About the Career Average Scheme
The career average pension scheme, also called the Public Employees Pension Scheme (PEPS), is for all new employees of the States of Jersey or an admitted body or members who were moved from the Final Salary Scheme on 1 January 2019.
The PEPS is a funded scheme, where the employees and employers contributions are invested to help provide benefits in future years.
Members’ guide
More information on the benefits provided by the Career Average Scheme can be found in the full members guide.
Career Average Scheme members' guide
Further information on the benefits for those members who moved from the Final Salary Scheme into the Career Average Scheme on 1 January 2019 can be found in the transition members' guide.
Transition members' guide
Joining the Career Average Scheme
Anyone employed on a permanent basis with the States of Jersey will join the scheme from the date that they start employment. If you are employed on a Fixed Term Contract of any length you will have to make an option to join the scheme. You can make your option by using the form below.
Apply to be a member of the Career Average Scheme
Contributions
From 1 June 2026, the employee and employer contribution rate are:
- non-uniformed employees, 6.77%
- uniformed employee, 8.82%
- employer contribution rate, 13.8%
Contributions are deducted from your basic gross salary. You or your employer don’t make any contributions on any additional payments that you might receive on top your basic salary eg overtime or stand-by payments.
Additional voluntary contributions
You can increase your pension with additional voluntary contributions. You can pay either an additional percentage of your annual salary or a fixed monetary amount. Pensions will aim to increase in line with Jersey RPI + 1%. Pension increases are not guaranteed and are subject to the financial status of the fund.
Find out more about
additional voluntary contributions.
Retiring and leaving the scheme
If you're considering leaving or retiring from the Career Average Scheme, check out retiring from or leaving a public service pension scheme.
You'll find an online form which you need to use to inform the pensions team of what you would like to do with your pension benefits on retiring from or leaving the Career Average Scheme. You'll also find various documentation informing you of the benefits available on leaving or retiring from the Career Average Scheme.
Pension age
For non-uniformed members, normal pension age is linked to the state pension age. For uniformed members the normal pension age is 60.
Calculate your pension age
You can retire before your normal pension age but if you choose this option your pension will be subject to a reduction. If you work past your normal pension age you will receive an enhancement to your pension. The amount a pension is reduced or increased is determined by the Actuary.
Find more information on leaving or retiring from the Career Average Scheme on retiring from or leaving a public service pension scheme.
Tax free lump sum
You can take 30% of your final annual pension and convert it to a tax-free lump sum. For every £1 you will get £13.50.
For example, if you’re due an annual pension of £10,000 and you choose to take a lump sum of 30% (£3,000), your annual pension will reduce to £7,000 but you’ll receive a lump sum of £40,500 as a tax free lump sum.
Under the scheme you will also be able to ask a one-off lump sum whilst in employment in the 10 years before normal pension age or from 55, which ever is later, subject to a reduction. This only applies to benefits built up under the Career Average Scheme and if you take a lump sum whilst in employment you won’t be able to take a lump sum at retirement from the Career Average Scheme.
Survivor and children's benefits
To find out more information on the survivor and children's benefits available in the event of the death of a member of the Career Average Scheme, check out
survivor benefits.
You'll find an online nomination form which you can use to inform the pensions team of who you would like a survivor benefit payable to. You'll also find documents on the survivor benefits available in the Career Average Scheme.
Transfer in
If you're considering transferring a pension in to the Career Average Scheme, check out
transferring in your pension.
Complaints procedure
If you're unhappy with a decision that affects you or your dependants you have a right to have the decision reviewed. You should email the Public Employees Pension Team at pept@gov.je within 3 months of the decision being made.
Complaints procedure
Communications plan
Communications Strategy
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