Scottish Secondary Teachers' Association

Category: Pensions

  • Members Bulletin – 12 March 2024

    Members Bulletin – 12 March 2024

    The Scottish Negotiating Committee for Teachers (SNCT) Pay Claim 2024-2025

    The SNCT Teachers’ Side pay claim for 2024-2025 was submitted in January. The claim for 6.5% for all SNCT grades from August 2024 was acknowledged by the employers at the SNCT meeting in February. COSLA stated at the meeting that it was in discussions with the Scottish Government regarding local authority funding and public sector pay. It was also waiting for the Westminster Budget on 6 March to see if there would be any additional money for Scotland. To date no further response to the SNCT pay claim has been received. Unfortunately, this does not bode well for a pay settlement to be in place by August 2024.
     
     
    SSTA General Treasurer Election

    The SSTA General Treasurer Elaine Henderson (Aberdeenshire) is stepping down at the end of the SSTA Congress in May 2024 and following the required nomination period John Guidi (East Renfrewshire) has been elected. John was nominated by several SSTA Districts and was elected unopposed. John will replace Elaine at the end of Congress in May and hold the position until the close of Congress 2027. The Association would like to thank John for putting himself forward and wish him well in taking forward this important position in the Association.
     
     
    International Women’s Day (STUC Event) Open invitation
     
    In celebrating International Women’s Day, the STUC Women’s Committee will be hosting an event on Thursday 14 March at the STUC, Margaret Irwin Centre, Glasgow from 6:00  – 7:30 pm.
     
    International Women’s Day is celebrated worldwide, marking women’s progress and achievements. The STUC Women’s Committee, is proud to stand alongside all those women internationally fighting for justice and equality. Every day, women are contributing to and making history, yet their achievements, stories and successes are often overlooked. The Herstory Project, developed by the STUC Women’s Committee, aims to engage, encourage, and empower trade union women with the confidence, courage, and skills to share a story of their own, and to equip them with the tools to support other trade union women to do the same.

    To register your attendance please click here: STUC Women’s Committee IWD Event
     
     
    SQA N5 and Higher English – consultation on Scottish set text refresh
     
    The SSTA was contacted by the SQA to share information of a consultation on the Scottish Set Text list for N5 and Higher English. The link to the SQA English homepage contains information about the consultation. –  https://www.sqa.org.uk/sqa/47410.html
     


    Teacher Pension Applications and 2015 Remedy
     
    The SPPA has advised that the implementation of the 2015 Remedy is progressing well. The SPPA’s purpose is to pay pensions accurately and on time but members’ retirement applications need to be received in time.
     
    Retirement application forms need to be submitted to the SPPA at least four months before the retirement date. This is to allow the additional calculations needed for the 2015 Remedy. This requirement applies to all members and not just those affected by Remedy. SPPA do not have the ability to fast track late applications. Payments will be affected if retirement applications are submitted later than four months before retirement. 

     

    Online Retirement Workshop – Monday 18 March @ 5.30pm

    Following on from the in-person retirement workshops which took place in recent weeks, an online workshop will now take place via Teams on Monday 18 March at 5.30pm.

    This is one of the most important years to look at various options that you have available regarding your retirement. With the changes that have been brought about following the Sergeant and McCloud ruling you need to understand the impact these will have on your pension and your retirement.

    The workshop is designed to take you through these options and help you understand what your retirement can look like. We will be exploring the actions you can take both before and after retirement to give you a secure financial future. We will run through various examples looking at cashflows to help identify how you can structure your retirement incomes, as well as your savings and investments to give you the retirement you desire.

    The Workshop will last approx. 1 hour 30 minutes and will explore the following topics:

    • Introductions
    • The Teachers’ Pension Schemes
    • Sargeant & McCloud – The impact
    • Phased Retirement & what has happened to Winding Down
    • Cashflow in Retirement
    • Using your Savings and Investments
    • Where can you get help.

    Register for a place at the retirement workshop.

  • SSTA Member Bulletin – October 2023

    SSTA Member Bulletin – October 2023

    Hayward Review

    The Independent Review Group led by Professor Louise Hayward published the final report ‘Our Future: Report of the Review of Qualifications and Assessment’ in June 2023. Recommendations in this report centre around a reduction of national qualifications and the introduction of a Scottish Diploma of Achievement (SDA) in the Senior Phase and with three mandatory elements: Personal Pathway, Programmes of Learning and Project Learning. 

    The Cabinet Secretary for Education and Skills has committed to taking views from the teaching profession on these proposals before publishing a Scottish Government response later this year. The Scottish Government is keen to hear views from teaching staff and the consultation closes at 5.00pm Tuesday 31 October.
    Professor Hayward Recommendations – What do you think? (smartsurvey.co.uk)
     

    Teacher Pension – SPPA Remedy Special Newsletter
    Many members attended our recent in-person and virtual briefings and will be aware of the changes to the teachers’ pensions scheme. The major focus has been the ‘remedy’ for scheme members impacted by age discrimination created by the Government in 2015. The SPPA has released a special newsletter to provide further information on how 2015 Remedy is being implemented and what members can expect. 
    SPPA September Employer Newsletter – Teachers (campaign-archive.com)

    A recording of the pensions presentation from the virtual briefing is available on the SSTA website – Teachers Pension Scheme Presentation – September 2023
     

    Return to Work Meetings
    Members returning to work after a period of sickness are sometimes required to attend a ‘return to work’ meeting. Members can be accompanied by the school representative at these meetings. The meeting should be a two-way conversation about how you are, any support you may need at work to ensure a successful return and an updating of any changes that have happened in school while you were absent. 

    The school representative is there to give moral support – so member or colleague does not feel alone – and to act as a witness to what is being said. To seek clarification if what is being said is unclear. To help ensure that the meeting only deals with the agenda items. 
    The school representative at this stage is not representing the member or colleague and therefore cannot speak on their behalf.
     

    Teachers ‘Off Sick’
    We are being increasingly alerted by members that are being required to provide work, complete assessments and write reports whilst ‘off sick’.

    While a member is ‘off sick’ they have no obligation to provide work for classes and should not be contacted about work issues, including contact from any pupils. The only contact should be about ongoing health, any support that can be offered and likely return to work dates. In addition, any WhatsApp groups about work issues should be ignored until fit to return.
     

    Statement of Fitness for Work – Fit Notes
    The Statement of Fitness for Work, commonly known as the ‘fit note’ is used to record details of the functional effects of employee’s health condition. The fit note should allow the employer and employee to discuss the employee’s health condition and consider ways to help them stay in, or return to, work.

    Fit notes may be issued by doctors, nurses, occupational therapists, pharmacists, and physiotherapists. The law requires one of these healthcare professionals to undertake an assessment, either through a face to face, video call, telephone consultation or through considering a written report by another healthcare professional, to complete a fit note.

    People can only be given a fit note if their healthcare professional considers their fitness for work is impaired. If someone is considered fit for work, they will not be given a fit note. The employee does not require a ‘fit for work’ fit note if their fitness for work is not impacted.

    Employees can self-certify for the first 7 calendar days of their sickness absence, which includes weekends and bank holidays. If your employer requires medical evidence for the first 7 days of sickness absence, the healthcare professional may charge a fee, and this cost should be covered by the employer.

    See the new Government guidance on fit notes 
     

    SSTA Membership – Recruit a Colleague
    All members are encouraged to recruit a colleague to join the SSTA. SSTA membership is unique in that it offers direct access to a senior official for advice and support. No other teacher union provides this service. The SSTA is the only trade union that offers this access to all members and remember the SSTA is the only teacher union that speaks only for Scottish Secondary Teachers.

    • NQTs – Free until January 2025 (qualified 2023)
    • New Teachers – Free and 30% (70% off) in 2024 (qualified 2022)
    • New members – 50% for 12 months
    • Part-Time – 50% for all part-timers (£8.38 per month)
  • SSTA Members Briefings – September 2023

    SSTA Members Briefings – September 2023

    The SSTA has arranged a series of in-person members briefings in September.
     
    Seamus Searson the SSTA General Secretary would like to meet with SSTA members to discuss the issues that face secondary teachers.  This will include the Qualifications and Assessment Review, the Pupil Behaviour Summit and Teacher Health and Wellbeing. This is your opportunity to have your say.
     
    Stuart McCullough, Independent Financial Adviser from L-life Ltd will also be giving a presentation on the changes to the Teachers’ Pension Scheme. This will concentrate on “The Remedy” and the impact that the Sergeant and McCloud court case has had on your pension benefits, the choices that you will have to make and when you will have to make them. Stuart will also provide a demonstration on how to use the Remedy Calculator on the SPPA website to help you calculate your expected pension benefits.

    The briefings will start at 5.00pm and will be repeated at 7.00pm on each date.

    LocationVenueDate
    Dundee Invercarse Hotel05 September 2023
    Aberdeen The Station Hotel06 September 2023
    Inverness Leonardo Hotel07 September 2023
    Edinburgh SSTA Headquarters12 September 2023
    Glasgow DoubleTree by Hilton Glasgow Central13 September 2023
    Ayr Mercure Ayr Hotel19 September 2023

    Please visit the Events page on the SSTA website and select the briefing you would like to attend and complete the registration form to book your place.

  • Members Update –  June 2023

    Members Update –  June 2023

    Education Reform – “the views of teachers will be key to Scotland’s education reform journey”.

    With the publication of the ‘All Learners in Scotland Matter’ and ‘It’s Our Future’ reports, Jenny Gilruth MSP, the Cabinet Secretary for Education and Skills said, “the views of teachers will be key to Scotland’s education reform journey”. The Cabinet Secretary has asked all schools to provide opportunities to engage teachers at the in-service days in August as most secondary school teachers have only had a limited, if any, involvement in the process. It is expected that all schools will prepare suitable amounts of time for meaningful discussions that have the potential to have a major impact on the future of Scottish education. Correspondence on behalf of Jenny Gilruth MSP Cab Sec for Education and Skills

    Please see the links to the reports below.
     
    It’s Our Future: Report of the Independent Review of Qualifications and Assessment
     
    Professor Louise Hayward’s final report on qualifications and assessment has been welcomed by the Cabinet Secretary for Education and Skills https://www.gov.scot/news/hayward-review-published/
     
    Key recommendations of the Hayward report on the reform of the senior school phase include:

    • the Scottish Diploma of Achievement as a graduation certificate for all senior phase educational settings
    • the end of exams in S4 and a wider range of assessment methods used in Highers and Advanced Highers
    • a digital profile for all learners which allows them to record personal achievements, identify and plan future learning.

    The Full report can be found here.
     

    All Learners in Scotland Matter – national discussion on education: summary report
     
    The Muir Review ‘Putting Learners at the Centre: Towards a Future Vision for Scottish Education’ recommended a National Discussion to establish a compelling, consensual and renewed vision for the future of Scottish education. This was undertaken by independent facilitators and commenced work in July 2022. The report provided an overview of the National Discussion and outlined the vision, values, and the high-level Call to Action (C2A) based upon all the evidence collected. The overarching theme is Educating Our Future supported by four inter-related components: Learners and Learning, A Learning System, Digital Futures and Human-Centred Educational Improvement.

    The action point related to Educating Our Future is as follows:
    Educating Our Future requires a Scottish education system that is proactive, flexible, integrated, and upholds the rights of all children and young people. A future Scottish Education system will offer high-quality teaching and learning, different learner pathways, alternative routes to success, and a range of appropriate assessments that reflect the unique talents of each learner, supports their ambitions, and meet the needs of a changing world.

    The full report can be found here.

     

    Scottish Teachers’ Pension Schemes’ Consultation

    This consultation is seeking views on draft regulations to implement the retrospective phase of the 2015 remedy. The Regulations are part of a package of measures to address the age discrimination that was identified by the Courts in the transitional protections afforded to some scheme members in public service pension schemes. Please note the consultation runs from 23 May 2023 until 23 July 2023.
     
    The Scottish Teachers’ Pension Schemes’ Consultation on implementing the 2015 Remedy is available here
     

    STUC Education Programme – Teaching Resource

    The STUC has developed a ‘Cost Of Living Political Education Course’. The Course links through to the Padlet materials, all of which are online here.

    All materials are free and can be adapted by teachers. If interested in having the course in your workplace or community, please see link: https://forms.office.com/e/swaYaWnpFE
     

    STUC Trans Equality Guidance

    This guide has been developed by the Scottish Trade Union Congress’ (STUC) LGBT+ Workers’ Committee. It is designed to be a practical tool for union reps and activists to further support trans workers/members and how trade union reps can help to embed trans equality and inclusion at work. Please find a link to the STUC’s Guidance 
     

    TES Newsletter

    Sign up (for free) to the newsletter. For anyone who does, every Friday afternoon they’ll get a short bit of commentary and links to four stories from that week to keep up to speed with the latest news, we’ve been told!  https://www.tes.com/magazine/news/general/tes-newsletters

     

  • SSTA Members’ Briefing 2022

    SSTA Members’ Briefing 2022

    The SSTA has arranged a series of in-person members briefing in September.
     
    Seamus Searson the SSTA General Secretary would like to meet with SSTA members to discuss the issues that face secondary teachers (to include the 10% teacher pay claim, the future of national qualifications and the progress of the Muir review). This is your opportunity to have your say.
     
    Stuart McCullough, Independent Financial Advisor from Llife Ltd will also be giving a presentation on the changes to the Teachers’ Pension Scheme ,“How to Control your Pension and New Pension Calculator?”.

    A list of upcoming dates and venues are shown below. The briefing will start at 5.00pm and will be repeated at 7.00pm on each date. Please select the briefing you would like to attend and complete the registration form to book your place.


    Yours sincerely
    Seamus Searson
    General Secretary

    SSTA Members Briefings 2022

  • Retirement Workshops

    Retirement Workshops

    The Scottish Teachers’ Pension Scheme

    Retirement Workshops

    This is one of the most important years to look at various options that you have available regarding your retirement. With the changes that have been brought about following the Sergeant and McCloud ruling you need to understand the impact these will have on your pension and your retirement.
     
    L-Life Ltd, in conjunction with the SSTA, would like to invite you to a free virtual workshop concentrating on the decisions you will/are being faced with at retirement.
     
    The workshop is designed to take you through these options and help you understand what your retirement can look like. We will be exploring the actions you can take both before and after retirement to give you a secure financial future. We will run through various examples looking at cashflows to help identify how you can structure your retirement incomes, as well as your savings and investments to give you the retirement you desire.

    The Workshop will last approx. 1 hour 30 minutes and will explore the following topics:

    • Introductions
    • The Teachers’ Pension Schemes
    • Sargeant & McCloud – The impact
    • Phased Retirement & what has happened to Winding Down
    • How you can top you pension up and when should you do it?
    • Cashflow in Retirement
    • Using your Savings and Investments
    • Where can I get help.

    The workshop has been arranged with the permission of the Scottish Secondary Teachers Association and is open to all members who are thinking about retirement.

    The workshops will take place online on:

    • Tuesday 8 March 2022 at 5pm
    • Thursday 10 March 2022 at 5pm

     
    To book your place please go to the events section of the SSTA website and choose

    Life-Long Investment and Financial Expertise

    L-Life Ltd is directly authorised by the Financial Conduct Authority.
    L-Life Ltd is entered on the FCA register (www.fca.gov.uk/register) under reference 714672.
    The Financial Conduct Authority does not regulate Inheritance Tax Planning and Will Writing.

  • SSTA Members Briefing and Pensions Update 2021

    SSTA Members Briefing and Pensions Update 2021

    The SSTA has arranged briefing sessions for members in the coming week.

    The General Secretary, Seamus Searson, will give the latest information regarding Covid-19, national qualifications and the Education Reform review. There will also be a presentation on the impact of the Teachers’ Pensions consultations and the changes due to take place in April 2022 by Stuart McCullough, Independent Financial Advisor from Llife Ltd.

    The briefings will be conducted remotely and will take place on:

    Please select the briefing you would like to attend and complete the registration form to book your place using the links above.

  • Members Update – 5 February 2021

    Members Update – 5 February 2021

     
    First Minister Statement – Reopening of Schools 22 February 2021
    The First Minister made a statement to the Scottish Parliament on 2 February that it is her intention to reopen schools to some pupils on 22 February.
     
    This decision is to be confirmed in two weeks (16 February 2021). The statement raised a number of issues that are still to be resolved as the detail had not been discussed with teacher unions.
     
    The SSTA has been advised that updated reducing risks and mitigating risk guidance, together with the Education Scotland technical guidance regarding the limited senior phase return for practical activities, will be published by Friday 12 February.
     
    SSTA Advice
     We know that schools will start preliminary work in preparation for a possible reopening of schools on 22 February but the SSTA advises that:

    • Detailed plans are delayed until the receipt of the guidance on mitigation measures, defined practical activities and number of pupils permitted is confirmed.
    • Remote Learning will continue for all remaining pupils and additional time must be made available to undertake the additional preparation and correction
    • Plans for a change of timetable during the summer term must be deferred as teaching and learning for senior pupils will need to be continued until the submission of qualification grades on the 18 June.
    • Teacher numbers in schools must be restricted to a minimum to reduce the exposure to, and transmission of, the virus
    • Teachers who are required to supervise pupils in school are unable to contribute to remote learning
    • Vulnerable and shielding teachers must continue to work from home
    • Teachers with child caring responsibilities must be encouraged to focus on remote learning from home
    • All Risk Assessments must be reviewed in light of the new variant of Covid-19 and any changes to local authority level status
    • Schools need to focus on teaching and learning and all other ‘normal’ school activities need to be withdrawn or deferred to a later date. This includes parental consultations, annual pupil reports, tracking and monitoring, etc.
    • All changes in working practices need be agreed by the school’s Working Time Agreement Committee.

     
    Government Covid-19 Advice
     The ‘Advice from the Covid-19 Advisory Sub-Group on Education and Children’s Issues’ has been revised and published on 3 February 2021. This document outlines the phased return to in-person learning in schools and early learning and childcare (ELC) settings. It includes the evidence to support the Government’s decision and mitigations necessary to support a safe return.
     
    Asymptomatic Testing of School Staff
    The Scottish Government are putting in place a testing system for all school staff. The testing kits are to be issued to schools in the coming weeks. Tests are to be undertaken twice a week. Please see the ‘Asymptomatic Testing in Scottish Primary, Secondary and Special Schools, and ELC Providers – fact sheet’ 
     
    Risk Assessments
    Following a meeting with the local authorities it has been agreed that all Risk Assessments must be under constant review particularly in light of the new variant and that the Government guidance needs to be followed. Trade unions in local authorities and individual establishments should be fully involved and consulted on the updating and revision of existing risk assessments.
     
    Public Sector Pensions
    The Government response to the consultation on the implementation of 2015 Public Sector Career Average Pension Scheme that was found to be discriminatory on grounds of age has been published.
     
    The government will proceed with the deferred choice underpin. This approach will mean all eligible members are members of their legacy scheme for the period between 1 April 2015 and 31 March 2022, known as the remedy period.
     
    Eligible members retiring after implementation will get a choice of whether to take legacy or reformed scheme benefits for the remedy period when their pension benefits become payable. Legacy schemes will be closed in relation to service after 31 March 2022.
     
    An accompanying leaflet provides a high-level summary of the government’s policies and who is affected by them can be found here.  For full details of the consultation and Equality impact Assessment can be found here.

    The Scottish Teachers’ Pension Scheme – Retirement Workshop
    A recording of one a recent Retirement Workshop’s is now available to view on the SSTA website. The workshop, hosted by L-Life Ltd, concentrates on the decisions you will/are being faced with at retirement. The workshop runs for approximately 1 hour and looks at:-

    • The Teachers’ Pension Scheme – how it works and the options that you have
    • How you can top up your pensions in preparation for Retirement
    • How to apply for your pension
    • Money management & investment choices

  • Retirement Workshops

    Retirement Workshops

    The Scottish Teachers’ Pension Scheme

    Retirement Workshops

    In these “Interesting Times” many people are now seriously considering retirement and wondering how and when they will be able to afford retire.

    How will I be able to meet my bills?
    How do I get the best from my Pension?
    How do I make my money last?

    L-Life Ltd, in conjunction with the SSTA, would like to invite you to a free virtual workshop concentrating on the decisions you will/are being faced with at retirement.

    The workshop will run of 1 hour and look at:-

    The Teachers’ Pension Scheme – how it works and the options that you have
    How you can top up your pensions in preparation for Retirement
    How to apply for your pension
    Money management & investment choices

    The workshop has been arranged with the permission of the Scottish Secondary Teachers Association and is open to all members who are thinking about retirement.

    The workshops will take place online on:

    • Tuesday 19th January 2021 at 5pm
    • Thursday 21st January 2021 at 5pm
    • Monday 1st February 2021 at 5pm
    • Wednesday 3rd February 2021 at 5pm

    To book your place please go to the events section of the website and choose the workshop you would like to attend and complete the registration form.

    Life-Long Investment and Financial Expertise

    L-Life Ltd is directly authorised by the Financial Conduct Authority.
    L-Life Ltd is entered on the FCA register (www.fca.gov.uk/register) under reference 714672.
    The Financial Conduct Authority does not regulate Inheritance Tax Planning and Will Writing.

  • Pension Consultation – closes 11 October 2020

    Pension Consultation – closes 11 October 2020

    The Government are currently consulting with all members of the public sector pension schemes which includes the Scottish Teachers Pension Scheme. This is regarding the unjustified age discrimination in relation to the transitional arrangements to the 2015 pension scheme.
     
    Within the consultation they are asking you, the scheme member, to make a choice. It’s very important that you understand what this choice is and the implications that it could have. The consultation paper is 74 pages long and can be summarised in one question.
     
    Background
    In 2015 a new Public Sector Career Average Pension Scheme was launched. Depending on your age you were

    1. placed into the career average scheme on the 1 April 2015
    2. given ‘linear taper relief’ which meant that there was a delay before you were moved into the career average scheme or
    3. given protected status which meant that you did not have to go into the new scheme.

    Following the McCloud case the Court of Appeal ruled the pension reforms unlawfully discriminated against young members. The government accepted that it was discriminatory on grounds of age and that the situation must be remedied.

    Remedy
    The government has interpreted the court ruling that members who were in their original scheme prior to the 1 April 2012 will have the ability to have any service accrued under the new scheme transferred back to their original scheme, up to the 31 March 2022.

    At that point, any future benefits accrued by the member will be allocated to the Career Average Scheme that was launched in 2015.

    Whilst this is an interesting interpretation of the court ruling, further negotiations on this point are continuing. It’s important to note that this is not the question asked in the consultation.

    Consultation
    The choice you are being given is that

    1. you should make the selection for your benefits to be moved back to your legacy scheme at the end of the remedy period (31 March 2022) or
    2. you have the ability to delay this choice until the date you decide to retire.

     
    The Government’s Preferred Choice
    The governments preferred choice is that you, the member, make the “immediate choice” as to whether you feel your benefits would be better in your original scheme or the Career Average 2015 scheme. Their argument is that this will help them calculate the funding of the schemes going forward.
     
    The SSTA Position
    The SSTA Salaries, Pensions and Conditions of Service Committee has considered the consultation and is of the view that it is impossible for you to know which outcome would be best as you will only know your personal situation at the point of retirement.
     
    The SSTA would therefore urge you to vote for the “deferred choice underpinned”. This will give you the right, at retirement, to choose the best option that suits you as opposed to the option that suits the government and the pension scheme.
     
    The SSTA will be submitting a detailed response to the government consultation.
     
    How to participate in the consultation
    The consultation closes on the 11 October 2020 and we would encourage all members of the pension scheme to indicate their choice.
     
    Your response can be submitted by email using the following address:
     
    PensionsRemedyProjectConsultation@hmtreasury.gov.uk
     
    Alternatively you can send your response by post to:—
     
        Pensions Remedy Project Team
        HM Treasury
        2/Red
        1 Horse Guards Road
        London
        SW1A 2HQ
     
    You need to give your name and your superannuation number (GTCS number).
     
    The SSTA suggests you use the attached wording as there is no prescribed format or form that has been provided.
     
    “I am responding as an individual in relation to the consultation addressing the unjustified age discrimination in relation to the transitional arrangements to the 2015 pension scheme.
     
    Following the Court Judgement discussed in the consultation document I wish to express my disappointment at the Government’s interpretation as I do not believe that the proposed action provides adequate remedy.
     
    The legal definition of remedy is “a way of using the legal system to make sure that someone’s rights are not taken away from them.” 
     
    The Government has previously set a precedent. It has changed public sector pension schemes on numerous occasions over the last 20 years. Up to and including the pension reforms of 2007/08 any new schemes launched were available to new members, allowing existing members to remain in their legacy scheme.
     
    As it is the proposal that legacy members will be forced into a new pension on 1st April 2022 this will be discrimination on grounds of age which means that remedy has not been given.
     
    In response to question 6 my view is that the “delayed choice underpin” is the fairest of the two options but fails to recognise the rationale of being forced into a new pension.”
     
    You can find links below to the Consultation Paper as well as a brief presentation, produced by the Government Actuary’s Department, for your information and if you have any questions or queries please feel free to contact the Association.