A deferred member is one who has left the Scheme but has opted to keep their pension benefits in the Scheme until they retire (or die).
Your deferred pension will have been worked out in the same way as for a pension at Normal Retirement Age, but will have been based on Pensionable Service completed to the date you left the Scheme and your Pensionable Earnings at that date. It will then, usually, be revalued for the period of time between leaving and taking the pension at normal retirement, early retirement or in the event of your death.
However, because there are different rules and conditions applying to different members at different times over the history of the Scheme, it would be difficult to easily summarise the information that applies to each deferred member. We have therefore provided general information only in this section of the website - if you want to know your specific terms and conditions, your benefits and your options, then you must contact the RSA Pensions Team.
But above all, please make sure you keep us up-to-date with your address and bank details before you retire and are due to receive your pension from the Scheme. This will enable us to make any pension or other payments in good time.