The Superannuation Arrangements
of the University of London

High Court ruling on making Guaranteed Minimum Pensions (GMPs) equal for men and women

Published 2 November 2018. Updated 7 November 2018.

The High Court recently ruled that pension schemes like SAUL must change in order to make Guaranteed Minimum Pensions (GMPs) equal for men and women.

Only members who built up a GMP between 1990 and 1997 will be affected by this ruling.

If you were a SAUL member between 6 April 1978 and 5 April 1997 the Government requires SAUL to pay you a minimum level of pension. This minimum is called Guaranteed Minimum Pension (GMP). You may also have transferred GMP into SAUL with another pension. If you’re the spouse or civil partner of a SAUL member, part of your pension might be GMP too.

GMPs are payable to women at 60 and men at 65, which means that they build up at a different rate and receive different increases.

The decision didn’t include guidance on how transfers out of SAUL should be treated. Because of this, we won’t be able to provide transfer out quotes or payments (including those for the purpose of divorce) to any SAUL member with a GMP built up between 1990 and 1997. This includes any member who built up a GMP between these dates in another pension scheme and transferred the benefits into SAUL.

We’ll publish an update on the website as soon as we have fully considered how we should treat transfers out.

Back to latest news

Contact Us

If you have a question about SAUL or need to talk to us about your pension, please get in touch.


SAUL Trustee Company
1 King's Arms Yard