Improving your benefits

We offer two simple ways of topping up your benefits. These are:

• additional voluntary contributions (AVCs)
• additional pension contributions (APCs)

Whichever method you choose, the extra contributions will come straight out of your pay. Because they all count as pension contributions, you get tax relief if you are a tax payer.

You will have to pay the full cost yourself, as unlike your normal benefits, these extra benefits aren’t subsidised by your employer.