The world of pensions can be daunting. But, don’t worry – we’re here to support you throughout your membership and beyond.
 
In this section, you’ll find useful definitions, links and answers to common questions to help you navigate through your pensions journey more easily.
 
If your questions aren’t answered on this website, our Contact details page lists people and organisations that may be able to help.
 
You might want to get independent advice before making any decisions about your financial future. The Trustee, the administrators and your employer are not authorised to offer advice and information provided by them should not be relied on as advice about your individual circumstances.

You can visit the Unbiased website for a list of independent financial advisers in your area.

Please note: documents are available in large print and other formats on request for any members who need them. Please contact Railpen, the Scheme’s Administrator, with details of your requirements by calling 02476 472 544, emailing: enquiries@railpen.com or writing to 2 Rye Hill Office Park, Birmingham Road, Coventry, CV5 9AB.