Your Pension - Your Future 

You’ll find sections dedicated to both final salary and ZCashBuilder on this website, however it is possible that you may hold benefits in both sections. 

If the following applies to you, you probably hold both final salary and ZCashBuilder benefits:

• I am a current employee who joined Zurich before 1 April 2007
• I am no longer employed by Zurich. I joined before 1 April 2007 and left after 31 December 2015 
• I am no longer employed by Zurich. I joined before 1 April 2007, left before January 2016 and saved extra in the Scheme after March 2007 

Prior to April 2007, the Scheme was split into 4 sections depending on who you worked for historically:

• AD Tier – Allied Dunbar Tier
• ES Tier – Eagle Star Tier
• ZI Tier – Zurich Insurance Tier
• Tier 2000 – This was a section set up for employees joining after 2000, but AD, ES & ZI Tier members could also choose to switch to Tier 2000.

From 1 April 2007 ZCashBuilder was introduced for new employees although existing members could choose to switch to ZCashBuilder. ZCashBuilder is a money purchase or defined contribution pension section and members will build up a pot of money to be used for pension benefits.

Employees who were in one of the existing final salary tiers had the choice to move to a new final salary pension section called ZPensionBuilder or to ZCashBuilder. ZPensionBuilder is now known as just final salary.