ESPS and MIS Members

If you are in the Mirror Image Scheme (MIS) section of the United Utilities Pension Scheme or the UUPLC Group of the Electricity Supply Pension Scheme these pension pages will help you to find out further information on your pension

  • Online access

    MIS members
    The Mirror Image Scheme (MIS) section of the United Utilities Pension Scheme is looked after by Willis Towers Watson. You can see your pension record held by them by logging onto the ePA (electronic pensions administration) website.

    In this site you can:
    •See your personal details
    •Obtain a quotation of what you could receive at retirement

    If you have forgotten or misplaced your username or password please contact Willis Towers Watson on 0113 394 9309

    ESPS members
    Unfortunately there is no online access for members of the UUPLC Group of the ESPS. If you wish to find out details of your pension please contact RPMI EPAL 02476 472 583

  • Paying more

    Any contribution you pay over your core amount (7.5% for MIS members and 6% for ESPS members) is classed as additional voluntary contributions (AVCs).

    •You can change/commence AVCs by completing the online pensions application form

    •You receive tax relief on AVCs and if you are in PensionSaver* you will also pay less national insurance so it may not cost as much as you think

    •AVCs are paid into a DC pot and you would need to decide where this is invested.

    *You can start/stop or amend your AVCs at any time. Any regular monthly AVCs will be made under PensionSaver if you are already in the PensionSaver scheme and make amendments on 1 April or due to a lifestyle event. If you pay a one off lump sum or change the amount and it is not because of a lifestyle event you will be opted out of PensionSaver on the AVC until the renewal date of 1st of April.

  • Thinking of retiring

    When can I take my pension?

    You can take your pension from age 55. In most cases it will be reduced to reflect early payment.

    What will I receive?

    When you retire you will receive:

    • A pension for life
    • A one off tax free lump sum

    Requesting a quote

    UUPS Members - If you want a quote please log on to your pension details held with Willis Towers Watson (ePA). You will be able to run a quotation yourself through this facility. If you then wish to take your pension benefits you will need to contact your line manager and formally put your request in writing.

    UUPLC ESPS Members- For up to date pension figures please contact RPMI EPAL. If you then wish to take your pension benefits you will need to contact your line manager and formally put your request in writing.

    Retirement sessions

    We run a half day ‘planning for retirement’ session for those employees over the age of 53. A link to the slides used in the session is provided shortly after you attend.

    You will also be able to attend a 'pre-retirement' course which provides useful information for people due to retire within 6 - 12 months.

  • Contact information

    If you have any queries please contact the Scheme Administrator

    MIS members

    Willis Towers Watson, PO Box 545, Redhill, RH1 1YX Telephone: 0113 394 9309 Email: uups@willistowerswatson.com

    UUPLC ESPS members

    RPMI EPAL Unit 2 Rye Hill Office Park, Birmingham Road, Coventry, CV5 9AB Telephone: 02476 472 583 Email: enquiries@rpmi.co.uk

Other pensions

Information on transferring other pensions into the Scheme

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