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1. Home
2. Defence and armed forces
3. Armed forces
Guidance
ARMED FORCES PENSIONS
Information related to the Armed Forces Pension Schemes.
From: Ministry of Defence, Veterans Advisory and Pensions Committees, and
Veterans UK Published 12 December 2012 Last updated 14 November 2023 — See all
updates
Get emails about this page
CONTENTS
1. A world class pension scheme for your military service
2. 2015 scheme
3. 2005 scheme
4. 1975 scheme
5. Reserve service pension schemes
6. Legislation
7. The Victoria Cross and George Cross
8. Gurkha Pension Scheme
9. Gurkha Pension Manual
10. Children’s pensions/allowances
11. Divorce
12. Taxation
13. 2015 Remedy update
14. Armed Forces Payment Scheme - Adjustments to Pensions Due to Guaranteed
Minimum Payment - December 2021
15. Re-employment
16. Transfers in and out of the schemes
17. Resettlement Grant
18. Armed Forces Pension Calculator
19. Governance Armed Forces Pension Board
20. Veterans UK forms
21. Armed forces pension schemes consolidated factors list
22. Gibraltar Pension Scheme
23. AFPS customer journey maps
24. Contact us
Print this page
A WORLD CLASS PENSION SCHEME FOR YOUR MILITARY SERVICE
When a member of the armed forces reaches their retirement age, they receive one
of the most generous pensions available in the UK. This fairly reflects the
unique sacrifice they have provided their country throughout their career.
All members of the armed forces are automatically enrolled into the Armed Forces
Pension Scheme. Unlike all other public schemes, members pay 0% in contributions
each month. The scheme is unfunded and paid from the public purse.
2015 SCHEME
Guidance relating to the Armed Forces Pension Scheme 2015.
* The Armed Forces Pension Scheme 2015: Your Pension Scheme Explained
* Actuarial valuation of the Armed Forces Pension Schemes 2016
* JSP 905 Armed Forces Pension Scheme 2015 and Early Departure Payments Scheme
2015
2005 SCHEME
Guidance and documents relating to Armed Forces Pension Scheme 2005.
* AFPS 2005: your pension scheme explained
* JSP 764 explains the AFPS 05
1975 SCHEME
Guidance and documents relating to the Armed Forces Pension scheme 1975.
* Armed Forces Pension Scheme 1975 (JSP 854)
* AFPS 1975: your pension scheme explained
* Pension Codes: the amounts of service retired pay and pensions, service
invaliding retired pay and pensions, service attributable retired pay and
pensions, gratuities and resettlement grants are shown in the pension code.
The pension code is revised annually.
* AFPS 75 Commutation
RESERVE SERVICE PENSION SCHEMES
Guidance and documents relating to the reserve schemes.
* Reserve Forces pension scheme 2005
LEGISLATION
Legislation related to the Armed Forces Pension Scheme.
* Reserve Forces Pension Scheme 2005: regulations and guidance
* Armed Forces Pension Scheme 1975 regulations
* Armed Forces Pension Scheme 2005 Order: Statutory Instrument 2005/438
* The Armed Forces Early Departure Payments Scheme Order 2005: Statutory
Instrument 2005/437
* Armed Forces Pension Scheme 2006 Order: Statutory Instrument 2006/717
* The Armed Forces Pension Scheme etc. (Amendment) Order 2009: Statutory
Instrument 2009/544
* The Armed Forces Pension Scheme 2005 (Amendment) Order 2011: Statutory
Instrument 2011/1364
* The Armed Forces Redundancy Scheme 2006, the Armed Forces Redundancy Etc.
Schemes 2010 and the Armed Forces Pension Scheme 2005 (Amendment) Order 2011:
Statutory Instrument 2011/3013
* The Armed Forces (Transitional Provisions) Pensions Regulations 2015:
Statutory Instrument 2014/2958
* The Armed Forces Pension Schemes and Early Departure Payments Schemes
(Amendments Relating to Flexible Working and Miscellaneous Amendments)
Regulations 2018: Statutory Instrument 2018/1111
* The Armed Forces Pension Regulations Statutory Instrument Order 2014 (PDF,
423 KB, 66 pages)
* The Armed Forces (Transitional Provisions) Pensions Regulations 2015:
Statutory Instrument 2015/568
* The Armed Forces Pension 2015 Regulations Statutory Instrument Order 2014
* The Armed Forces Early Departure Payments Scheme Regulations 2014
THE VICTORIA CROSS AND GEORGE CROSS
* MOD to continue to pay annuities to members of the Victoria Cross and George
Cross
GURKHA PENSION SCHEME
Guidance and documents relating to the Gurkha pension scheme.
* The Gurkha Pension Scheme: Your benefits explained (booklet) (PDF, 1.98 MB,
40 pages)
* Gurkha pension manual: introduction (PDF, 31.1 KB, 4 pages)
GURKHA PENSION MANUAL
* Gurkha pension manual: contents (PDF, 22.5 KB, 4 pages)
* Chapter 1: Gurkha service pensions (PDF, 73.7 KB, 14 pages)
* Chapter 2: rules and procedures for commutation (PDF, 105 KB, 13 pages)
* Chapter 3: disability pensions (PDF, 79.6 KB, 11 pages)
* Chapter 4: Gurkha family pensions (PDF, 83 KB, 16 pages)
* Chapter 5: monetary allowances for gallantry awards (PDF, 38 KB, 5 pages)
* Chapter 6: administration of British Gurkha pensions responsibilities and
casework (PDF, 12 KB, 2 pages)
* Chapter 7: uncollected pensions (PDF, 13.3 KB, 2 pages)
* Chapter 8: pensioner in prison or found not guilty of misconduct (PDF, 15.4
KB, 2 pages)
* Chapter 9: internal dispute resolution procedures (PDF, 9.92 KB, 1 page)
* Chapter 10: gratuities (PDF, 41.6 KB, 8 pages)
CHILDREN’S PENSIONS/ALLOWANCES
Guidance and documents relating to children’s pensions and allowances.
* Children’s Pensions & Allowances (PDF, 402 KB, 22 pages)
* Children's Pension and Allowances - Accessible Version (ODT, 251 KB)
DIVORCE
Pension sharing rules of the Armed Forces Pension schemes and Reserve Forces
Pension schemes.
* Pensions on divorce or dissolution of a civil partnership charging regime
(PDF, 71.1 KB, 8 pages)
* Pension benefits on divorce and dissolution of civil partnerships (MMP 131)
(PDF, 551 KB, 42 pages)
* Armed forces pension arrangements pension sharing on divorce (February 2020)
(PDF, 1.39 MB, 134 pages)
TAXATION
* 2015 Remedy Tax Booklet (PDF, 230 KB, 14 pages)
* Pension Taxation Booklet (PDF, 1.16 MB, 56 pages)
* Step by step guide for AFPS Annual Allowance notification letter for tax year
2022/2023
* HMRC annual allowance calculator
Please also note that a new pension tax site has been launched through the MOD’s
intranet site that provides further guidance and other useful information.
2015 REMEDY UPDATE
* Remediable Service Statement (RSS) User Guide (PDF, 936 KB, 47 pages)
* 2015 Remedy update - September 2023 (PDF, 205 KB, 5 pages)
* Consultation 6 March 2023 to 29 May 2023 - ‘Armed Forces Pension Scheme:
Retrospective Remedy’
* Remedy Explained booklet (PDF, 2.15 MB, 70 pages)
* Member Voluntary Contributions factsheet (PDF, 460 KB, 13 pages)
* Retrospective Remedy FAQs (PDF, 207 KB, 9 pages)
* Armed Forces Pension Scheme: Future pension provision from 1 April 2022
* 2015 Remedy (McCloud Update) - July 2021 (PDF, 175 KB, 6 pages)
* 2015 Remedy (McCloud Consultation update) (July 2020) (PDF, 76 KB, 10 pages)
* 2015 Remedy (McCloud update and additional guidance) (PDF, 46.7 KB, 3 pages)
ARMED FORCES PAYMENT SCHEME - ADJUSTMENTS TO PENSIONS DUE TO GUARANTEED MINIMUM
PAYMENT - DECEMBER 2021
Guidance relating to adjustments to pensions
* Armed Forces Pension Scheme - Adjustments to Pensions Due to Guaranteed
Minimum Payment - December 2021 (ODT, 8.38 KB)
RE-EMPLOYMENT
Guidance and documents relating to re-employment.
* Armed Forces and Reserve Pension Schemes (re-employment) (PDF, 283 KB, 16
pages)
TRANSFERS IN AND OUT OF THE SCHEMES
If you have built up pension benefits elsewhere before joining the armed forces
you have the option to transfer in the value of your other benefits to receive a
service credit in your Armed Forces Pension Scheme.
Before you apply to DBS Veterans UK for a transfer in, you need to obtain
details of the amount of your transfer value from your previous pension scheme,
and then an estimate from DBS Veterans UK of the additional pension that this
will buy. If you decide to go ahead with the transfer, you should make your
application to DBS Veterans UK in writing.
You must be serving in the armed forces to be eligible to transfer in and once
you have committed yourself to a transfer from your previous pension scheme, you
cannot change your mind and you will have given up forever your rights and those
of your dependants under the previous schemes.
Transfers into AFPS 15 must be completed within one year of joining the scheme.
For members who remain solely in AFPS 75 and AFPS 05 who may still make
transfers in from a non-public service scheme. AFSP 75 the transfer in must be
made before your 54 birthday and in AFPS 05 the transfer in must be made before
the beginning of your final year of service before your pension is due.
If you leave without receiving immediate pension benefits (including leaving
with an Early Departure Payment (EDP) under AFPS 15 or AFPS 05) you have the
option to transfer the value of your deferred pension benefits to other defined
benefit schemes. A pension in payment cannot be transferred.
However, the government has prevented transfers from unfunded public service
defined benefit schemes (such as the AFPS to funded defined contribution schemes
in UK or abroad. The Pension Schemes Act 2015 and the Taxation of Pensions Act
2014 made this rule. Application for pension transfers should be made to:
DBS Veterans UK Pensions Division
Mail Point 480
Kentigern House
65 Brown Street
Glasgow
G2 8EX
RESETTLEMENT GRANT
Resettlement Grants assist those leaving the regular armed forces to resettle
into civilian life after completing a substantial period of service. A
Resettlement Grant is not a pension.
It is a tax-free lump sum paid to regular service personnel, who, at the time
they leave the services, are not eligible for Early Departure Payment benefits,
an Immediate Pension or ill health award (or any other immediate pension
benefits) and they meet Resettlement Grant qualification criteria, which are:
* AFPS 2015 and AFPS 2005: all personnel need to have 12 years’ relevant
service (from date of entry)
* AFPS 1975: Officers to have at least 2 years’ Commissioned service and have 9
relevant years of reckonable service from age 21
* AFPS 1975: other ranks to have 12 relevant years of reckonable service from
age 18.
The value of the Resettlement Grant is:
* AFPS 2005 and AFPS 2015: £12,088
* AFPS 1975 - please see the latest tri-service codes, published each year on
gov.uk.
The Resettlement Grant is increased each year at the same rate as armed forces
pensionable pay.
Only 1 resettlement grant is awarded, for those who have service in more than
one scheme. If personnel are re-employed after leaving they may have to re-pay
some or all of the grant. See the re-employment booklet for more details.
ARMED FORCES PENSION CALCULATOR
The Armed Forces Pension Calculator (AFPC) includes a projection of benefits
from the Armed Forces Pension Schemes.
GOVERNANCE ARMED FORCES PENSION BOARD
The Pension Board is responsible for assisting the Secretary of State for
Defence, as Scheme Manager, in ensuring compliance with the scheme regulations
and other legislation relating to the governance and administration of the
scheme and any statutory pension scheme that is connected with it.
VETERANS UK FORMS
If you have been advised that you need to complete a form or view a detailed
pension scheme guide, you can find these on the Veterans UK pensions forms page.
ARMED FORCES PENSION SCHEMES CONSOLIDATED FACTORS LIST
The purpose of these tables is to set out in one place for convenience the
actuarial factors provided by the Government Actuary’s Department (GAD) to the
MOD from time to time in respect of Armed Forces Pension Schemes.
Armed forces factor summary (821 KB)
Armed forces factor summary (ODS, 546 KB)
GIBRALTAR PENSION SCHEME
The Gibraltar Regiment Act 1998 - Royal Gibraltar Regiment (Pension
Arrangements) Notice 2022 (ODT, 132 KB)
AFPS CUSTOMER JOURNEY MAPS
Diagrams with guidance to help customers with the AFPS.
These journey maps illustrate the flow of various processes within the scheme,
such as Early Payment of Preserved Pension (EPPP) and Internal Dispute
Resolution Procedure (IDRP), so that customers can see the end-to-end process
regarding their Armed Forces Pension.
Discretionary Awards Appeal Review (DAAR) (PDF, 396 KB, 1 page)
Discretionary Awards Appeal Review (DAAR) (ODT, 23.3 KB)
Discretionary Awards Review (DAR) (PDF, 398 KB, 1 page)
Discretionary Awards Review (DAR) (ODT, 23.3 KB)
Early Payment of Preserved Pension (EPPP) and Early Payment of Preserved Pension
Increases (EPPI) (PDF, 405 KB, 1 page)
Early Payment of Preserved Pension (EPPP) and Early Payment of Preserved Pension
Increases (EPPI) (ODT, 23.8 KB)
Ill-Health Tier Award Reviews (PDF, 396 KB, 1 page)
Ill-Health Tier Award Reviews (ODT, 23.5 KB)
Ill-Health Internal Dispute Resolution Procedure (IDRP) (PDF, 396 KB, 1 page)
Ill-Health Internal Dispute Resolution Procedure (IDRP) (ODT, 23.6 KB)
Internal Dispute Resolution Procedure (IDRP) (PDF, 396 KB, 1 page)
Internal Dispute Resolution Procedure (IDRP) (ODT, 23.2 KB)
CONTACT US
You can use the contact details below for help on your armed forces pension:
Armed forces pensions enquiries
Joint Personnel Administration Centre (JPAC)
Mail Point 480
Kentigern House
65 Brown Street
Glasgow
G2 8EX
Phone: 0800 085 3600
Phone (from overseas): 0044 141 224 3600
Phone (military): 94560 3600
Email dbs-pensionshelp@dbspv.mod.uk
Published 12 December 2012
Last updated 14 November 2023 + show all updates
1. 14 November 2023
Added 'Remediable Service Statement (RSS) User Guide' under '2015 Remedy
update'.
2. 3 October 2023
Section '2015 Remedy update' updated with 'Remedy Explained booklet'.
3. 29 September 2023
Added: 'Member Voluntary Contributions factsheet' under '2015 Remedy
update'.
4. 26 September 2023
Updated '2015 Remedy update - September 2023', and added 'Compensation
claim form' and 'Contingent Decisions claim form'.
5. 19 September 2023
Removed 'Family pension and ill-health benefit' section as information is
out-of-date and more relevant information can be found in the relevant
scheme booklets.
6. 15 September 2023
Added 2015 Remedy update - September 2023.
7. 7 September 2023
'2015 Remedy Tax Booklet' added under 'Taxation'.
8. 21 July 2023
Added information under the 'Taxation' heading.
9. 10 July 2023
Updated 'Pension Taxation Booklet'.
10. 20 June 2023
Updated 'Armed forces factor summary'.
11. 22 May 2023
Updated 'Armed Forces and Reserve Pension Schemes (re-employment)'.
12. 18 April 2023
Updated information under 'Resettlement Grant' heading.
13. 13 April 2023
Updated information under 'Resettlement Grant' heading.
14. 3 April 2023
Added: 'Retrospective Remedy FAQs' under subheading '2015 Remedy update'.
15. 8 March 2023
Added: AFPS customer journey maps.
16. 6 March 2023
Addition of link to 'Armed Forces Pension Scheme: Retrospective Remedy'
consultation under '2015 Remedy update'.
17. 22 August 2022
Updated and included attachements
18. 28 July 2022
Added section Children’s pensions/allowances and accompanying document
Children’s Pensions & Allowances.
19. 15 July 2022
Added a link to Armed Forces Pension Scheme 1975 (JSP 854).
20. 5 July 2022
Updated Pension Taxation Booklet attachment.
21. 29 June 2022
Updated the Pension Taxation Booklet.
22. 17 June 2022
Edited link under 'Taxation' to most recent guidance.
23. 31 March 2022
Removed outdated section on 'Pension taxation seminars and one-to-one
sessions for the Armed Forces'
24. 29 March 2022
Addition of new section, 'Gibraltar Pension Scheme'.
25. 4 January 2022
Addition of: Pension taxation seminars and one-to-one sessions for the
Armed Forces.
26. 22 December 2021
Update of guidance - adjustments to pensions due to guaranteed minimum
payment - December 2021
27. 26 November 2021
Addition of news story under subheading 'The Victoria Cross and George
Cross'.
28. 22 November 2021
Addition of link to 'Armed Forces Pension Scheme: Future pension provision
from 1 April 2022' under the heading 'McCloud update'.
29. 14 September 2021
Addition of: The Armed Forces Early Departure Payments Scheme Regulations
2014 to the legislation list.
30. 13 September 2021
Document updated: 'Armed Forces Pension members guide to taxation of
pension benefits' under the heading 'Taxation'.
31. 23 July 2021
Added Pension Sharing Order Corrections Factsheet
32. 22 July 2021
Added McCloud Update - July 2021
33. 7 June 2021
Updated: resettlement grant figures.
34. 18 December 2020
Addition of: Gurkha Pension Manual and updated the text under AFPS 1975
heading.
35. 25 November 2020
Addition of information relating to adjustments to pensions November 2020.
36. 13 November 2020
Updated the Armed Forces Pension taxation booklet.
37. 29 September 2020
Addition of: Armed Forces Pension Arrangements Pension Sharing on Divorce.
38. 23 July 2020
Updated the links under the 'Taxation' heading.
39. 22 July 2020
Added updated versions of the Armed Forces Pension Scheme guidance booklets
1975, 2005 and 2015.
40. 16 July 2020
Updated the information under the McCloud heading.
41. 15 May 2020
Replaced Pension Benefits on Divorce with updated links.
42. 1 May 2020
Corrected the link titles under the divorce section.
43. 4 March 2020
Addition of armed forces pension scheme consolidated factors list.
44. 20 February 2020
Amended the formatting and added new 'McCloud update' heading.
45. 20 February 2020
Added the McCloud update document under the 'Taxation' heading.
46. 5 September 2019
Updated the taxation section of the web page with additional information.
47. 14 August 2019
Updated the text to reflect the most important information about Armed
Forces Pension schemes.
48. 28 January 2019
Included email address
49. 19 November 2018
New link added to the forms section
50. 1 August 2018
Guidance re-written to help service personnel and veterans find out about
their pensions. There has not been any changes to the available pension
schemes.
51. 25 May 2018
CICO form replaced with the latest version
52. 28 April 2016
Added contact details for the Equiniti Paymaster (EP) Communications Centre
(for armed forces pension payments queries).
53. 14 March 2016
CICO claim form replaced with latest edition
54. 21 January 2016
Added information about AFPS 15.
55. 14 October 2015
Updated contact details.
56. 3 June 2015
Updated the JPAC enquiry Centre information.
57. 18 May 2015
Added information about Gurkha Ex-Far East Prisoners of War Scheme.
58. 15 May 2015
Added information about the Far Eastern Prisoners of War Ex-Gratia Scheme
59. 14 May 2015
Updated the Criminal injuries compensation (overseas) scheme.
60. 7 May 2015
Updated text adding section "Changes from April 2015 affecting transfer
out. Updated Service deferred pensions section.
61. 24 March 2015
Updated 'Service preserved pensions' section.
62. 20 February 2015
Replaced list of links for Pension codes to one link to Pension code page.
Removed MMP 123 booklet.
63. 8 September 2014
Updated AFPS 15 information and added new video.
64. 4 June 2014
Added updated CIC(O) claim form.
65. 1 April 2014
Updated current contact details and information to reflect organisational
changes.
66. 18 February 2014
Added contact information regarding AFPS 15 enquiries.
67. 29 January 2014
Added paragraph on "Stakeholder Pensions".
68. 28 November 2013
Armed forces compensation content removed and published separately on a new
page.
69. 18 September 2013
Updated the AFPS 2015 section
70. 3 June 2013
Updated with information on the Armed Forces Pension Scheme. Added video
and transcript
71. 28 May 2013
Added information about legislation for the Armed Forces Compensation
Scheme
72. 17 May 2013
Removed commeration information and added link to Support for Veterans
page.
73. 8 April 2013
Updated AFIP information
74. 20 March 2013
New version of CICO claim form
75. 12 December 2012
First published.
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* Veterans' UK Armed Forces pension and insurance declaration forms
* Veterans UK: contact us
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* Armed Forces Pension Scheme 1975 Regulations
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