Joining – how it works for BT employees

If you've just joined BT (BT plc or Openreach Limited)

When you start working for BT you'll become a member of the BT Retirement Saving Scheme.

That means you’ll start to benefit from extra payments from BT and valuable tax benefits from HMRC - so it’s not just you putting money towards your retirement.

Find out the benefits and options of being joined automatically

If you've just transferred to BT under TUPE from EE

You’ll be automatically joined to the BTRSS, provided by Standard Life, if:

  • You are a member of the EE Pension Scheme on the day before your transfer to BT

Or you can answer yes to these questions.

  • Are you aged between 22 and state pension age? For someone retiring today, state pension age is 65
  • Are transferring to work for BT in the UK and earn over £10,000?
  • Do you usually work in the UK?

If you cannot answer yes to these questions, you can still ask to join the scheme.

Find out more

If you’ve just transferred to BT under TUPE

If you can say yes to these questions, then it's likely you’ll automatically become a member.

  • Are you aged between 22 and state pension age? For someone retiring today, state pension age is 65
  • Do you earn more than £10,000 a year before tax?
  • Do you usually work in the UK?

If you work for BT but aren’t in the BTRSS

If you haven’t been automatically enrolled or if you previously opted out of the BTRSS, you’ll need to apply if you wish to join a pension. You’ll either join the BTRSS or a different pension called NEST.

This is what will happen:

  1. You complete the form
  2. Your case will be assessed and you’ll be joined to the appropriate pension
  3. You’ll be sent your joining pack, which includes information about what to do if you change your mind

Find out more about asking to join

Important documents

To help you make an informed decision we've provided you with important information that you should read. You should print or save copies of these documents for future reference.

This short video provides you with useful information about the BTRSS.

Introduction to the BTRSS

This is where you will find specific details about BT’s company pension.

Plan summary document for BT employees (PDF, 81KB)

This document explains the features of the pension product your employer has chosen.

Key features document (PDF, 288KB)

This document gives you an illustration of what your pension could be worth for BT employees. It may not take into account rebates that may apply to your policy. You can find more information about the charges and rebates on the charges page.

Key features illustration for BT employees (PDF, 114KB)

Read this guide for more information on your investment options, including details about charges and fund codes.

How to choose the right investment options for your pension (PDF, 837KB)

Use this form to instruct Standard Life on payment of death benefits from the BTRSS.

Instruction for payment of death benefits (PDF, 77KB)

Read this guide, provided by BT, for more information about how SMART Pensions work. Standard Life is not responsible for the content of this guide.

SMART Pensions (PDF, 332KB)