The date you joined the BT Pension Scheme (BTPS) determines which section of the scheme you are in and the pension you’re entitled to. It will affect the minimum and maximum age you’re allowed to take your pension and the choices you can make. It’s good to know which section your membership is in.

Your BTPS section

Your pension will be different depending on which section you belong to. You, or your financial adviser, can find out more by reading the booklet describing your BTPS section.

Section A

For members who joined the Scheme before 1 December 1971

Section B

For members who joined the Scheme between 1 December 1971 and 31 March 1986

Section C

For members who joined the Scheme on or from 1 April 1986 but before the Scheme closed on 31 March 2001

Portal

The best way to see your pension in real time is on our member portal. It gives you a personalised view of the benefits that apply to you. It provides 24/7 access to the secure members’ online area where you can review your pension. If you haven’t signed up for the portal already, view this video on how to register.

Still working at BT

If you are still working at BT you have more options open to you about when to take your pension and whether to carry on, or stop, working. You can find out more about the flexible retirement opportunities BT offer on the Flexible Retirement pages on BT’s intranet.

If you are an employed deferred member running retirement quotes on the portal and want a detailed understanding of how annual pension increases in deferment are applied you can read more in these factsheets.