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Deferred Members
If you have left Bridon service but not yet started drawing your pension. Estimate your retirement income, update your details, and access Scheme documents.
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Pensioners
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All Documents
Browse the library of Scheme documents — annual reports, Scheme rules, member guides, and policy statements.
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Your Scheme is administered by Spence & Partners — pension specialists supporting members like you every day.
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130 Dedicated team members
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7 UK locations
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25 Years in business
The latest
Latest news.
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Jul 2026 Pension increases Minimum retirement age to increase The Normal Minimum Pension Age (NMPA) will increase from 55 to 57, effective from 6th April 2028. This change means that most pension savers will need to wait until they are 57 before they can access their pension benefits without incurring an unauthorised payments tax charge, unless they are retiring…
Published
July 2026
Summary
The Normal Minimum Pension Age (NMPA) will increase from 55 to 57, effective from 6th April 2028. This change means that most pension savers will need to wait until they are 57 before they can access their pension benefits without incurring an unauthorised payments tax charge, unless they are retiring…The Normal Minimum Pension Age (NMPA) will increase from 55 to 57, effective from 6th April 2028. This change means that most pension savers will need to wait until they are 57 before they can access their pension benefits without incurring an unauthorised payments tax charge, unless they are retiring due to ill-health.
There are some exceptions to this rule, such as members of some public service schemes or those individuals who have a protected pension age, who will still be able to access their pensions at the earlier age specified in their pension arrangement.
The aim of this change is to keep the minimum retirement age at around 10 years below the State Pension Age, which is due to rise gradually from 66 to 67 between 2026 and 2028.
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Jul 2026 Inheritance tax Inheritance Tax on Pensions For deaths on or after 6 April 2027, most pension death benefits will be potentially subject to Inheritance Tax (IHT). The main exemptions are death benefits which can only be paid as: Pension beneficiaries and personal representatives will be able to require pension scheme administrators to pay any inheritance tax…
Published
July 2026
Summary
For deaths on or after 6 April 2027, most pension death benefits will be potentially subject to Inheritance Tax (IHT). The main exemptions are death benefits which can only be paid as: Pension beneficiaries and personal representatives will be able to require pension scheme administrators to pay any inheritance tax…For deaths on or after 6 April 2027, most pension death benefits will be potentially subject to Inheritance Tax (IHT). The main exemptions are death benefits which can only be paid as:
- Joint life annuities,
- Dependant’s scheme pension (including if trivially commuted), or
- Death in service benefits.
Pension beneficiaries and personal representatives will be able to require pension scheme administrators to pay any inheritance tax due directly to HMRC. Personal representatives and prospective personal representatives will also be able to require pension scheme administrators to hold back up to 50% of a beneficiary’s payment for up to 15 months to cover any potential inheritance tax liability.
Pension scheme administrators will have additional responsibilities, including:
- Providing personal representatives with the pension value within four weeks of death notification.
- Once beneficiaries have been determined, inform the personal representatives of the split between exempt and non-exempt beneficiaries.
- If an inheritance tax account is required, supply the beneficiary’s identity details and confirm benefit values.
- Provide the beneficiaries with information and support to make informed decisions.
- If the beneficiaries request, pay the beneficiaries’ inheritance tax to HMRC and issue an inheritance tax certificate to the beneficiary.
In terms of next steps, HMRC will develop reporting and payment processes and issue further guidance/tools for schemes before April 2027. In the meantime, the Trustee will monitor developments and prepare any internal processes as necessary.
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Jun 2026 Scheme updates Data Use and Access Act 2025 (DUAA) The Data Use and Access Act 2025 (DUAA) introduces a new requirement for Data Controllers (Trustees and Scheme Actuaries) to have a clear and accessible complaints handling process for individuals who wish to raise concerns about the use of their personal data. From 19 June 2026, Data Controllers must be able to demonstrate that:…
Published
June 2026
Summary
The Data Use and Access Act 2025 (DUAA) introduces a new requirement for Data Controllers (Trustees and Scheme Actuaries) to have a clear and accessible complaints handling process for individuals who wish to raise concerns about the use of their personal data. From 19 June 2026, Data Controllers must be able to demonstrate that:…The Data Use and Access Act 2025 (DUAA) introduces a new requirement for Data Controllers (Trustees and Scheme Actuaries) to have a clear and accessible complaints handling process for individuals who wish to raise concerns about the use of their personal data.
From 19 June 2026, Data Controllers must be able to demonstrate that:
- members are informed of how to complain and data protection matters; and
- complaints are handled through a documented, accessible process.
We recently reviewed the Scheme’s Privacy Notice to ensure compliance with the new requirements and this was updated where necessary. You can access the Privacy Notice here.
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Feb 2025 Scheme updates Pensions Dashboards update The Pensions Dashboards Programme is developing an online framework to enable savers to keep track of all their pension savings in one place. All schemes must connect by 31 October 2026. Once the framework is in place, the expectation is that multiple providers will connect to it. This will potentially…
Published
February 2025
Summary
The Pensions Dashboards Programme is developing an online framework to enable savers to keep track of all their pension savings in one place. All schemes must connect by 31 October 2026. Once the framework is in place, the expectation is that multiple providers will connect to it. This will potentially…The Pensions Dashboards Programme is developing an online framework to enable savers to keep track of all their pension savings in one place. All schemes must connect by 31 October 2026.
Once the framework is in place, the expectation is that multiple providers will connect to it. This will potentially give consumers a choice of where to go to monitor their savings. Providers are likely to include government-backed services such as MoneyHelper, pension providers and banks.
We will keep you updated on progress.
For more information, please click here: www.pensionsdashboardsprogramme.org.uk
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Sep 2024 Member services Retirement Living Standards The Pensions and Lifetime Savings Association (PLSA) has published updated figures for its Retirement Living Standards to reflect the increases in cost of living over the last year. The latest increases reflect the strong effects of rising prices in what’s needed to meet the cost of food and energy, as…
Published
September 2024
Summary
The Pensions and Lifetime Savings Association (PLSA) has published updated figures for its Retirement Living Standards to reflect the increases in cost of living over the last year. The latest increases reflect the strong effects of rising prices in what’s needed to meet the cost of food and energy, as…The Pensions and Lifetime Savings Association (PLSA) has published updated figures for its Retirement Living Standards to reflect the increases in cost of living over the last year. The latest increases reflect the strong effects of rising prices in what’s needed to meet the cost of food and energy, as well as a change in priorities for retired people following the COVID-19 pandemic.
The PLSA estimates that the annual cost of a minimum lifestyle increased by around 12% to £14,400 for a single person and to £22,400 for a couple; the moderate level saw the biggest increases, rising to £31,300 for a single retiree and to £43,100 for a couple; and at the comfortable level the cost of living increased to £43,100 for individuals and £59,000 for couples. There are separate, slightly higher figures for London.
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Feb 2024 Member services Member Roadshows During November, Susan Anyan (Chair of the Trustee) and Ian Emery (Pension Manager who works at Aon) attended the Doncaster and Willington Quay sites to deliver pension roadshows. Employees who are deferred members of the Scheme were given the opportunity to attend a seminar and book a one-to-one session to…
Published
February 2024
Summary
During November, Susan Anyan (Chair of the Trustee) and Ian Emery (Pension Manager who works at Aon) attended the Doncaster and Willington Quay sites to deliver pension roadshows. Employees who are deferred members of the Scheme were given the opportunity to attend a seminar and book a one-to-one session to…During November, Susan Anyan (Chair of the Trustee) and Ian Emery (Pension Manager who works at Aon) attended the Doncaster and Willington Quay sites to deliver pension roadshows.
Employees who are deferred members of the Scheme were given the opportunity to attend a seminar and book a one-to-one session to discuss pension matters.
The sessions were very well received, and we hope to repeat them again soon and also invite deferred members who have left Bridon.
If you are not currently employed at Bridon but would be interested in attending a pension roadshow in the future, please contact Ian Emery ([email protected] or 0121 262 5057).
- Newsletter (Winter 2025) Published: Winter 2025
- Scheme Booklet Published: December 2015
- Annual Report & Accounts (2024) As at year end 31 December 2024
- Trust Deed and Rules – Definitive Rules Published: June 2013
- Trust Deed and Rules – Definitive Deed Published: April 2013
- Deed of Amendment (2021) Published: May 2021
News update
Helpdesk open · 9:00–17:00 Mon–Fri
Talk to us.
Reach the Scheme administrator, Spence, directly. We’re here to help and answer any question you might have.
- Phone 028 9521 0107
- Email [email protected]
Common questions
Frequently asked.
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How do I contact the Scheme?
You can reach the Scheme through the pension helpdesk, run by the Scheme administrator. Email [email protected] or use the form on our Contact page.
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Who is the Trustee of the Scheme?
Capital Cranfield Pension Trustees Limited has been the sole Trustee of the Scheme since January 2023. The Trustee is responsible for ensuring that the Scheme is administered in accordance with pension legislation and the Scheme rules. You can read more on our Trustee page.
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Who administers the Scheme?
The Scheme is administered by Spence & Partners. They handle day-to-day queries, calculate and pay benefits, and keep your records up to date. Most questions about your pension can be answered by the helpdesk.
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How do I access my pension online?
Use My Pocket Pension, the Scheme’s online portal. You can view your details, run retirement estimates, and find Scheme documents at any time. Select the My Pocket Pension button at the top of the page to log in.
The My Pocket Pension app will be available from 1st September 2026. In the meantime, you can contact the administrator directly via the contact form.
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How do I update my personal details?
Log into My Pocket Pension and open the “My details” section to change your address, phone number or email. If you would rather talk to an administrator about any changes, you can contact them directly – contact form
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How much is my pension worth?
You can view information about your pension through My Pocket Pension. If you require additional information, please contact the administrator.
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When can I take my pension?
The age at which you can take your benefits depends on the Scheme rules and your individual circumstances. Please contact the administrator if you are considering retirement.
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What happens to my pension if I move house?
It is important to keep your contact details up to date so we can continue to pay your pension and provide important Scheme communications.
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Can I transfer my pension benefits?
Depending on your circumstances, you may be able to transfer your benefits to another registered pension arrangement. Please contact the administrator for more information.
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How is my personal data used?
The Scheme needs to hold and process personal information in order to administer your benefits. Further information is available in the Scheme’s Privacy Notice.
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Where can I find Scheme documents?
Important documents such as newsletters, member booklets and notices are available through My Pocket Pension and also here on the Scheme documents page.
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How do I make a complaint?
If you have a complaint about the administration of your benefits, please contact the administrator in the first instance. Information about the Scheme’s Internal Dispute Resolution Procedure (IDRP) is available here on the Scheme documents page.