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GMP Equalisation

If you were an Active member of the Scheme for any period between 6 April 1978 and 5 April 1997 an element of your pension will be Guaranteed Minimum Pension (GMP). You and BT will have paid less National Insurance Contributions for this period of your employment. As a result, you will receive a lower level of pension from the State and the Scheme ensures that your BTPS pension is at least equal to a specific amount, known as your GMP.

You may have recently seen in the news the decision by the High Court that pension schemes should equalise benefits between women and men who have a GMP within their pension. This is a complex area and the Trustee is currently talking to its advisers and BT to assess any potential implications. It is not necessary for you to take any action at this point. The administration team will contact the affected members at the appropriate time. The Scheme’s website will continue to be updated with the latest news on this matter.

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