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Welcome – you’re off to a great start.
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Helping your savings to grow.
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Now’s the time to check your progress.
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Start thinking about your retirement choices.
PLAN
Making your retirement happen.
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HELLO

It’s never been more important to save for the future, and being in the Plan is a great start. Your membership of the Plan is one of your most valuable employee benefits.

HOW THE PLAN WORKS
See how it all works in our video:

PLAN ESSENTIALS CHECKLIST
3 things to do today
Making sure your account details are complete and up to date only takes a few minutes.

Register for Manage my pension

Manage my pension is the easy way to keep track of your Plan savings. You can log in at any time on any device to check your fund balance, review your details, nominate your beneficiaries, choose a target retirement age, change your contribution rates or review your investments. 

Select Manage my pension from the top of the page and follow the onscreen instructions to register now.

Review your nomination of beneficiaries

Knowing who’s important to you is important to us. If the worst happened, who’d get the money in your pension fund? Remember to check and reconfirm your nomination every two years or whenever your circumstances change, such as if you get married or divorced, or have a child.

Choose a target retirement age

Even if retirement is a long way off, you should still choose a target retirement age. You’re not tied into this and can change your mind whenever you like. Having a target retirement age will focus your saving and could even help save you money. You can pick any age from 55, although from April 2028, the government is raising this to age 57. 

We use your target retirement age to help us manage your investments if you don’t manage them yourself. When you’re a long way from retirement, your savings are invested to help them grow. As you get closer to retiring, your money is automatically and gradually moved into less risky investments to help protect their value.

IF THINGS CHANGE

What happens if you leave?

The money saved in your pension fund belongs to you. If you leave Cummins, you can keep your savings in the Plan until you’re ready to take them, or you can transfer them to another pension arrangement, for example, with your new employer or into a personal pension plan.

What happens if you die?

If you die before your take your Plan savings, your pension fund will be paid to your beneficiaries as a lump sum. To help the Trustee pay the right people, it’s important you tell us who you’d like them to consider as beneficiaries by completing a nomination form. You can do this by logging in via Manage my pension.

If you die while you’re in service with Cummins and an active member of the Plan, your beneficiaries will also receive a lump sum of five times your basic annual salary. (If you’ve opted out of the Plan, this benefit is reduced to one year’s salary.)