The Group Pensions website is where you can find found information that you need about your pension benefits, historic information and scheme literature will continue to be available here. As detailed in their August 2025 communication PIC will take on the responsibility for the administration of both the RIGPS and Sal Pension Scheme from 8th September 2025. From this date any correspondence regarding your benefits under either scheme should be addressed to PIC.
PIC Contact DetailsPension Insurance Corporation,PO Box 556,Darlington,DL1 9YX
Email address: enquiries@picadmin.co.uk
Tel: 0800 652 7000
Whilst the administration has transferred to PIC the respective Trustees remain responsible for the running of the schemes. If you need to get in contact with the Trustee, please use the Contact points link to get in touch.
Beware of Scams
The Trustee is concerned about the growing problem of pension scams and would like to remind you to be vigilant.
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Scammers are coming up with new ways to trick people out of their hard-earned retirement income and will often provide very convincing websites and brochures that make them look like they are authentic. The tell-tale signs to look out for include:
If you receive an email or a text message from someone you don't know, the safest option is to ignore it and don't click on any links.
You can find more information on how to identify potential pension scams here
The Financial Conduct Authority's ScamSmart website includes general help around protecting you from potential scams.
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As you will be aware both the Royal Insurance Group Pension Scheme (RIGPS) and the Sal Pension Scheme (SALPS) are defined benefit pension arrangements. This means that your benefit was calculated at the point you left the Scheme; increases are then, normally, granted between your date of leaving and your retirement date in accordance with the basis defined under the relevant Scheme’s rules.
You may have the option of taking your benefits early or late and you may have the option of being able to exchange part of your pension for a tax-free cash lump sum payment. When you exercise any of these options a variety of factors and assumptions, that are agreed by the Scheme Actuary and approved by the Scheme’s respective Trustee, are used to calculate your benefits. These factors and assumptions are subject to regular reviews.
As economic conditions change so do the assumptions that are used to calculate the retirement benefits payable. In future these factors and assumptions will be reviewed on a monthly basis and benefits will be calculated using the factors in force for that month. As has always been the case all retirement quotations issued are unguaranteed and may be subject to change and actual benefits payable may be higher or lower than any quotation that has been issued.
Transfer value quotations will continue to be guaranteed for a three-month period. Any revised quotes may, as now, be higher or lower than the previous value as they will take into account current assumptions.
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This section is for members of the Royal Insurance Group Pension Scheme (RIGPS). The Scheme is closed for future accrual.
This section is for members of the Sal Pension Scheme (SALPS). The scheme is closed for future accrual.