The government has published its final offer on public sector pension reform.
Last week, union negotiators agreed to take the new details back to their membership for approval, but spokespeople urged their members to reject the deal.
The Public and Commercial Services (PCS) union claimed the government will continue to negotiate if unions refuse the latest deal.
The details of the latest offer are below. The government has proposed to set up all of the schemes on a career average basis, with a normal retirement age equal to the state pension age, within an employer cost cap.
Principal Civil Service Pension Scheme (PCSPS)
In December the government proposed an accrual rate of 2.28% of pensionable earnings per year, and has now proposed this is lifted to 2.32%.
In exchange for this, the government has offered to implement a floor on the costs of the scheme as well as a ceiling; ensuring members' benefits will still improve if the value of the scheme falls.
The rest of the proposals remain the same as those in December.
Teachers' Pension Scheme (TPS)
The majority of the government's proposed reforms of the TPS have remained the same as in the last round of negotiations.
However the government has proposed some concessions on provision for early retirees and people who leave and re-enter the scheme.
This time it has proposed to introduced phased retirement arrangements reflecting members in the current scheme, with the additional option of a third drawdown of benefits after a member's 60th birthday.
The government proposed members who leave the scheme and return within five years will have their accrued service in the current scheme linked to their final salary at retirement.
Those in the new scheme with a normal pension age of over 65 would be allowed to pay extra contributions to reduce or even remove the early retirement penalty that might apply, allowing them to retire before their normal pension age.
NHS Pension Scheme (NHSPS)
The government's proposals on the NHS scheme have remained largely unchanged from December.
However, whereas it originally only proposed to use early and late retirement factors on an actuarially neutral basis in the new scheme, the government has now offered more flexibility here.
In the new proposals, the government has offered to add in the flexibilities of the 2008 version of the scheme to the new scheme.
These flexibilities include the option for members to draw down some of their pension during partial retirement, and to retire and then to return to the scheme if they wish.
The government has also offered NHS scheme members the option to make additional contributions in order to reduce their early retirement penalty, as in the TPS.
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