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Paying AVCs

Below you will find a high-level process map showing the various steps involved in commencing the payment of AVCs. For more detailed information please also see Paying AVCs Guide in the Document library.

Click on the numbers below to reveal more information about each step.

1 You complete an AVC application form

To start paying AVCs you need to complete an application form. There are different forms depending on whether you choose the in-house or commercial AVC arrangement. For more information on both these arrangements please take a look at the Guide to the Defined Benefit Section's Additional Voluntary Contributions (AVC) Arrangements.

2 You send the completed AVC application form to the DB Section Administrator

Once you have completed the relevant AVC application form you need to send it to the DB Section Administrator. Their address is on the form.

3 The DB Section Administrator checks your record to ensure in-house contribution within 15% limit where applicable

The DB Section Administrator will undertake some checks to make sure what you have requested is within the agreed limits.

4 A copy of your completed AVC application form is sent to HR

Once all the checks are completed, the DB Section Administrator will send a copy of your AVC application form to HR.

5 HR arranges for deduction of AVCs from your salary

HR will make all the arrangements to deduct your AVCs from your salary and for it to be paid to the Trustee.

6 HR notify the DB Section Administrator of total AVCs deductions each month. DB Section Administrator updates your record

Once the deductions are being made, HR will confirm this to the DB Section Administrator so your record can be updated to reflect this.

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