The introduction of the Social Security Act 1973 (SSA 73), saw a
significant improvement in the members retirement benefits within an employers pension scheme. Prior to this Act
members had no statutory rights to any benefits accrued in an occupational pension scheme for early leavers.
When the Act was introduced on 6 April 1975 it allowed for the preservation of a members pension rights, known
as preserved benefits, after 5 years of service and would include both employee and employer
contributions.
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If the pension is a money purchase scheme such as a
stakeholder personal pension, the quotation from the provider will show the actual value of the pension after
charges and this report cannot be used in these cases. The following are Defined Benefit schemes available for the
public and private sectors showing different cases of age, earnings, years in scheme and actual valuations the
Actuarial Report has produced.
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