- Joining the BTRSS
Already in the BTRSS
- Are you going to have enough?
- Boost your pension
- Approaching retirement
- Leaving BT
- Payment options
- Your investment options
- Things to know about investing
- What are the charges?
- Check or change your investments
- Common questions
Asking to join
Can you join?
Even if you’re not automatically joined to the BTRSS, you can still choose to join a pension at any time if you are:
- Between 16 and 22 or between state pension age and 74, and you earn over £12,500 a year; or
- Between 16 and 74, and you earn between £6,136 and £12,500 a year
The only difference is that you won’t be automatically joined to the BTRSS. Instead, you’ll need to let BT know that you want to join a pension.
What you get if you join
You'll get payments from BT into your pension and tax benefits from the Government - so it’s not just you putting money towards your retirement.
Starting a pension is a solid way to save for the future - and the earlier you start the better. Even saving a small amount now can have a big impact on the amount you get when you retire - and when you’ll be able to stop working.
Joining the BTRSS
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.
This is where you will find specific details about BT’s company pension.
This document explains the features of the pension product your employer has chosen.
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.
Read this guide for more information on your investment options, including details about charges and fund codes.
Use this form to instruct Standard Life on payment of death benefits from the BTRSS.
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.