
1 

(1) These Regulations may be cited as the Contracting-Out (Protection of Pensions) Regulations 1991.
(2) These Regulations come into force on 28th February 1991.
(3) In the following provisions of these Regulations, a reference to a numbered section is a reference to the section bearing that number in the Social Security Pensions Act 1975.
2 

(1) This regulation applies where a scheme provides for the rate of a pension for the earner, or the cariner’s widow or widower, to be the greater of—
(a) a rate that is calculated by reference to the earner’s earnings, and
(b) a rate that is not calculated by reference to the earner’s earnings.
(2) For the purposes of sections 41A (earners' pensions) and 41B (widows' pensions), “the relevant sum” means an amount equal to the rate that is calculated by reference to the earner’s earnings, whether or not the rate of the pension is calculated by reference to those earnings. Sections 41A(3) and 41B(3) are modified accordingly.
3 

(1) This regulation applies where a scheme provides that the pension payable to an earner at normal pension age is to be reduced when, or after, the earner attains pensionable age.
(2) Where this regulation applies—
(a) section 41A(1) is so modified as to allow the pension to be reduced, and
(b) section 41A(3) is so modified as to allow the relevant sum to be recalculated, when the pension is reduced, without regard to the amount by which the pension is reduced.
4 

(1) This regulation applies where a scheme provides that an increased pension will be payable to the earner’s widow or widower for a period ending not later than the later of—
(a) the date 6 months after the date of the earner’s death, and
(b) if the earner dies after starting to receive a pension under the scheme, the date 10 years after the date on which the earner’s pension became payable.
(2) For the purposes of section 41B, the relevant sum is to be calculated as if the weekly rate at which the pension commences to be paid to the widow or widower did not include the increase referred to in paragraph (1). Section 41B(3) is modified accordingly.
5 

(1) This regulation prescribes the assumptions for the purpose of calculating “the relevant sum” defined in section 41B(3).
(2) For the purposes of section 41B, “the relevant sum” means an amount equal to the weekly rate at which a pension would have commenced to he paid to the widow or widower, on the assumptions that—
(a) the earner had died on the day after the termination of employment date being then married to the widow or widower, and
(b) the weekly rate of the pension was then calculated using the formula appropriate to the circumstances of the earner’s actual death but excluding, where the earner dies in employment to which the scheme applies, any notional service after the termination of employment date.
6 

(1) This regulation applies where the earner reaches normal pension age after the termination of employment date and, on the termination of employment date, no short service benefit has accrued to the earner.
(2) For the purposes of section 41C (supplementary provisions), any provision contained in a scheme that would be a protected provision in relation to short service benefit is to be treated as a protected provision in relation to any other benefit to which section 41A(3)(b) applies. Section 41C is modified accordingly.
7 

(1) This regulation applies where, before 1st January 1985, there was an enforceable agreement for the transfer of accrued rights to, or the liability for the payment of, benefits from one scheme to another. This regulation applies whether or not the enforceable agreement was subject to further agreements about the rates of benefits to be provided by the receiving scheme.
(2) For the purposes of sections 41A(6) and 41B(5), the transfer pursuant to the enforceable agreement is to be treated as made before the commencement of those sections. Sections 41A(6) and 41B(5) are modified accordingly.
8 

(1) This regulation applies where part of the pension for the earner, or the earner’s widow or widower, accrues after the earner reaches normal pension age by reason of the earner’s employment after that date.
(2) Sections 41A(2B) and 41B(3B) are so modified as to require the earner’s later earnings level to be calculated as if the earner’s termination of employment date had fallen on the earlier of—
(a) the earner’s commencement of payment date, or
(b) the date on which the pension ceased to accrue under the scheme.
9 

(1) This regulation applies for the purposes of section 41E (which deals with applications to the Occupational Pensions Board for advice on any questions concerning the protection of pensions provisions).
(2) In section 41E, “employer”, “member” and “prospective member” mean the same as in regulations 2 and 3 of the Occupational Pension Schemes (Preservation of Benefit) Regulations 1991.
(3) In addition to the persons referred to in paragraphs (a) to (d) of section 41E(2), the widow or widower of any member of the scheme is competent to make an application under that section in respect of the scheme.
10 
The Regulations specified in Column 1 of the Schedule to these Regulations are revoked to the extent specified in Column 2.
Signed by authority of the Secretary of State for Social Security.
Nicholas Scott
Minister of State,
Department of Social Security
1st February 1991.
SCHEDULE
Regulation 10


Column 1 Column 2
Regulations Extent of Revocation
The Contracting-out (Protection of Pensions) Regulations 1984 (S.I.1984/1921) The whole of the Regulations.
The Contracting-out (Protection of Pensions) Regulations 1985 (S.I. 1985/1927) The whole of the Regulations.
The Personal and Occupational Pension Schemes (Consequential Provisions) Regulations 1987 (S.I. 1987/1114) Regulation 5.
The Contracting-out (Miscellaneous Amendments) Regulations 1988 (S.I. 1988/475) Regulation 3.
The Personal and Occupational Pension Schemes (Miscellaneous Amendments) Regulations 1990 (S.I. 1990/1141) Regulation 4.