendments and Savings) Order 2016

art. 4(8)-(12)

art. 5(1)

(2)

art. 1(2)

Pension Schemes Act 1993

s. 60

The Pensions Act 2014 (Contributions Equivalent Premium) (Consequential Provision) and (Savings) (Amendment) Order 2016

art. 4(2)

reg. 1(2)

Pension Schemes Act 1993

s. 8

The Local Government Pension Scheme (Scotland) Regulations 2018

reg. 49(8)

reg. 1(1)

Pension Schemes Act 1993

s. 185(2)(ca)

Financial Guidance and Claims Act 2018

s. 19(5)

s. 37(5)

Pension Schemes Act 1993

s. 84(1)

The Occupational and Personal Pension Schemes (Automatic Enrolment) Regulations 2010

reg. 37(3)

Pension Schemes Act 1993

Part IPreliminary

1Categories of pension schemes

Part IIAdministration

The Occupational Pensions Board

2Constitution and functions of the Board

3Membership of the Board

4Reports of the Board

5Further provisions as to constitution and procedure of the Board

Registration of schemes

6Registration of occupational and personal pension schemes

Part IIICertification of Pension Schemes and Effects on Members' State Scheme Rights and Duties

Chapter ICertification

Preliminary

7Issue of contracting-out and appropriate scheme certificates

8Meaning of “contracted-out employment”, “guaranteed minimum pension” and “minimum payment”

General requirements for certification

9Requirements for certification of schemes: general

10Protected rights and money purchase benefits

11Elections as to employments covered by contracting-out certificates

12Determination of basis on which scheme is contracted-out

Requirements for certification of occupational pension schemes providing guaranteed minimum pensions

13Minimum pensions for earners

14Earner’s guaranteed minimum

15Increase of guaranteed minimum where commencement of guaranteed minimum pension postponed

16Revaluation of earnings factors for purposes of s. 14: early leavers etc

17Minimum pensions for widows and widowers

18Treatment of insignificant amounts

19Discharge of liability where guaranteed minimum pensions secured by insurance policies or annuity contracts

20Transfer of accrued rights

21Commutation, surrender and forfeiture

22Financing of benefits

23Securing of benefits

24Sufficiency of resources

Discretionary requirements

25Power for Board to impose conditions as to investments and resources

Requirements for certification of occupational and personal money purchase schemes

26Persons who may establish scheme

27Identification and valuation of protected rights

28Ways of giving effect to protected rights

29The pension and annuity requirements

30Securing of liability for protected rights

31Investment and resources of schemes

32Suspension or forfeiture

33Tax requirements to prevail over certification requirements

Cancellation, variation, surrender and refusal of certificates

34Cancellation, variation, surrender and refusal of certificates

35Surrender and cancellation of contracting-out certificates: issue of further certificates

36Surrender and cancellation of contracting-out certificates: cancellation of further certificates

Alteration of scheme rules after certification

37Alteration of rules of contracted-out schemes

38Alteration of rules of appropriate schemes

General regulations as to administration of Part III

39General power to make regulations

Chapter IIReduction in state scheme contributions and Social Security benefits for members of certified schemes

Preliminary

40Scope of Chapter II

Reduced rates of state scheme Class 1 contributions

41Reduced rates of Class 1 contributions for earners in contracted-out employment

42Review and alteration of rates of contributions applicable under s. 41

Minimum contributions: members of appropriate personal pension schemes

43Payment of minimum contributions to personal pension schemes

44Earner’s chosen scheme

45Amount of minimum contributions

Effect of entitlement to guaranteed minimum pensions on payment of social security benefits

46Effect of entitlement to guaranteed minimum pensions on payment of social security benefits

47Further provisions concerning entitlement to guaranteed minimum pensions for the purposes of s. 46

48Reduced benefits where minimum payments or minimum contributions paid

Married women and widows

49Married women and widows

Chapter IIITermination of contracted-out or appropriate scheme status: state scheme premiums

Approval of arrangements for schemes ceasing to be certified

50Powers of Board to approve arrangements for scheme ceasing to be certified

51Calculation of guaranteed minimum pensions preserved under approved arrangements

Supervision of formerly certified schemes

52Supervision of schemes which have ceased to be certified

53Supervision: former contracted-out schemes

54Supervision: former appropriate personal pension schemes

State scheme premiums

55Payment of state scheme premiums on termination of certified status

56Provisions supplementary to s. 55

57Elections to pay contributions equivalent premiums

58Amount of premiums payable under s. 55

59Alternative basis for revaluation of earnings factors for calculation of certain premiums

60Effect of payment of premiums on rights

61Deduction of contributions equivalent premium from refund of scheme contributions

62No recovery of state scheme premiums from earners etc

63Further provisions concerning calculations relating to premiums

64Actuarial tables for purposes of calculations relating to premiums

65Inclusion of former and future earners for some purposes of this Chapter

66Power to apply certain provisions to widowers

67Non-payment of state scheme premiums

68Unpaid premiums: supplementary

Part IVProtection for early leavers

Chapter Ireservation of benefit under occupational schemes

69Scope of Chapter I: the preservation requirements

70Interpretation

71Basic principle as to short service benefit

72No discrimination between short service and long service beneficiaries

73Form of short service benefit and its alternatives

74Computation of short service benefit

75Credits

76Pension increases

77Assignment, surrender and commutation of benefit

78Forfeiture, etc

79Charges, liens and set-offs

80Power to modify ss. 77 to 79 as respects alternative benefits

81Discharge of liability where short service or alternative benefits secured by insurance policies or annuity contracts

82Supplementary regulations

Chapter IIRevaluation of accrued benefits (excluding guaranteed minimum pensions)

83Scope of Chapter II

84Basis of revaluation

85Revaluation not to apply to substituted benefit

86Supplementary provisions

Chapter IIIProtection of increases in guaranteed minimum pensions (“anti-franking”)

87General protection principle

88The relevant sum

89The appropriate addition

90The later earnings addition

91Special provision where employment continues after it ceases to be contracted-out by reference to scheme

92Supplementary provisions

Chapter IVTransfer values

93Scope of Chapter IV

94Right to cash equivalent

95Ways of taking right to cash equivalent

96Further provisions concerning exercise of option under s. 95

97Calculation of cash equivalents

98Variation and loss of rights under s. 94

99Trustees' duties after exercise of option

100Withdrawal of applications

101Supplementary provisions

Part VAnnual Increases of Pensions in Payment

Chapter IPensions under Final Salary Schemes etc.

102Scope of Chapter I: annual increase of certain occupational pensions

103Annual increase of later service component

104Annual increase of earlier service component where scheme is in surplus

105Proportional increase where first period is less than 12 months

106Restriction on increase where member is under 55

107Application of Chapter I to pensions not attributable to pensionable service

108No payments to employers from non-complying schemes

Chapter IIGuaranteed minimum pensions

109Annual increase of guaranteed minimum pensions

110Requirement as to resources for annual increase of guaranteed minimum pensions

Part VIFurther Requirements for Protection of Scheme Members

111Voluntary contributions

112Restrictions on investment of scheme’s resources in employer-related assets

113Disclosure of information about schemes to members etc

114Additional documents for members etc. and Registrar

115Powers as respects failure to comply with information requirements

116Regulations as to auditors

117Regulations as to form and content of advertisements

118Equal access requirements

Part VIIInsolvency of employers

Chapter IIndependent trustees

119Requirement for independent trustee where employer becomes insolvent etc

120Members' powers to apply to court to enforce duty under s. 119

121Further provisions as to appointment and powers of independent trustees

122Duty of insolvency practitioner or official receiver to give information to scheme trustees

Chapter IIPayment by Secretary of State of unpaid scheme contributions

123Interpretation of Chapter II

124Duty of Secretary of State to pay unpaid contributions to schemes

125Certification of amounts payable under s. 124 by insolvency officers

126Complaint to industrial tribunal

127Transfer to Secretary of State of rights and remedies

Chapter IIIPriority in bankruptcy

128Priority in bankruptcy etc

Part VIIIRelationship between requirements and scheme rules

129Overriding requirements

130Extra-statutory benefits

131Relationship of preservation requirements and scheme rules

132Duty to bring schemes into conformity with indirectly-applying requirements

133Advice of the Board as to conformity of schemes with requirements

134Determination of questions whether schemes conform with requirements

135Persons competent to make applications under s. 134

Part IXModification and winding up of schemes

Modification

136Applications to the Board to modify schemes (other than public service schemes)

137Persons competent to make applications under s. 136

138Further provisions concerning the Board’s powers under s. 136

139Other functions of the Board as respects modification of schemes

140Effect of orders under ss. 136 and 139

141Modification of public service schemes

Winding up

142Powers of the Board to wind up schemes

143Winding up of public service schemes

144Deficiencies in the assets of a scheme on winding up

Part XInvestigations: the Pensions Ombudsman

145The Pensions Ombudsman

146Functions of the Pensions Ombudsman

147Death, insolvency or disability of authorised complainant

148Staying court proceedings where a complaint is made or a dispute is referred

149Procedure on an investigation

150Investigations: further provisions

151Determinations of the Pensions Ombudsman

152Power to make special county court rules

Part XIGeneral and miscellaneous provisions

Modification powers

153Power to modify certain provisions of this Act

154Application of enactments as respects personal pension schemes

Information about schemes

155Requirement to give information to the Secretary of State or the Board for the purposes of certain provisions

156Information as to guaranteed minimum pensions

157Power of Secretary of State to obtain information in connection with applications under s. 124

158Disclosure of information between government departments etc

Avoidance of certain transactions and provisions

159Inalienability of guaranteed minimum pension and protected rights payments

160Terms of contracts of service or schemes restricting choice to be void

161Provisions excluding Chapter II of Part VII to be void

162Removal of restrictions on friendly societies' pension business

163Exemption of certain schemes from rule against perpetuities

Special classes of earner

164Crown employment

165Application of certain provisions to cases with foreign element

Reciprocity with other countries

166Reciprocity with other countries

Application of provisions relating to social security administration

167Application of general provisions relating to administration of social security

General provisions as to offences

168Breach of regulations

169Offences by bodies corporate

General provisions as to determinations and appeals

170Determination of questions by Secretary of State

171Questions arising in proceedings

172Review of the Board’s determinations

173References and appeals from the Board

Financial provisions

174Grants by the Board to advisory bodies etc

175Levies towards meeting certain costs and grants

176Fees for official services to schemes

177General financial arrangements

Part XIISupplementary Provisions

Interpretation

178Trustees and managers of schemes

179Linked qualifying service

180Normal pension age

181General interpretation

Subordinate legislation etc.

182Orders and regulations (general provisions)

183Sub-delegation

184Consultation with Social Security Advisory Committee about regulations under s. 36(6)

185Consultations about other regulations

186Parliamentary control of orders and regulations

187Northern Ireland Constitution Act 1973: “reserved matters”

Supplemental provisions

188Repeals

189Transitional provisions and savings

190Prospective and consequential amendments

191Transitory modifications

192Extent

193Short title and commencement

SCHEDULES

SCHEDULE 1The Occupational Pensions Board

Introductory

1The following provisions of this Schedule shall have effect as...

Membership

2Subject to the following provisions, a person shall hold and...

3A person may at any time resign office as chairman,...

4(1) If a member of the Board becomes or ceases...

5(1) If the Secretary of State is satisfied that a...

Expenses, remuneration, etc. of members

6The expenses of the Board, to such an amount as...

7There may be paid as part of the expenses of...

8The Secretary of State may with the consent of the...

9Where— (a) a person ceases to be a member of...

Procedure

10(1) The Secretary of State may make regulations generally as...

11Subject to regulations made by the Secretary of State under...

Proceedings

12The quorum of the Board and the arrangements relating to...

13The validity of the proceedings of the Board shall not...

14(1) Where the Board give a decision on any matter...

Staff etc.

15(1) The Secretary of State may make available to the...

Fees

16Regulations made by the Secretary of State may authorise the...

Instruments and contracts

17The fixing of the common seal of the Board shall...

18A document purporting to be duly executed under the seal...

SCHEDULE 2Certification Regulations

Part IOccupational Pension Schemes

General regulations: beginning and ending of employment

1(1) In relation to employments which are or at any...

2(1) Subject to sub-paragraph (2), regulations may enable the Board...

3Provision may be made by regulations for requiring an employer...

Power to modify Part III etc.

4(1) Regulations may modify the provisions of Part III (other...

State scheme premiums

5(1) Regulations may make provision for requiring persons to furnish...

Schemes covering different employers

6(1) Regulations may modify Chapters I and III of Part...

Special provisions for certain public service pension schemes

7(1) This paragraph applies to the following classes of employments,...

Incidental matters

8Regulations may make provision— (a) for any incidental matters connected...

Part IIPersonal Pension Schemes

9(1) Subject to the following provisions, paragraph 5 applies in...

SCHEDULE 3Methods of revaluing accrued pension benefits

The final salary method

1(1) The final salary method is to add to the...

The revaluation percentage and the appropriate revaluation percentage

2(1) For the purposes of paragraph 1 the Secretary of...

The average salary method

3(1) The average salary method is to revalue the member’s...

The flat rate method

4The flat rate method is to revalue the benefits which...

The money purchase method

5(1) Subject to sub-paragraphs (2) and (3), the money purchase...

SCHEDULE 4Priority in Bankruptcy etc

Earner’s contributions to occupational pension scheme

1This Schedule applies to any sum owed on account of...

Employer’s contributions to occupational pension scheme

2(1) This Schedule applies to any sum owed on account...

State scheme premiums

3(1) This Schedule applies to any sum owed on account...

Interpretation

4(1) In this Schedule— (a) in its application in England...

SCHEDULE 5Repeals

Part IGeneral

Part IIProvisions relating to equal access

Part IIIProvisions repealed as respects Great Britain only

Part IVSubordinate legislation revoked

SCHEDULE 6Transitional Provisions and Savings

Part IGeneral Provisions

1In this Schedule “the repealed enactments” means the enactments repealed...

2(1) The substitution of this Act for the repealed enactments...

3Where— (a) this Act repeals an enactment relating to the...

4(1) The repeal or revocation by this Act of an...

5The repeal or revocation by this Act of an enactment...

6Any document made, served or issued after this Act comes...

Part IISpecific Provisions

Contracting-out requirements for schemes providing guaranteed minimum pensions

7An occupational pension scheme which— (a) at any time before...

8Any document the contents of which are in terms corresponding...

9The requirement of the Social Security Pensions Act 1975 that...

10(1) Where in the tax year 1989-90 the trustees or...

Overriding effect of certain requirements for existing contracted-out and appropriate schemes

11(1) Subject to sub-paragraph (2), if immediately before paragraph 7...

12If immediately before 13th July 1990— (a) there was in...

Transactions discharging trustees

13Without prejudice to section 16 of the Interpretation Act 1978—...

Contributions equivalent premiums: earnings before 1987-88

14(1) Where an earner’s earnings paid in any period before...

Preservation

15Without prejudice to paragraph 3, in any case where—

Anti-franking

16(1) If before 21st July 1989 an earner ceased to...

Modifications in consequence of enactment of Part I of the Social Security Act 1986

17(1) Regulations may provide that any provision of this Act...

Savings for statutory instruments

18The repeal by this Act of section 26 of the...

19The repeal of subsection (2) of section 17A of the...

Provisions contained in this Act by virtue of statutory instruments

20Without prejudice to any express provision in this Act, where...

Saving for application of general provisions relating to social security

21The repeals made by this Act do not affect the...

Saving for section 7 of the Social Security Act 1986

22The repeal by this Act of section 7 of the...

SCHEDULE 7Re-enactment or amendment of certain provisions not in force

The Equal Pay Act 1970 (c. 41)

1In section 6(1A)(a) of the Equal Pay Act 1970 for...

The Social Security Act 1989 (c. 24)

2In Schedule 5 to the Social Security Act 1989—

This Act

3The following provisions of this Act shall cease to have...

SCHEDULE 8Consequential Amendments

The Parliamentary Commissioner Act 1967 (c. 13)

1In paragraph 10 of Schedule 1 to the Parliamentary Commissioner...

The Administration of Justice Act 1970 (c. 31)

2In paragraph 3 of Schedule 4 to the Administration of...

The Equal Pay Act 1970 (c. 41)

3In section 6(1A)(a) of the Equal Pay Act 1970—

The Attachment of Earnings Act 1971 (c. 32)

4In section 24(2) of and paragraph 3 of Schedule 2...

The Pensions (Increase) Act 1971 (c. 56)

5In section 17(1) of the Pensions (Increase) Act 1971, in...

The Superannuation Act 1972 (c. 11)

6In section 1(9) of the Superannuation Act 1972, in the...

7In sections 9(6) and 10(6) of that Act, in the...

8In section 13(15), in the definition of “judicial pension scheme”,...

The Social Security Pensions Act 1975 (c. 60)

9(1) In section 59 of the Social Security Pensions Act...

The Rent Act 1977 (c. 42)

10In section 653(3) of the Rent Act 1977 for the...

The Employment Protection (Consolidation) Act 1978 (c. 44)

11(1) In section 11(4)(b) of the Employment Protection (Consolidation) Act...

The Justices of the Peace Act 1979 (c. 55)

12In sections 55(2)(b)(ii) and 58(2)(ii) of the Justices of the...

The Judicial Pensions Act 1981 (c. 20)

13In section 33A(9) of the Judicial Pensions Act 1981—

14In Schedule 1A to that Act— (a) in paragraph 1...

The Forfeiture Act 1982 (c. 34)

15In the definition of “relevant enactment” in section 4(5) of...

The Companies Act 1985 (c. 6)

16In Schedule 2 to the Companies Act 1985—

The Bankruptcy (Scotland) Act 1985 (c. 66)

17In paragraph 4 of Schedule 3 to the Bankruptcy (Scotland)...

The Insolvency Act 1986 (c. 45)

18In section 386(3) of and paragraph 8 of Schedule 6...

The Coal Industry Act 1987 (c. 3)

19In section 7 of the Coal Industry Act 1987 for...

The Income and Corporation Taxes Act 1988 (c. 1)

20(1) In section 464(5)(b) of the Income and Corporation Taxes...

The Official Secrets Act 1989 (c. 6)

21In paragraph 4 of Schedule 1 to the Official Secrets...

The Finance Act 1989 (c. 26)

22In paragraph 11(2)(b) of Schedule 7 to the Finance Act...

The Electricity Act 1989 (c. 29)

23In paragraph 5(1) of Schedule 14 and in paragraph 5(1)...

The Social Security Administration Act 1992 (c. 5)

24In section 3(1)(c)(ii) of the Social Security Administration Act 1992...

25At the end of section 70(3) of that Act there...

26In section 110(8) of that Act for paragraphs (d) and...

27In section 148(7) of that Act for the words “section...

28In section 150 of that Act— (a) in subsection (1)(e),...

29In section 151 of that Act— (a) in subsection (4),...

30In section 155(7) of that Act, for the words “the...

31In section 191 of that Act— (a) the following definitions...

The Social Security Contributions and Benefits Act 1992 (c. 4)

32In section 1(3) of the Social Security Contributions and Benefits...

33In section 8(1) of that Act for the words “section...

34In section 9(4) of that Act for the words “section...

35In section 20(3) of that Act for the words from...

36In section 23(2) of that Act after the words “the...

37In section 34(5) of that Act for the words “section...

38In section 44(8) of that Act for the words “section...

39In section 47(3) of that Act for the words “section...

40In section 50(2) of that Act for the words “section...

41In section 174 of that Act, in the definition of...

42In Schedule 5 to that Act— (a) in paragraph 2(6)...

43In paragraph 3 of Schedule 7 to that Act—

The Tribunals and Inquiries Act 1992 (c. 53)

44In the Tribunals and Inquiries Act 1992—

The Social Security Act 1993 (c. 3)

45In section 2(4)(b) of the Social Security Act 1993—

The Judicial Pensions and Retirement Act 1993 (c. 8)

46(1) In section 10(8) of the Judicial Pensions and Retirement...

SCHEDULE 9Transitory Modifications

1(1) If— (a) no date has been appointed as the...

Rule against perpetuities

2In section 163, subsection (9) shall be omitted.

Limited price indexation

3(1) Sections 102 to 107 shall have effect only for...

Guaranteed minimum for married women and widows paying reduced rate contributions

4(1) In section 13(2)(a), the words from “and does” onwards...

5In section 111, subsection (3) shall be omitted.

Friendly societies

6In section 162(4)(c)(i), for the words “section 65A” there shall...

Judicial pensions

7(1) In section 146, subsection (3) shall be omitted.

TABLE OF DERIVATIONS

1Notes:

2The following abbreviations are used in the Table:— Acts of...

3The abbreviation “Law Com Rec No.” followed by a number...

4The entry “drafting” indicates a provision of a mechanical or...

5The Table does not show the effect of transfer of...

6The Table does not show the effect of the saving...

Pension Schemes Act 1993

1993 Chapter 48

An Act to consolidate certain enactments relating to pension schemes with amendments to give effect to recommendations of the Law Commission and the Scottish Law Commission.

[5th November 1993]

Be it enacted by the Queen’s most Excellent Majesty, by and with the advice and consent of the Lords Spiritual and Temporal, and Commons, in this present Parliament assembled, and by the authority of the same, as follows:—