No, they can’t. They equally can not change the rules of the Scheme, if such a change is intended to permit any refund of amounts contributed to the scheme to the employer.

No.  If you are a member of the Scheme and you are in active employment of the participating employer, you can not withdraw any money from your Allocation Account.

If you are dismissed from the participating employer’s service for dishonesty, theft or fraud committed by you or by another person with your collusion which results in the loss to your employer and judgment has been obtained in any competent court, the Employer may request the Trustees to recover the loss from your Accumulated Credit.

Yes, you can change the list of the nominated beneficiaries at any time, whilst you are an employed member of the scheme. You may equally change or cancel nomination of a beneficiary or beneficiaries to receive lump sum death benefits. It is important that you keep these nominations up-to-date.

Yes. The decision to make Additional Voluntary Contributions (AVCs) to the pension scheme is purely personal.  Subject to the agreement of the Trustees, you may be permitted to change the rate of the Additional Voluntary Contributions makes. But any such changes are only permitted at the beginning of the financial year of the scheme.

No. Any attempt to do so could result in the loss to you of your benefits. Under no circumstances will the Trustees pay any monies that are due to you to an assignee.