Financial Journalist. Barclays 1964 Scheme Joined Scheme in September 1983 Left Barclays in January 1988 GMP 135.20 Stated deferred increases of GMP 8.5% per annum Future Value of GMP when 60 at 8.5% compounded growth (36 years) = 2,349.72 Barclays state the pension is made up solely of GMP I am 55 in August Transfer Value 58,220.39 That 10000 includes the GMP. international legion of territorial defense of ukraine pay. Where a pension scheme uses this method of revaluation, it must be applied to all early leavers whose GMP rights are retained in the scheme from the point that the scheme opted to use fixed rate revaluation. These increases ended when the new State Pension started. See below for more information about the current position. Access a choice of advisers from Quilter or the whole of the market. Aneesha looked into whether she could claim back some of the tax she paid on the additional payment. Pensions analysis: In a judgment handed down on 14 January 2022, Mr Justice Trower held that rules governing pension revaluation in two deeds of the De La Rue Pension Scheme required affected members' pensions to be revalued in deferment in accordance with the minimum statutory requirements under the Pension Schemes Act 1993 (PSA 1993) (the . Jamils scheme is a money purchase arrangement and the scheme provided a GMP underpin, or guarantee. who would win in a fight libra or sagittarius; advanced spelling bee words for adults; san antonio spurs coaching staff 2021; eeoc notice of appearance form; A GMP can also be revalued to a current date if,. The Pensions Act 2007 allowed contracted-out occupational pension schemes to convert members GMP in to ordinary scheme benefits. For example, a member who left pensionable service on 1 March 1996 and retired on 1 May 2021 would have their non-GMP benefits revalued for 23 complete years. How GMP affects you If you worked between 6 April 1978 and 5 April 1997, you would have been contracted out of the State Earnings Related Pension Scheme (SERPS). There's also guidance on the types of pensions - including for the self . Simply click the button below, fill in the form and our technical team will aim to be in touch within 48 hours, between 8.30am-4.30pm, Monday-Friday. 2min read. It is possible to defer taking GMP benefits to a later date. Welcome to the Farm! Scheme rules may provide for it to cease on remarriage before state pension age, or in other circumstances and should therefore be checked with the scheme. Basic State Pension. Barclays 1964 Scheme Joined Scheme in September 1983 Left Barclays in January 1988 GMP 135.20 Stated deferred increases of GMP 8.5% per annum Future Value of GMP when 60 at 8.5% compounded growth (36 years) = 2,349.72 Barclays state the pension is made up solely of GMP I am 55 in August Transfer Value 58,220.39 Agree change to application of deferred revaluation. This has been treated as a plan amendment and therefore a past service cost, resulting in an exceptional charge of 3.5m. It tops your income up to 182.60 a week for a single person or 278.70 for a couple, where it's below these figures (2022/23 rates). Always remember anyone can post on the MSE forums, so it can be very different from our opinion. The following sets out in detail the rules applying to Guaranteed Minimum Pensions (GMP) applicable to members of contracted-out defined benefit schemes with pre-6 April 1997 service. Were here to help you when you need us the most. There, are several different methods possible, but although guidance has been issued as to how the equalised benefits are to be treated, for example in relation to Lifetime Allowance protections, it is a decision to be made by the Trustee as to how this is to actually be done. Accrued GMP rights may be transferred overseas to a qualifying recognised overseas pension scheme (QROPS), subject to certain requirements. This is your employment contract https://www.drugonsale.com kamagra "The talk we've been hearing that the second half is goingto be better than the first, we saw some follow-through on that.The ISM showing expansion in a lot of different areas is one ofthe main reasons why Wall Street (was) rallying today," saidBrian Amidei, managing director at HighTower Advisors in PalmDesert, California. We've created guidance which covers what pensions are and what advantages they have over regular savings accounts. Find out more about having an online account, logging in, and getting set up. We use some essential cookies to make this website work. Were working through the implications of the High Court judgment in November 2020 on how to treat transferred benefits as part of our GMP review. Date of birth 29 December 1951 Access a choice of advisers from Quilter or the whole of the market. Preservation came into effect on 6 April 1975. Dont worry we wont send you spam or share your email address with anyone. Contribute to Guy/uri_nlp_ner_workshop by creating an account on DAGsHub. Menu; Member login; Jump to content; The Trustee of the Barclays Bank UK Retirement Fund (the UKRF) . : DkHVUeeHZ: Another service? Total GMP = 30.33. Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of the year. For the post 88 GMP the increase would be applied after providing the escalation rate of CPI/3% per annum which takes effect from the next 6thApril after the member reaches their GMP age. Limited revaluation is based on the increase in the National Average Earnings Index each year, limited to 5.00% pa. Quilter Financial Advisers is here to help you achieve your financial goals. To help us improve GOV.UK, wed like to know more about your visit today. Managers are reasonably optimistic on European equities with 63% predicting positive performance in the EuroStoxx 600 in 2013 and 25% expecting returns in excess of 10%; and Pension funds . Polycystic ovary syndrome is an extraordinarily prevalent lifelong disorder that many women don't know they have. This means the State Pension has increased by 16.80 a week more (based on 2021 to 2022 rates) than people could have expected. When a scheme applied limited revaluation a Limited Revaluation Premium (known as a LRP) was paid to the Department for Work and Pensions by the scheme when a member left service. However, the ceding scheme must ensure that the full GMP liability can be met first. Afterwork is not included in the GMP review as GMPs did not build up during her membership of the scheme. It only applied to people reaching State Pension age before 6 April 2016. a) any increase due to postponement after the GMP payable state pension age, andb) any increases to the GMP from the GMP payable state pension age. Any changes to your pension mean you will need to check your tax position too. She is now age 51 and still works at Barclays. Discover how GMP equalisation is affecting the UK pension industry and what it means for the Barclays Bank UKRF. Find all the information you need about the Quilter Investors funds. Each year pension schemes have to increase the amount of GMP built up from April 1988 to April 1997 in line with living costs, this is capped at 3%. The timing for our review is to be agreed. . June 22, 2022 . barclays 1964 pension scheme gmp revaluation barclays 1964 pension scheme gmp revaluation. You were a female member of the Barclays 1964 Pension Scheme. The full-year 2020 operating result increased to EUR 1,889 million from EUR 1,794 million in 2019, which included a total of EUR 121 million of non-recurring benefits, versus a total of EUR 24 million of non-recurring benefits in 2020 Excluding these items, the increase mainly reflects the higher investment margin at Netherlands Life driven by the shift to higher yielding assets, partly offset . If you have a Guaranteed Minimum Pension (GMP) the new State Pension could affect the amount of money you get when your reach your State Pension age. Investing is all about giving your money the best opportunity to grow. wecu customer service / junio 14, 2022 . Ests aqu: kerala blasters 2021 22; jeff nichols sfas program; barclays 1964 pension scheme gmp revaluation; 10 junio, 2022 . It is the minimum pension which an occupational pension scheme must provide as one of the conditions of contracting out. what you will be able to withdraw in retirement. What Is A Nosy Person Called, Then x + y+ z =10000. Date effective Single Person Married Couple; per week per annum* per week per annum* April 2022 : 141.85: 226.85: April 2021: 137.60: 220 . They are: Section 148 orders revalue the guaranteed minimum pension broadly in line with National Average Earnings. Where your selected retirement age is not SPa, the amount of 2015 Scheme pension shown includes . Your 'pension fund value' is simply the official term for the amount of money available in your pension pot at any given time, i.e. Speak to an expert today Get Started AstraZeneca says it is "unprecedented" the world has produced multiple vaccines in a year, after the EU approved its jab; Prof Andrew Pollard, director of the Oxford vaccine group, adds . Any option or election under Conditions 2, 3, 5 and 6 as is applicable to this Policy may only be exercised to the extent that there shall remain an annuity payable to the Annuitant of not less than the Guaranteed Minimum Pension revalued to State Pension Age and an annuity payable to the widow of the Annuitant of not less than the Spouse's . Find out how GMP equalisation works for different UKRF pensioners. nike 2 nn dq4127-100 Maria joined the Mercantile Plan in 1995 when she was 25 so she built up a GMP between 1995 and 1997. This contrasts with the pension transfer value, which is its equivalent amount if moved to another provider. Dont include personal or financial information like your National Insurance number or credit card details. This method is not often used in private sector schemes as the liability to the trustees would be unknown and unlimited. Any person who is the surviving partner of a same sex marriage under the Marriage (Same Sex Couples) Act 2013, will receive the same benefit entitlement as a surviving civil partner. There is also the option to enter a GMP Bridge, which will allow the system to increase the GMP at one rate until GMP age, then at another rate afterwards. On transfer to a money purchase scheme (non-GMP basis) or a personal pension, the GMP will be converted to scheme rights. Check benefits and financial support you can get, Find out about the Energy Bills Support Scheme, Social Security Revaluation of Earnings Factor Order, Social Security Revaluation of Earnings Factors Order, Occupational Pension Schemes (Schemes that were Contracted-out) (No 2) Regulations 2015 (SI 2015/1677), Transfer your scheme members contracted-out pension rights, Pension schemes: request GMP calculations by uploading CSV files, Guaranteed Minimum Pension (GMP) conversion and equalisation, How pension scheme administration is affected by the ending of contracting-out, obtain the earnings factors from the employees contracted-out, round up the contracted-out part of contributions paid before 6 April 1985, round up to the next multiple of 10 pence, unless it is already a multiple of 10 pence any contributions paid in the 1985 to 1986 and 1986 to 1987 tax years are not rounded. Quilter cannot accept any responsibility for any action taken or refrained from being taken as a result of the information contained in this article. We automatically scan the web for coupons and discount codes to apply to your order. A row is deepening over the allocation of Oxford/AstraZeneca vaccine after the company announced delays to its EU operations. It is based on Quilter's interpretation of the relevant law and is correct at the date shown. When you took your pension, there would have been an actuarial reduction. Summary. Just another site. united states securities and exchange commission washington, d.c. 20549 _____ form 20-f (mark one) registration statement pursuant to section 12(b) or (g) of the securities exchange act of 1934 10 years' gives 10/35 x 185.15 = 52.90 a week. The total number of branches increased to 48, this included new branches in Horana, Kekirawa, Padaviya, Mannar, Embilipitiya, Kahatagasdigiliya, Ragala and Talawakelle. Widower/Civil Partner's GMP is half that part of the GMP, to which the member was entitled (or prospectively entitled if benefits have not yet been taken) at date of the member's death, attributable to the tax year 1988/89 and subsequent tax years. There is no way in the world you're going to get 25 Republicans to go on that, and having said that, I wouldn't go out because [Democrats are], as I said, not bargaining in good faith here right now. David will be considered as part of this process. File: 101700695.pdf [] Unique Key,Old Business Name,New Business Name,Date Name Changed 001t000000Wmv4gAAB,"SOUTHEND KNIGHTRIDERS YOUTH CENTER, INC.","COMPASS YOUTH COLLABORATIVE, INC.",08 . "i'm very focused on improving my health with diet control, exercise, following my medication directions from my doctor and thinking positive thoughts. Must be revalued from the date the memberleaves pensionable serviceuntil their GMP State Pension Age (60 for women and 65 for men). Your GMP is the minimum amount of income that this workplace pension must provide you in retirement. John joined the 1964 Pension Scheme in June 1997 when he was 40. Contribute to Guy/uri_nlp_ner_workshop by creating an account on DAGsHub. Put the right plan in place for a comfortable retirement with our pension services. barclays 1964 pension scheme gmp revaluation Copyright 2023 Willis Towers Watson. paul ehrlich acid fast staining 2 via de boleto Date of birth 29 December 1951 The latest news from the Barclays Bank UK Retirement Fund. Affected Aneesha was affected, so we increased her pension to allow for the effect of unequal GMPs. Or call the team on 02380 726010. There are three different methods that can be used: Limited revaluation only applies if a member left service before 6 April 1997. Closed to new entrants. This study examines,pensions portability and the preservation of pensions rights in the U.K. We review the economic,theory underlying pension schemes,and the arguments for and against . We will check that we are treating benefits equally for men and women when working out pension increases in future. He became a deferred member of the Barclays scheme in April 2016. Years in working life 38 years Senator House85 Queen Victoria StreetLondonEC4V 4ABUK, We need to know a little bit more about you. You might have a Guaranteed Minimum Pension (GMP) only if you were a member of a defined benefit (final salary) public sector pension scheme between 1978 and 1997. Check to see if we can help you with a complaint or dispute about a pension scheme provided by your employer or a pension you have set up yourself. Before then, it can only be commuted on the grounds of serious ill health. We also use cookies set by other sites to help us deliver content from their services. (SPa). Closed to new entrants. what you will be able to withdraw in retirement. GMP equalisation: Barclays Bank UK Retirement Fund 'GMP equalisation' is the name for the process of reviewing the pensions that people built up between 17 May 1990 and 5 April 1997 and changing them where necessary so that men and women are treated the same overall, in spite of the unequal GMP element. Or, you can jump straight into your own pension pages (logging in from this page). To be contracted out an individual had to be earning at least the amount of the lower earnings level and paying or treated as paying standard rate Class 1 national insurance contributions on those earnings. Series editors Samuel O. Idowu, London Metropolitan University . The latest news from the Barclays Bank UK Retirement Fund. Transfers of GMP rights to COSR, money purchase scheme on a GMP basis and Section 32 policies must remain as GMP benefits. Pensions analysis: In a judgment handed down on 14 January 2022, Mr Justice Trower held that rules governing pension revaluation in two deeds of the De La Rue Pension Scheme required affected members' pensions to be revalued in deferment in accordance with the minimum statutory requirements under the Pension Schemes Act 1993 (PSA 1993) (the . Or call the team on 02380 726010. This case involves two interrelated sets of proceedings concerning the Barclays Bank UK Retirement Fund ("the Fund"). GMP accrued from 6/4/1988 onwards - increases in line with CPI, max 3.00% pa. 1080 Lm ng l knh thng tin v di ng, mng internet, thng tin truyn thng s trn a bn tnh Lt, Lm ng. In general, statutory style schemes (e.g. It will take only 2 minutes to fill in. PCOS AWARENESS MONTH. houses for rent . This study examines,pensions portability and the preservation of pensions rights in the U.K. We review the economic,theory underlying pension schemes,and the arguments for and against . Opportunity to grow You have the opportunity to grow your retirement benefits further by making Additional Voluntary Contributions (AVCs). Menu mayberry funeral home lewisburg, tn. along these lines? He then started drawing his pension in 2015. Well send you a link to a feedback form. Were here to help you when you need us the most. The following sets out in detail the rules applying to the Guaranteed Minimum Pensions (GMP) that apply to members with pre 6 April 1997 service in a defined benefit contracted-out scheme. The GMP requirements applicable to the original scheme equally apply in the new scheme, i.e. Pension. The pension scheme may offer a more favourable revaluation rate than the statutory minimum. Where fixed rate revaluation is used the GMP amount at date of leaving is revalued by the relevant compound fixed percentage for each following tax year up to the last complete tax year before the tax year in which GMP payable age is reached (65 for men and 60 for women). The full-year 2020 operating result increased to EUR 1,889 million from EUR 1,794 million in 2019, which included a total of EUR 121 million of non-recurring benefits, versus a total of EUR 24 million of non-recurring benefits in 2020 Excluding these items, the increase mainly reflects the higher investment margin at Netherlands Life driven by the shift to higher yielding assets, partly offset . The GMP amount at date of leaving is revalued by: In this example the percentage for 1991 to 1992 in the 2015 section 148 order is used, that is, 132.2%. Whether a client wishes to know the transfer value of these benefits or understand what their eventual pension entitlement might be, it is important to understand how the pre-April 1997 contracted-out element of the preserved benefit entitlement works. As an alternative to providing full revaluation in line with section 148 orders, the scheme can revalue the GMP at a fixed rate each year - known as fixed rate revaluation. You have rejected additional cookies. barclays 1964 pension scheme gmp revaluation. tullow-oil-2014-annual-report Pensions basics. . Access a wide range of award-winning products and services to help you meet your financial goals. Tullow Oil 2014 Annual Report and Accounts - Free ebook download as PDF File (.pdf), Text File (.txt) or read book online for free. Defined benefit pensions schemes that were Contracted-out Salary Related (COSR) schemes before contracting-out ended on 6 April 2016 need to provide a Guaranteed Minimum Pension (GMP) to members for contracted-out service between 6 April 1978 and 5 April 1997. If you have a public sector pension any indexation you built upfrom April 1978 to April 1988is protected. Contracting-out on the money purchase basis was abolished from 6 April 2012 and members protected rights were converted into ordinary money purchase benefits from that date. In normal circumstances, the earliest age is 65 for a man and 60 for a woman. Guaranteed minimum pension (GMP) rights that are not yet in payment must be revalued in line with statutory requirements. Where a member of a formerly contracted out pension scheme leaves the scheme before pensionable age (an "early leaver"), the scheme must revalue their GMP until it becomes payable at. This tables shows a broad comparison of benefits and considerations of QROPS for UK residents and non-residents compared to a standard UK registered pension scheme. Welcome to The Pensions Ombudsman. Luxembourg Market Filings. David joined the 1964 Pension Scheme in 1990 and left in 1995 when he left Barclays employment. min of Limited Price Indexation (LPI) (Consumer Prices Index (CPI)* max 5.00% pa) for each complete year in deferment for pension accrued from 1/1/85, Stat. Discover a range of portfolios that offer you a choice of investment outcomes. The GMP requirements applicable to the original scheme equally apply in the new scheme, i.e. SW1H 9NA. calculate the earnings factor by dividing the contribution by the contracted-out percentage for that year since 6 October 1985, round up the result to the nearest penny, with 0.5 pence rounded up, round up the total earnings factor for each year to the nearest pound, with 50 pence rounded up, beginning with 6 April 1978 or, if later, the 6 April, on or immediately before the employees 16th birthday, ending with the 5 April before the date of the 60th birthday for women or 65th birthday for men, increase the earnings factors and earnings in line with the rise in national average earnings by using the appropriate, the total number of years in working life (from 6 April 1978 or, if later, 6 April before 16th birthday), the total number of years in working life (from 6 April 1978 or 6 April following 16th birthday if later), use the order made in the tax year in which contracted-out employment or, for post 2016 leavers, pensionable service ends, apply revaluation to the contracted-out earnings factors for all tax years before the tax year of leaving, the earnings factor for the tax year of leaving is not revalued, for periods of contracted-out employment that end after 5 April 1997, the only contracted-out earnings that will be used to calculate the, use the order made in the tax year before the tax year in which death occurred, or, apply revaluation to the contracted-out earnings factors for all tax years before the tax year in which the order was made the earnings factor for the tax year in which the order was made is not revalued, do not take into account the earnings factor for the tax year of death or the tax year in which, ignore any contracted-out earnings for the 1997 to 1998 or later tax years, from the tax year following that in which contracted-out employment terminated or post 2016, pensionable service ended, to the tax year in which the event occurs, 5% compound for each relevant tax year after the tax year that the member left contracted-out employment, up to and including the tax year before, the percentage relevant to the tax year of leaving as shown in the section 148 order issued in the last complete tax year before the tax year in which. File: 101700695.pdf [] At this point the Scheme Administrator should be able to give him the figures for his pre 88 GMP (x), his post 88 GMP (y) and the excess (z). Surpluses within the with-profit funds and the Group Pension Schemes, whilst not included in the Solvency II surplus, are available to absorb economic shocks. Elizabeth West Obituary, min of LPI (CPI* max 5.00% pa**) for each complete year oftotalexcess pension accrued. A bridging pension will need to be added for the same amount as the GMP benefit and the GMP Bridgeoption selected. Barclays 1964 Scheme Joined Scheme in September 1983 Left Barclays in January 1988 GMP 135.20 Stated deferred increases of GMP 8.5% per annum Future Value of GMP when 60 at 8.5% compounded growth (36 years) = 2,349.72 Barclays state the pension is made up solely of GMP I am 55 in August Transfer Value 58,220.39 We review the economic,theory underlying pension schemes,and the arguments for and against more pensions portability. 1965 Some departments of the Bank were relocated to the GCSU building in Sir Chittampalam A. Gardiner Mawatha, Colombo 2. We believe people are more likely to reach their financial goals if they receive financial advice. No. 19 Sep 2019; ONE IN EVERY 10 WOMEN has Polycystic Ovary Syndrome, a disorder that is the leading cause of female infertility. barclays 1964 pension scheme gmp revaluation barclays 1964 pension scheme gmp revaluation . The Pensions Act 2004 amended this requirement so that the LPI ceiling for the portion of the pension attributable to post-6/4/05 pensionable service is reduced to 2.50%. Read more about how the UKRF works and who's working for you. A relevant tax year is any tax year after the tax year of termination of COSR employment or, if after 6 April 2016, leaving pensionable service. !! For the purpose of the revaluation of benefits payable to or in respect of persons who attain their scheme's normal pension age in 2022, and as required by paragraph 2 of . If you are under State Pension age, use the Check your State Pension forecast service to find outhow much State Pension you could get. The page you were trying to view is not available for your role. The total number of branches increased to 48, this included new branches in Horana, Kekirawa, Padaviya, Mannar, Embilipitiya, Kahatagasdigiliya, Ragala and Talawakelle. The GMP for both the member and widow/er (which be-tween 6 April 1978 and 5 April 1997 schemes had to provide in order to contract out of SERPS) has to be revalued between the leaving date and state pension age : jHDdhIviT: A pension scheme thincal 120 mg orlistat fiyat "I know Sascha was very responsible. Part of Plan your retirement income: step by step This resulted in an increased obligation in two of our defined benefit pension schemes via an amendment to the scheme benefits. Menu; Member login; Jump to content; The Trustee of the Barclays Bank UK Retirement Fund (the UKRF) . Got a question about GMP equalisation? Retirement. : DkHVUeeHZ: Another service? What is a Guaranteed Minimum Pension (GMP)? Updated 24 March 2022. Agree change to application of deferred revaluation. Earnings factors must be revalued by using the yearly Social Security Revaluation of Earnings Factors Order. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. An icon used to represent a menu that can be toggled by interacting with this icon. New deferred new scheme benefits at SPA for retirement at 55 incorrect, should be deferred revals to SPA only, no ERF. Patrick Murphy Gaelic Storm Wife, To stop people with GMPs losing out they could be paid increases to cover living costs through the Additional State Pension. 2 minute read. You were a female member of the Barclays 1964 Pension Scheme. It means some people who had been contracted out can build up a maximum of over 2,150 a year more pension (based on 2021 to 2022 rates) than they could under the old State Pension. Editor, Marcus Herbert, Pensions, annuities & retirement planning, https://forums.moneysavingexpert.com/discussion/comment/78414702/#Comment_78414702, https://forums.moneysavingexpert.com/discussion/comment/78415781/#Comment_78415781, https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/210299/single-tier-valuation-contracting-out.pdf. Since 2011, the new State Pension has increased each year to reflect living costs, by whichever is higher of: This is known as the Triple lock. Were here to help you plan and manage your investments so you can lead the life you want for you and your family. Your GMP is part of your pension from the date you're eligible to get your . . Since the introduction of the single tier state pension, this no longer applies and there is no increase on top of the fixed rate of revaluation provided by the scheme. To do this, tick the box Ignore until GMP agebelow the GMP benefit. Dependent on the period GMP accrued. To do this, tick the box Ignore until GMP agebelow the GMP benefit. Future you will thank you for saving into a pension - but if you're new to thinking about retirement, this section is for you. This tables shows a broad comparison of benefits and considerations of QROPS for UK residents and non-residents compared to a standard UK registered pension scheme. However, past accruals remain and a scheme that was contracted-out must still provide a pension at least as. along these lines? Access a wide range of award-winning products and services to help you meet your financial goals. overpaid mortgage interest refund. The first December after age 60 RPI is 5% - therefore the pension becomes 10500 per annum. barclays 1964 pension scheme gmp revaluation. If a member leaves the scheme before retirement, their accrued GMP entitlement is still revalued each year up to age 60/65. Using the details at example A, where the member will reach GMP payable age (65) on 29 December 2016, the last complete tax year before this is 2015 to 2016. Types of GMP benefits and death benefits. There is no requirement to have retired before taking benefits. *The Pensions Act 2011 changed the statutory minimum from Retail Prices Index (RPI) to CPI with effect from 6 April 2011 for revaluation after that date. Aneesha joined the 1964 Pension Scheme in June 1988 when she was 38. Aneesha was affected, so we increased her pension to allow for the effect of unequal GMPs. While we believe this interpretation to be correct, we cannot guarantee it. She's now 71 and receiving her pension. Ren Schmidpeter. Any option or election under Conditions 2, 3, 5 and 6 as is applicable to this Policy may only be exercised to the extent that there shall remain an annuity payable to the Annuitant of not less than the Guaranteed Minimum Pension revalued to State Pension Age and an annuity payable to the widow of the Annuitant of not less than the Spouse's .
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