Page 38 - Group Insurance and Retirement Benefit IC 83 E- Book

branches of the public service require to be considered simultaneously. I have outlined

only what appear to me to be the main issues affecting the problem. There are numerous
minor questions that suggest themselves; e.g. it might be considered that the right to

reckon previous service should in all cases be subject to the repayment of any
contributions returned; or, again, some simplification in the taxation position might be

sought.
I should add that all opinions expressed in this paper are personal to myself, and must not

be taken as representing in any way the views of the London County Council.

10 The Development of Public Superannuation Schemes
APPENDIX I

Outline of the main features of principal schemes applicable to general classes of public

servants, where maximum pension can be secured after 40 years' service Introductory.
The schemes will be considered in the following order:

(a) Civil Service
(b) Local government (except as (c), (d) and (e) below)

(c) Poor Law
(d) Mental hospitals, etc.

(e) Teachers

(/) National Health Service
(g) Public boards

(h) Modifications by reason of State Insurance benefits
(j) Pensions (Increase) Acts

There are several threads to trace, sometimes parallel, but frequently intermingled.
Generally speaking, the Civil Service schemes have set the pattern. Where a scheme has

been materially altered, existing contributors at the time have almost invariably been

allowed an option to retain former conditions or to transfer to the new scheme. In general,
where the new scheme introduces a lump sum on retirement and a benefit (other than

return of contributions) on death in the service, the lump sum is increased by 1/2% for

each year of service completed at the date of alteration.
(a) Civil Service schemes have throughout been non-contributory and unfunded.