FAQs

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.

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.

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.

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.

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

You can view information about your pension through My Pocket Pension. If you require additional information, please contact the administrator.

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.

It is important to keep your contact details up to date so we can continue to pay your pension and provide important Scheme communications.

Depending on your circumstances, you may be able to transfer your benefits to another registered pension arrangement. Please contact the administrator for more information.

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.

Important documents such as newsletters, member booklets and notices are available through My Pocket Pension and also here on the Scheme documents page.

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.

A deferred pension is the pension you built up at Bridon but have not yet started drawing. It is held safely in the Scheme and revalued each year until you choose to retire. There is nothing you need to do to keep it.

If you die before you retire, the Scheme pays a cash sum, and a pension may be payable to your spouse or dependants. Completing an Expression of Wish helps the Trustee decide who should receive the cash sum.

Log in to My Pocket Pension to update your address and contact details at any time. If you would rather not do this online, the helpdesk can update your records for you.

Your Normal Retirement Date is set out in the Scheme rules. You can usually choose to retire earlier or later, though different rules and adjustments apply if you do. You can model different retirement dates in My Pocket Pension. 

Your pension is paid monthly, directly into your bank account. You can see your payment dates and payslips at any time in My Pocket Pension.

Your pension is treated as income, so tax is deducted under a code set up by HMRC. Each spring you receive a P60 summarising the pension paid and tax deducted in the previous tax year. If your tax code looks wrong, HMRC can change it.

Most pensions in payment are increased each April in line with the Scheme rules. Different parts of your pension may increase at different rates.

Log in to My Pocket Pension to update your address. To update your bank details you need to contact the administrator. Keeping these current makes sure your payments and P60 always reach you.

A pension may be payable to your spouse or dependants, and a cash sum is paid if you die within the first five years of retirement. Keeping your Expression of Wish up to date helps the Trustee decide who should benefit.