RPSM03104070 - Technical Pages: Protecting pension rights from tax charges: Enhanced protection: Cessation

Actions causing cessation of enhanced protection

[Para 12(2) - 12(2C) Sch 36 & Reg 4 The Pension Schemes (Enhanced Lifetime Allowance) Regulations 2006 - SI 2006/131]

Enhanced protection will be lost in the following circumstances

  • where ‘relevant benefit accrual’ occurs under any arrangement in a registered pension scheme - see RPSM03104080 and RPSM03104500 for more information;
  • where a transfer is made from any arrangement holding rights for the individual in a registered pension scheme and that transfer is not a “permitted transfer” - see RPSM03104090 and RPSM03104092;
  • where a new arrangement relating to the individual is made under a registered pension scheme otherwise than
  • to receive a permitted transfer – see RPSM03104095;
  • as part of a retirement-benefit activities compliance exercise - see RPSM03104096; or
  • as part of an age-equality compliance exercise - see RPSM03104096;
  • where an arrangement receives an impermissible transfer (see RPSM03104097); and
  • where the member notifies HMRC that they no longer wish to be covered by enhanced protection.


Glossary ( RPSM20000000)