C

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Career Average Scheme

Cash Option

Closed Scheme

Certificate of Existence

Commutation

Commutation Factors

Compulsory Purchase Annuity

Concentration of Investment

Contingent Benefit

Continuation Option

Contribution Holiday

Contributory Scheme

Controlled Funding

Corporate Trustee

 


Career Average Scheme

An alternative term for an average earnings scheme.


Cash Option

An alternative term for commutation.


Closed Scheme

A pension scheme that does not accpet new members.


  Certificate of Existence

A document confirming that a person is in receipt of a pension is still alive.


  Commutation

An option given to a member to replace a series of future payments by an immediate lump sum.  The exchange of pension for immediate cash is regulated by the Revenue Commissioners.


  Commutation Factors

The mathematical factors used by the trustees to determine the amount of pension which needs to be given up in order to provide a given lump sum benefit.


  Compulsory Purchase Annuity

An annuity that must be purchased on retirement for a member of an insured pension scheme or for the holder of a personal retirement bond.


  Concentration of Investment

Placing a significant proportion of the assets of a pension scheme n any single investment or category of investments.  This is subject to disclosure under the Pensions Act and may also impact on the scheme's ability to meet the funding standard under the Act.


  Contingent Benefit

Benefit whose payment depends on the happening of a particular event, often the death of a member or pensioner - specifically used in the context of the Family Law Acts to mean benefits payable from a pension scheme on the death of a member during the employment or self-employment to which the scheme relates.


  Continuation Option

A facility offered by an insurance company that insures the death benefits under a scheme, whereby a member leaving the scheme can effect a life policy similar to that used under the scheme, without evidence of health.  Such options are now becoming less common.  See also Substitution Option.


  Contribution Holiday

A term used to describe a period under which employers' and/or members' contributions are suspended.  This usually happens when the fund is in surplus.


  Contributory Scheme

A scheme in which active members are required to make contributions toward the cost of their benefits.


  Controlled Funding

A funding plan which has regard for the liabilities of a defined benefit scheme as a whole, rather than for those of individual members.


  Corporate Trustee

A company which acts as a trustee.


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