Changing your contribution tier within the Scottish Widows Master Trust


Changing your contribution tier
 

This form is for Capita employees who are already members of the SWMT - Your Future Income Plan  who wish to change their contribution category between the two tiers that are available. It cannot be used for setting the contribution rate within a tier, which can be done using Money4Life.

If you have any questions about your change request or are unsure which tier you are currently in please contact your employer via Peoplehub@capita.com. Please ensure that you quote your payroll number in your email.

If you want to change your contribution tier, please complete the form below. Once submitted your request will be passed to your employer to update.

 

Contribution rates

You’ll make your pension contributions through salary exchange (unless you request otherwise). This means you give up (exchange) part of your salary, which your employer adds to their pension contributions. By doing this you don't pay tax on your pension contributions.

Please note that Capita's default position is to deduct contributions via salary exchange; however, if this deduction takes you below statutory minimums, Capita will adjust your contribution accordingly to prevent this.

Tier 1 - alternate tier

Tier 1 - alternate tier

The contributions of your Basic Salary will be:

  • employee: 5%+ (You can choose your own contribution rate after your tier change has happened using Money4Life)
  • employer: 5%

 

Tier 2 - Default Tier

Tier 2 - Default Tier

The contributions of your Qualifying Earnings will be:

  • employee: 5%+ (You can choose your own contribution rate after your tier change has happened using Money4Life)
  • employer: 3%

For the tax year 2024/2025, Qualifying Earnings are any earnings between £6,240 and £50,270 a year. This is between £520 and £4,189 a calendar month).

If you want to change your contribution tier, please complete the form below.

Your privacy is important to us. To understand how the personal information you give us will be used, please read our Scheme data privacy notice (PDF, 236KB) or you can ask us for a copy.

           

Your details

 

You’re about to request a change to your contribution tier

To make a change to your contribution tier, please share with us the below information.
 

You’ll need to give us your:

  • Name
  • National Insurance number
  • Employer payroll number
  • Contact details
  • Contribution tier preference

 

 

Your privacy is important to us. To understand how the personal information you give us will be used, please read our Scheme data privacy notice (PDF, 236KB) or you can ask us for a copy.

   

YOUR DETAILS

 

Step 1 (of 6): Confirm you are a member


   

This form is only for existing members.

 

   

YOUR DETAILS

 

Step 2 (of 6): Confirm your details


Please do not include the 'P' at the beginning of your payroll number.

   

   

YOUR DETAILS

 

Step 3 (of 6): Confirm your contact details


Confirm your contact details

 

Mobile or landline (do not use spaces). Your contact number will be used specifically to process your request.
Your email address will be used specifically to process your request.

   

   

YOUR DETAILS

 

Step 4 (of 6): Your contributions


Please note that Tier 1 contributions are based on your Basic Salary, whilst Tier 2 contributions are based on Qualifying Earnings.

   

YOUR DETAILS

 

Step 5 (of 6): Check your information

Check your details are correct before you continue.


Your name:                                         ##title## ##forname## ##surname##   




Your NI number:                            ##ni-number##
 




Your payroll number:                ##employer-payroll-no##
 




Your contact details:


Email address:                                         ##email##
Contact number:                                      ##telno##

 

 




Your contribution details:

Tier chosen:                                        ##tier##

 

   


   

YOUR DETAILS

 

Step 6 (of 6): Confirmation of your request


Your request will be passed to your employer to update. 

The change to your contribution tier will commence from the next available opportunity but will normally be the 1st of the month after a completed and valid request has been received by your employer. Once this is completed you will be able to use Money4Life to update your contribution rate if you wish to do so.

 

 

Your privacy is important to us. To understand how the personal information you give us will be used, please read our Scheme data privacy notice (PDF, 236KB) or you can ask us for a copy.