Your membership

This part of the guide provides information about your membership of the Main Section, the contributions you pay and what happens when you leave. It is particularly relevant to you if you are a Contributing Member or a Deferred Member.

Choose a topic to explore

Joining and cost

Discover more about what you pay, what the Employer pays and how to transfer other pensions in.

Additional Contributions

Learn about how you can make additional contributions and how it can affect your benefits.

Leaving the RWE Group

Find out what happens if you leave the RWE Group, plus your options for transferring out.

Helpful pages

How to use this website

How to use the glossary and jump to the topics you are interested in.

What kind of member am I?

Find out whether you are a contributing member, deferred member, or pensioner member.

Useful things to know

Find out about taxation of contributions, the State Pension, and how your life events may impact your benefits.

Disclaimer

This guide is a summary of the main provisions of the RWE Group relevant to you and your benefits. It is not, and is not intended to be, a summary of every detail of the RWE Group or to cover every set of circumstances.

The RWE Group’s detailed benefit provisions are set out in its formal governing documents, the trust deed and rules. This guide summarises the benefits provided by the RWE Group and its related provisions. Whilst every effort has been made to summarise the benefits and provisions of the RWE Group accurately, if there are any differences between this guide and the trust deed and rules, the trust deed and rules (as amended from time to time) will apply and override the terms of this guide.

This guide is dated January 2025. Every effort has been made to ensure the guide is up to date and accurate at the time of writing, however, subsequent changes to the RWE Group’s governing documents, applicable legislation and/or the tax regime may consequently affect its accuracy or completeness.