Book a free one-to-one session

If you’d like to talk through the proposal and what it could mean for you specifically, you can book a one-to-one appointment with a pension expert. These sessions are confidential and free of charge.

These sessions are run by Marsh’s Financial Education team, who specialise in helping members understand and engage with their pension benefits.

How to book your free session

Select a date and time that suits you. All one-to-one sessions will be held virtually, so you will have no need to travel for your online meeting.
Fill in your information on the booking tool below and you will receive a confirmation email with details of your appointment.

Book your consultation

What's covered in the session?

You can use your session to:

ask questions about the consultation and the proposed changes;
understand, at a high level, how your built-up benefits in the Scheme will be treated if the proposal goes ahead (i.e. what you will be entitled to as a Deferred member as opposed to an Active member); and
talk through your retirement options and the choices you may have in the future in relation to your DC pension with Standard Life.

You will be provided with a personal illustration (deferred statement) of your built-up benefits in the Scheme, to support your one-to-one discussions. This personal illustration will show an estimate of your benefits in the Scheme at retirement, based on your benefits built up to the proposed closure date. This personal illustration, along with your annual benefit statement, is available on Aptia OneView.

You should have both of these statements to hand to facilitate your one-to-one session.

Please note

These are guidance sessions only, not full financial advice. If you feel that you need financial advice following your one-to-one session, you can find your own FCA-regulated adviser by going to moneyhelper.org.uk. Should you go ahead with independent regulated advice, this will be at your own expense.

How long is the session and how will it take place?

Appointments last 45 minutes.

Sessions are virtual and there will be slots available to choose from between 12 to 30 October 2026.

To book a one-to-one, use the booking tool and select the virtual meeting option. These meetings will be available via either Microsoft Teams or Zoom.

What should you bring?

To help make the most of your time, please bring:

your most recent annual benefit statement from the Scheme and your personal illustration (deferred statement). Both personalised statements are available to you via Aptia OneView; and
any information you have about other pension savings you’ve built up (for example, previous workplace pensions or personal pensions).

Need help?

If you have any trouble booking your appointment, please get in touch with the team via financial.education@mercer.com

Get in touch

If you have any questions about the proposed changes, please submit your query here.

Log in to OneView

You can access details about your pension benefits with the Scheme by logging into your Aptia OneView account.

Contact Aptia

If you have any specific questions about your individual pension benefits in the Scheme, get in touch with Aptia via pensionuk.aptia-group.com

Important note

This site content is not intended to be a legal promise to members, as it is only a summary of the proposed changes to benefits in the Scheme.

If there is any conflict between these details and the Scheme Rules, the Scheme Rules (as amended from time to time) will be overriding. If you want to see a copy of the Scheme Rules or have any questions concerning the contents of this document, please contact the Scheme Secretary, James Melsa via james.melsa@mercer.com

Access to more pension resources

Money & Pensions Service

The Money & Pensions Service is available at any time to give you free information and guidance on pensions, visit maps.org.uk

MoneyHelper

A free, Government-backed service offering impartial help on all aspects of money, including benefits, savings, budgeting and pension choices. It includes Pension Wise, which offers free, impartial guidance on retirement options in DC arrangements for people aged 50 and over. Visit moneyhelper.org.uk to find out more.

Gov.uk

The Government’s official website, where you can find out about everything relating to tax, pensions and the State Pension. Visit gov.uk

Department for Work and Pensions (DWP)

DWP’s website outlines government initiatives and information about retirement and pension benefits, including full details of the State Pension scheme. Visit gov.uk/government/organisations/department-for-work-pensions

Citizens Advice

Provides free, independent advice to everyone on their rights and responsibilities, and also offers free, impartial pensions guidance. Visit citizensadvice.org.uk

The Pensions Regulator

The Pensions Regulator is the body that regulates work-based pension schemes. The Pensions Regulator has no formal role in the consultation process but it can take action if employers don’t comply with the law when proposing changes like this.

While every effort has been taken to ensure the consultation is run in compliance with the law, you can contact the Pensions Regulator if you have any concerns about it.

The Pensions Regulator’s contact details can be found on their website here:

thepensionsregulator.gov.uk/en/contact-us