For specific information about the DB scheme, please contact the administrator, Railpen.

Railpen
2 Rye Hill Office Park
Birmingham Road
Coventry
CV5 9AB

Telephone: 02476 472 580
Email: enquiries@railpen.com 

For specific information about DC benefits, including AVCs paid to LifeSight, contact

The Lifesight Team,
Willis Towers Watson
PO Box 758
Redhill
Surrey
RH1 9GT

Telephone: 01737 230 444
Email: lifesightsupport@wtwco.com 

The Pensions Team manages the operation of the company pension arrangements and assists the company on pensions-related issues.

Electricity North West
7^th Floor, Linley House
Dickinson Street
Manchester
M1 4LF

Telephone: 0843 311 4530
Email: pensions@enwl.co.uk

To report a member's death, please contact the scheme administrator, using the details below. 

If the member was in the DB scheme, call Railpen on 02476 472 580, or email enquiries@railpen.com. 

If the member had DC benefits, call LifeSight on 01737 230 444 or email lifesightsupport@wtwco.com

The administrator will need to know the member’s full name, date of birth, National Insurance number, date of death and confirmation of who should be contacted going forward.

The person dealing with the member’s affairs will also need to send the administrator the member’s death certificate and a copy of the will, if one is available.

General pension and financial queries

For help on general pension queries, or for information and guidance on financial products, visit MoneyHelper. 

The government offer free and impartial guidance on defined contribution pension options (including Additional Voluntary Contributions), to over 50s. You can find out more with MoneyHelper's Pension Wise service.

Independent financial advice

The Company, the Trustee, nor your pension administrators can offer financial advice.

A list of independent financial advisers in your area can be found at unbiased.co.uk.

For details about State benefits visit GOV.uk.
​
The Pension Tracing Service can help you find contact details to search for a lost pension. 

If you are ready to retire, there are various options available to you for taking your benefits from the Electricity North West Group of the ESPS (the Scheme).

These options will be explained, in detail, in the retirement pack sent to you by the Scheme administrator, Railpen, when you ask to start the retirement process.

It’s important you take the time to understand all of the options available to you, and to consider your personal circumstances and retirement goals.

The Trustee have selected Origen Financial Services (Origen) to provide you with advice on your retirement options at preferential rates. You can learn more about Origen and how to contact them in your retirement pack.

You don’t have to use Origen and you can use your own financial adviser if you prefer, however if you choose to do so you will not benefit from the preferential rates negotiated with Origen by the Trustees.  

Visit the taking your benefits page for more information.