Frequently Asked Questions

In this section you will find answers to some of the most commonly asked questions regarding the Civil Service Additional Voluntary Contribution (CSAVC) Scheme available through Scottish Widows. If you have any further questions, please use our Enquiry Form.

Introduction»

• What exactly is the CSAVC Scheme?
  
  
• Am I eligible?
  
  
• Why join an AVC Scheme?
  
  
• Do I have to join the CSAVC Scheme to make AVCs?
  
  

About your AVC payments»

• How are AVCs paid?
  
  
• Is there a choice of ways to pay?
  
  
• How much can I contribute?
  
  
• When will my first AVC be collected?
  
  
• Will I get tax relief on my AVCs?

About retirement »

• Can I choose when I want to retire?
  
  
• What if I die before I retire?
  
  
• What happens if I leave service?
  
  
• What happens when I retire?

Further questions »

• How is my AVC fund invested?
  

• What information will I receive?