Welcome to the area of the website for pensioners who are members of the ICI Section of the Fund
As a pensioner, you are currently receiving a pension from the ICI Pension Fund (the Fund).
View your pension online
You can see details of your pension online through electronic pensions administration (ePA). On ePA you can view your:
Log into ePA
- pension payments and tax details and;
- P60 information (annual tax information).
You should be able to access this information about your benefits, all day, every day, without having to speak to the Helpline.
You will have been sent a personal User ID and password, which you will need to access ePA.
If you have lost or forgotten your User ID or password, please contact ICI Pensions Services.
Find out more about what you can do on ePA by downloading the ePA guide.
Your pension is split into different elements, which increase at different rates, depending upon whether you have reached your Guaranteed Minimum Pension (GMP) age of 60 (for women) or 65 (for men).
Your pension (excluding the GMP and the State Pension Element) will increase by the lower of 5% a year, or the rise in line with the Retail Prices Index (RPI) over a particular period.
You will be sent a letter each November detailing your pension increases.
You can read more about pension increases in the Member handbook and in the Frequently Asked Questions.
Keeping us up to date
Keeping us up to date with any changes to your personal circumstances helps us pay you and your dependants the right benefits. It also means that should anything happen to you, your wishes are understood by the Trustee.
You should contact us if you:
- change your name – complete the Change of personal details form and provide relevant official documentation supporting your change of name (e.g. original marriage certificate, certificate of civil partnership or deed poll documentation – these will be returned to you by special delivery).
- change your marital or civil partnership status – complete the Change of personal details form and provide your original marriage certificate, certificate of civil partnership or decree absolute (this will be returned to you by special delivery). Your marital status will only be changed once ICI Pensions Services see an original copy of your certificate.
Once you’ve completed any forms, please return a signed, hard copy by post to ICI Pensions Services.
The Trustee takes the security of your personal information very seriously. Therefore we require any changes to your personal details to be made in writing with your signature to help protect you from fraud. Please note the ICI Pensions Services team will never ask you to confirm changes to your personal information over the phone or by email.
What happens to your pension if your marriage or civil partnership dissolve?
If you are a member whose marriage or civil partnership is being dissolved, your pension settlements and entitlements are generally handled through the courts. The following steps normally happen in relation to your pension:
- You should ask ICI Pensions Services for a transfer value, which shows what benefits you’re entitled to from the Fund at that point. You can provide this transfer value to the court.
- The court will determine the proportion of pension benefits, if any, that will be awarded to your ex-spouse or ex-civil partner. This is detailed in a Court Order.
Note: the Trustee cannot take into account any interim or informal financial arrangements in respect of your pension benefits that are not detailed in a Court Order.
- You should send the Court Order to ICI Pensions Services.
- ICI Pensions Services will act upon the Court Order instruction and liaise with your ex-spouse or ex-civil partner about their proportion of the benefits.
- ICI Pensions Services will then provide you with details of your new entitlement from the Fund.
Note: there are administration charges for carrying out this process – ask for a copy of charges from ICI Pensions Services.
Benefits payable on your death
Planning for what happens to your pension benefits in the event of your death is not something many of us like to think about. However, you should think about the benefits payable so that your wishes can be carried out.
If you die while you are a pensioner, the benefits that may be payable can include:
- a spouse’s or civil partner’s pension; and
- in some instances, children’s pensions.
Points to note about benefits that may be payable on the death of a member:
- If you are married or in a civil partnership at the time of your death, your spouse or civil partner will usually be entitled to a pension based on your pension entitlement.
- Any pension payable to your spouse or civil partner at the time of your death may be reduced at the discretion of the Trustee if:
- your spouse or civil partner is more than 15 years younger than you;
- you married or entered into a civil partnership, while receiving your pension, less than six months before your death; or
- you married or entered into a civil partnership, while receiving your pension, to a spouse or civil partner who is more than 10 years younger than you.
- Dependant children will automatically be considered for a pension on your death.
- If you are not married or in a civil partnership but have a partner, or someone who is financially dependent on you, they may still be able to obtain a nominated dependant’s pension. However, this is not payable automatically and will depend on the particular circumstances and is subject to Trustee discretion. The Trustee will also refer to the information provided on the completed Nominated Dependant’s pension – Nomination form
Note: Benefits payable on your death can vary and there may be other circumstances where the benefits that your spouse/dependant/beneficiary receives are different to those described above.
If you are a relative or a representative of a deceased member, please click here for more information.
Further information on your pension benefits is available in your Members’ handbook.