http://www.legislation.gov.uk/ukpga/1993/49/section/95Pension Schemes (Northern Ireland) Act 1993 An Act to consolidate for Northern Ireland certain enactments relating to pension schemes, with corrections and minor improvements under the Consolidation of Enactments (Procedure) Act 1949.texttext/xmlenStatute Law Database2026-05-05Expert Participation2026-04-06 Pension Schemes (Northern Ireland) Act 1993s. 42APensions Act (Northern Ireland) 2015Sch. 12 para. 79s. 53(3)Pension Schemes (Northern Ireland) Act 1993s. 90(2A)(a)(ix)Pensions Act (Northern Ireland) 2015Sch. 18 para. 9(2)(a)s. 53(1)art. 2(1)(n)Pension Schemes (Northern Ireland) Act 1993s. 90(2A)(a)(viii)Pensions Act (Northern Ireland) 2015Sch. 17 para. 19(2)(a)s. 53(1)Pension Schemes (Northern Ireland) Act 1993s. 90(2A)(b)(vi)Pensions Act (Northern Ireland) 2015Sch. 17 para. 19(2)(b)s. 53(1)Pension Schemes (Northern Ireland) Act 1993s. 90(2A)(b)(vii)Pensions Act (Northern Ireland) 2015Sch. 18 para. 9(2)(b)s. 53(1)art. 2(1)(n)Pension Schemes (Northern Ireland) Act 1993s. 97AI(7)(a)(x)Pensions Act (Northern Ireland) 2015Sch. 17 para. 19(4)(a)s. 53(1)Pension Schemes (Northern Ireland) Act 1993s. 97AI(7)(b)(viii)Pensions Act (Northern Ireland) 2015Sch. 17 para. 19(4)(b)s. 53(1)Pension Schemes (Northern Ireland) Act 1993s. 21APensions Act (Northern Ireland) 2008Sch. 4 para. 9Sch. 4 Pt. 3s. 13(4) 21(1)art. 2Pension Schemes (Northern Ireland) Act 1993s. 23APensions Act (Northern Ireland) 2008Sch. 4 para. 10Sch. 4 Pt. 3s. 13(4) 21(1)art. 2Pension Schemes (Northern Ireland) Act 1993s. 172(2)(b)(ii)-(ix)Pensions Act (Northern Ireland) 2008Sch. 4 para. 33Sch. 4 Pt. 3s. 13(4) 21(1)Pension Schemes (Northern Ireland) Act 1993s. 42(1A) (1B)Pensions (No. 2) Act (Northern Ireland) 2008s. 82(2)s. 73s. 118(1)Pension Schemes (Northern Ireland) Act 1993s. 42APensions (No. 2) Act (Northern Ireland) 2008s. 82(3)s. 73s. 118(1)Pension Schemes (Northern Ireland) Act 1993s. 21APensions (No. 2) Act (Northern Ireland) 2008s. 85(2)(b) Sch. 10 Pt. 3s. 73s. 118(1)art. 2(a)(c)Pension Schemes (Northern Ireland) Act 1993s. 23APensions (No. 2) Act (Northern Ireland) 2008s. 85(2)(b) Sch. 10 Pt. 3s. 73s. 118(1)art. 2(a)(c)Pension Schemes (Northern Ireland) Act 1993s. 170APensions (No. 2) Act (Northern Ireland) 2008Sch. 9 para. 1s. 73s. 118(1)Pension Schemes (Northern Ireland) Act 1993ActThe Pensions (Northern Ireland) Order 2005art. 281(3)(a)(i)art. 1(2)Pension Schemes (Northern Ireland) Act 1993s. 141(4)(5)The Pensions (Northern Ireland) Order 2005art. 251art. 285(5)art. 1(2)Pension Schemes (Northern Ireland) Act 1993s. 142(6A)The Pensions (Northern Ireland) Order 2005Sch. 10 para. 19(b)art. 1(2)Pension Schemes (Northern Ireland) Act 1993s. 42(1A)Pensions Act (Northern Ireland) 2012Sch. 3 para. 7s. 34(3)Pension Schemes (Northern Ireland) Act 1993s. 42A headingPensions Act (Northern Ireland) 2012Sch. 3 para. 8(b)s. 34(3)Pension Schemes (Northern Ireland) Act 1993s. 42A(1)(c)Pensions Act (Northern Ireland) 2012Sch. 3 para. 8(a)s. 34(3)Pension Schemes (Northern Ireland) Act 1993s. 67(1A)Pension Schemes Act (Northern Ireland) 2016s. 39(2)(b)s. 52(2)Pension Schemes (Northern Ireland) Act 1993s. 78APension Schemes Act (Northern Ireland) 2016Sch. 1 para. 2s. 52(2)Pension Schemes (Northern Ireland) Act 1993s. 79(1A)-(1AC)Pension Schemes Act (Northern Ireland) 2016Sch. 1 para. 3s. 52(2)Pension Schemes (Northern Ireland) Act 1993s. 80-80FPension Schemes Act (Northern Ireland) 2016Sch. 1 para. 4s. 52(2)Pension Schemes (Northern Ireland) Act 1993s. 81APension Schemes Act (Northern Ireland) 2016Sch. 1 para. 5s. 52(2)Pension Schemes (Northern Ireland) Act 1993s. 82A 82BPension Schemes Act (Northern Ireland) 2016Sch. 1 para. 6s. 52(2)Pension Schemes (Northern Ireland) Act 1993s. 109(4)(4A)Pension Schemes Act (Northern Ireland) 2016s. 38(5)s. 52(2)Pension Schemes (Northern Ireland) Act 1993Sch. 2 para. 3APension Schemes Act (Northern Ireland) 2016Sch. 1 para. 9s. 52(2)Pension Schemes (Northern Ireland) Act 1993Sch. 2 para. A1Pension Schemes Act (Northern Ireland) 2016Sch. 1 para. 8s. 52(2)Pension Schemes (Northern Ireland) Act 1993specified provision(s)The Pensions (2015 Act) (Savings) Order (Northern Ireland) 2016art. 2Pension Schemes (Northern Ireland) Act 1993specified provision(s)The Pensions (2015 Act) (Contributions Equivalent Premium) (Consequential Provision) and (Savings) (Amendment) Order (Northern Ireland) 2016art. 5 PART 4ZA CHAPTER 1951Where—aa member has exercised the option conferred by section 91; andbthe trustees or managers of the scheme have done what is needed to carry out what the member requires,the trustees or managers shall be discharged from any obligation to provide benefits to which the cash equivalent related except, in such cases as are mentioned in section 92(2), to the extent that an obligation to provide such guaranteed minimum pensions ... continues to subsist.2Subject to the following provisions of this section, if the trustees or managers of a scheme receive an application under section 91 they must do what is needed to carry out what the member requires—ain the case of an application that relates to benefits other than money purchase benefits, within 6 months beginning with the guarantee date shown in the relevant statement of entitlement, andbin the case of an application that relates to money purchase benefits other than collective money purchase benefits, within 6 months beginning with the date of the application, andcin the case of an application which relates to money purchase benefits that are collective money purchase benefits, within 6 months beginning with the date of the application or such longer period beginning with that date as may be prescribed.2ZASubsection (2) does not apply if the trustees or managers have been unable to carry out what the member requires because a condition prescribed by regulations under section 91(6ZA) has not been satisfied.2ZBSubsection (2) does not apply if—athe member was required by section 92(4) to give a transfer notice under section 97F(1) in addition to making an application, andbthe trustees or managers have been unable to carry out what the member required in the transfer notice under section 97F(1) because a condition prescribed by regulations under section 97F(5A) has not been satisfied.2ASubsection (2) does not apply if—athe trustees or managers have been unable to carry out the check required by section 51 of the Pension Schemes Act 2015 by reason of factors outside their control, orbthe trustees or managers have carried out the check required by section 51 of the Pension Schemes Act 2015 but the check did not confirm that the member had received appropriate independent advice.3If—adisciplinary proceedings or proceedings before a court have been begun against a member of an occupational pension scheme ...; andbit appears to the trustees or managers of the scheme that the proceedings may lead to the whole or part of the pension or benefit in lieu of a pension payable to the member or the member’s surviving spouse or civil partner being forfeited; andcthe date before which they would (apart from this subsection) be obliged under subsection (2) to carry out what the member requires is earlier than the end of the period of 3 months after the conclusion of the disciplinary or court proceedings (including any proceedings on appeal),then, subject to the following provisions of this section, they must instead do so before the end of that period of 3 months.3A. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4The Regulatory Authority may, in prescribed circumstances, by direction, grant an extension of the period within which the trustees or managers of the scheme are obliged to do what is needed to carry out what a member of the scheme requires.4ARegulations may make provision requiring applications for extensions under subsection (4) to meet prescribed requirements .4BRegulations may extend the period for compliance under subsection (2) or (3) in prescribed circumstances.6. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Where the trustees or managers of an occupational pension scheme have not done what is needed to carry out what a member of the scheme requires within 6 months of the date mentioned in paragraph (a) or (b) of subsection (2)—athey must, except in prescribed cases, notify the Regulatory Authority of that fact within the prescribed period, andbArticle 10 of the Pensions (Northern Ireland) Order 1995 (power of the Regulatory Authority to impose civil penalties) shall apply to any trustee or manager who has failed to take all such steps as are reasonable to ensure that it was so done.8Regulations may provide that in prescribed circumstances subsection (7) shall not apply in relation to an occupational pension scheme.Pt. 4 Ch. 4 applied (31.5.1994) by S.I. 1994/1432, art. 6(4)S. 95 modified (28.3.1997) by S.R. 1997/192, art. 5 (with art. 9)S. 95(4)(4A) substituted (6.4.1996 for certain purposes otherwise 6.4.1997) for s. 95(4)(5) by S.I. 1995/3213 (N.I. 22), art. 165, Sch. 4 para. 8(c); S.R. 1996/91, art. 2(d), Sch. Pt. IV; S.R. 1997/192, art. 2(b)S. 95(7)(8) added (6.4.1996 for certain purposes otherwise 6.4.1997) by S.I. 1995/3213 (N.I. 22), art. 165, Sch. 4 para. 8(e); S.R. 1996/91, art. 2(d), Sch. Pt. IV; S.R. 1997/192, art. 2(b)Pt. 4 Ch. 4 modified (1.4.2009) by Local Government Pension Scheme (Administration) Regulations (Northern Ireland) 2009 (S.R. 2009/33), regs. 1, 74(1)(3)(7)S. 95 modified (1.8.2022) by The Occupational Pension Schemes (Collective Money Purchase Schemes) Regulations (Northern Ireland) 2022 (S.R. 2022/191), regs. 1, 33S. 95 modified (27.4.2005) by The Occupational and Personal Pension Schemes (Pension Liberation) Regulations (Northern Ireland) 2005 (S.R. 2005/193), regs. 1(1), 3(1)Words in s. 95(3)(b) substituted (13.1.2020) by The Marriage (Same-sex Couples) and Civil Partnership (Opposite-sex Couples) (Northern Ireland) Regulations 2019 (S.I. 2019/1514), regs. 1(2), 68(9) (with regs. 6-9)Words in s. 95(4) inserted (6.4.2006) by The Pensions (Northern Ireland) Order 2005 (S.I. 2005/255 (N.I. 1)), art. 1(2), Sch. 10 para. 10(a); S.R. 2006/95, art. 2(c), Sch. Pt. 3Words in s. 95(1) omitted (6.4.2012) by virtue of The Pensions (2008 No. 2 Act) (Abolition of Protected Rights) (Consequential Provisions) Order (Northern Ireland) 2012 (S.R. 2012/124), arts. 1(b), 4(15)S. 95(2A) inserted (6.4.2015) by Pension Schemes Act 2015 (c. 8), ss. 53(2), 89(3)(b) (with s. 87)S. 95(2ZA) inserted (30.11.2021) by Pension Schemes Act 2021 (c. 1), s. 131(2)(d)(3)(c), Sch. 11 para. 13(4); S.R. 2021/300, art. 2(b)Pt. 4 Ch. 4 modified (1.4.2015) by The Judicial Pensions Regulations (Northern Ireland) 2015 (S.R. 2015/76), reg. 1(3), Sch. 3 para. 8(1)Pts. 4, 5 renumbered as Pt. 4ZA Chs. 1, 2 and Pt. 4ZA heading inserted (6.4.2015) by Pension Schemes Act 2015 (c. 8), s. 89(3)(b), Sch. 4 para. 50(1)(2)(a) (with s. 87)S. 95(2) substituted (6.4.2015) by Pension Schemes Act 2015 (c. 8), s. 89(3)(b), Sch. 4 para. 59(2) (with s. 87)S. 95 modified (1.4.2023) by The Occupational Pension Schemes (Master Trusts) Regulations (Northern Ireland) 2023 (S.R. 2023/59), regs. 1, 24(1)S. 95 modified (3.10.2022) by The Occupational Pension Schemes (Master Trusts) (No. 2) Regulations (Northern Ireland) 2022 (S.R. 2022/234), regs. 1, 24(1)Pt. 4 Ch. 4 modified (1.4.2015) by The Health Service Workers (Consequential Provisions) Regulations (Northern Ireland) 2015 (S.R. 2015/167), regs. 1, 10(1)S. 95(3A) omitted (6.4.2015) by virtue of Pension Schemes Act 2015 (c. 8), s. 89(3)(b), Sch. 4 para. 59(4) (with s. 87)Pt. 4 Ch. 4: power to modify conferred (25.2.2005 for specified purposes, 6.4.2005 in so far as not already in force) by The Pensions (Northern Ireland) Order 2005 (S.I. 2005/255 (N.I. 1)), arts. 1(2), 20(7)(a) (with art. 285(5)); S.R. 2005/48, art. 2(4)(a)(b), Sch. Pt. 4Pt. 4ZA Ch. 1 excluded (1.4.2017) by The Judicial Pensions (Fee-Paid Judges) Regulations 2017 (S.I. 2017/522), regs. 1, 71S. 95(2)(c) and word inserted (11.2.2021 for specified purposes, 1.8.2022 in so far as not already in force) by Pension Schemes Act 2021 (c. 1), ss. 76(4)(c), 131(2)(a)(3)(a); S.R. 2022/197, art. 3(a)Pt. 4ZA Ch. 1: power to modify conferred (11.2.2021 for specified purposes, 1.8.2022 in so far as not already in force) by Pension Schemes Act 2021 (c. 1), s. 131(1)(3)(a), Sch. 5 para. 1(6)(a); S.R. 2022/197, art. 3(a)Words in s. 95(2)(b) inserted (11.2.2021 for specified purposes, 1.8.2022 in so far as not already in force) by Pension Schemes Act 2021 (c. 1), ss. 76(4)(b), 131(2)(a)(3)(a); S.R. 2022/197, art. 3(a)Pt. 4 Ch. 4 modified (1.4.2015) by The Police Pensions (Consequential Provisions) Regulations (Northern Ireland) 2015 (S.R. 2015/156), regs. 1(2), 10(1)Words in s. 95(3)(a) omitted (6.4.2015) by virtue of Pension Schemes Act 2015 (c. 8), s. 89(3)(b), Sch. 4 para. 59(3) (with s. 87)Pt. 4 Ch. 4 modified (1.4.2015) by The Public Service (Civil Servants and Others) Pensions (Consequential Provisions) Regulations (Northern Ireland) 2015 (S.R. 2015/81), regs. 1(1), 10(1)Word in s. 95(2)(a) omitted (11.2.2021 for specified purposes, 1.8.2022 in so far as not already in force) by virtue of Pension Schemes Act 2021 (c. 1), ss. 76(4)(a), 131(2)(a)(3)(a); S.R. 2022/197, art. 3(a)Words in s. 95(4A) substituted (6.4.2006) by The Pensions (Northern Ireland) Order 2005 (S.I. 2005/255 (N.I. 1)), art. 1(2), Sch. 10 para. 10(b); S.R. 2006/95, art. 2(c), Sch. Pt. 3S. 95(6) repealed (6.4.2005) by The Pensions (Northern Ireland) Order 2005 (S.I. 2005/255 (N.I. 1)), art. 1(2), Sch. 11; S.R. 2005/166, art. 2(6), Sch. 1S. 95(2ZB) inserted (30.11.2021) by Pension Schemes Act 2021 (c. 1), s. 131(2)(d)(3)(c), Sch. 11 para. 13(5); S.R. 2021/300, art. 2(b)Pt. 4ZA Ch. 1 heading substituted (6.4.2015) by Pension Schemes Act 2015 (c. 8), s. 89(3)(b), Sch. 4 para. 50(1)(2)(b) (with s. 87)Pt. 4ZA Ch. 1 excluded (1.8.2022) by S.R. 1996/619, reg. 2A (as inserted by The Occupational Pension Schemes (Collective Money Purchase Schemes) (Modifications and Consequential and Miscellaneous Amendments) Regulations (Northern Ireland) 2022 (S.R. 2022/192), regs. 1(1), 3(3))Pt. 4 Ch. 4 modified (1.4.2015) by The Firefighters Pension Scheme (Consequential Provisions) Regulations (Northern Ireland) 2015 (S.R. 2015/166), regs. 1, 10(1)Pt. 4 Ch. 4 modified (1.4.2015) by The Teachers Pension Scheme (Consequential Provisions) Regulations (Northern Ireland) 2015 (S.R. 2015/170), regs. 1, 10(1)S. 95(4B) inserted (3.3.2015 for specified purposes, 6.4.2015 in so far as not already in force) by Pension Schemes Act 2015 (c. 8), s. 89(1)(b)(3)(b), Sch. 4 para. 59(5) (with s. 87)S. 95 modified (6.4.2022) by The Occupational Pension Schemes (Master Trusts) Regulations (Northern Ireland) 2022 (S.R. 2022/121), regs. 1, 24(1)S. 95 modified (30.1.2023) by The Occupational Pension Schemes (Collective Money Purchase Schemes) Regulations (Northern Ireland) 2023 (S.R. 2023/7), regs. 1, 33S. 95 modified (28.7.2023) by The Occupational Pension Schemes (Collective Money Purchase Schemes) (No. 2) Regulations (Northern Ireland) 2023 (S.R. 2023/117), regs. 1, 33S. 95 modified (29.9.2023) by The Occupational Pension Schemes (Master Trusts) (No. 2) Regulations (Northern Ireland) 2023 (S.R. 2023/148), regs. 1, 24(1)S. 95 modified (26.1.2024) by The Occupational Pension Schemes (Collective Money Purchase Schemes) Regulations (Northern Ireland) 2024 (S.R. 2024/15), regs. 1, 33S. 95 modified (27.3.2024) by The Occupational Pension Schemes (Master Trusts) Regulations (Northern Ireland) 2024 (S.R. 2024/78), regs. 1, 24(1)