If you lived and worked in the UK when you contributed to the Scheme, you were contracted out of the State Second Pension (S2P), formerly known as State Earnings Related Pension Scheme (SERPS) and paid lower rate National Insurance contributions.
For the period that you contributed to the Scheme, when you reach your Guaranteed Minimum Pension (GMP) age, WTW will carry out a number of additional calculations to ensure that the pension benefits you receive from the Scheme meets your GMP.