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Defence

Veterans

Pensions

There are currently 2 Armed Forces Pension Schemes (AFPS) available to service leavers; AFPS 75 and AFPS 05

Have you served in the military since 1975?

It is possible that you have earned a preserved pension payable at age 60 (or 65 if you joined after April 2006). Read the following to see if you qualify and follow the links for the application forms if you do.

Pensions

There are currently 2 Armed Forces Pension Schemes (AFPS) available to service leavers; AFPS 75 and AFPS 05.

  1. AFPS 75 pension benefits are based on rank and length of Service. All personnel serving between 6 April 1975 and 6 April 2005 will have served under the AFPS 75 scheme.
  2. AFPS 05 pension benefits are based on length of Service and final salary and personnel who joined after 6 April 2005 will be serving under the AFPS 05 scheme. However, personnel serving between July 2005 and March 2006 were given the option to move to the AFPS 05 as part of the Offer to Transfer process.

There are some fundamental differences between the schemes that cover both retired benefits and dependents benefits. To find out what benefits personnel are entitled to, click on the link below and download the booklets that are applicable to the AFPS that you/your spouse are/were serving under.

Service Preserved Pensions

Prior to 06 April 1975 there was no provision for a preservation of pension benefits and service personnel who left the Armed Forces had to have completed 16 years from age 21 (Officers) or 22 years from age 18 (Other ranks). Those who left before that date without completing the above criteria, lost all pension entitlement.

The rules changed on 06 April 1975 to provide for pensions to be preserved for payment at age 60 for all those discharged over the age of 26 with a minimum of 5 years service. On 06 April 1988, the qualifying period was reduced from 5 to 2 years and the age criterion was dropped. Preserved pensions have to be claimed at age 60 or at age 65 if your service began after 5 April 2006. However, you can claim your preserved pension sooner if you become permanently incapacitated.

Service pensions are administered by the Armed Forces Personnel Administration Agency (AFPAA) but pension payments are made by Paymaster (1836) Ltd, the paying authority for the Armed Forces pension Scheme (AFPS).