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Armed forces pensions

Fonte: Ministerio da Defesa Reino UnidoClique aqui para abrir o original em nova janela ↗
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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: 23 July 2026 — See all updates

Remediable Service Statement Delivery Update

Remediable Service Statement Delivery Update (PDF, 63.1 KB, 1 page)

Early Leavers – Pension Rights Notice

Early Leavers – Pension Rights Notice (PDF, 36.1 KB, 1 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.

Deferred and Preserved Pension Entitlement

A Guide to Deferred and Preserved Pension Entitlement

2015 scheme

Guidance relating to the Armed Forces Pension Scheme 2015.

2005 scheme

Guidance and documents relating to Armed Forces Pension Scheme 2005.

1975 scheme

Guidance and documents relating to the Armed Forces Pension scheme 1975.

Reserve service pension schemes

Guidance and documents relating to the reserve schemes.

Scheme valuations

Legislation

Legislation related to the Armed Forces Pension Scheme.

The Victoria Cross and George Cross

Gurkha Pension Scheme

Guidance and documents relating to the Gurkha pension scheme.

Gurkha Pension Manual

Children’s pensions/allowances

Guidance and documents relating to children’s pensions and allowances.

Divorce

Pension sharing rules of the Armed Forces Pension schemes and Reserve Forces Pension schemes.

Pension Savings Tax

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.

Calculate your public service pension adjustment - Use this service to correct your tax position if you have been affected by the public service pensions remedy (also known as McCloud).

Ill Health Tier Assessment Fact Sheet

Useful information regarding the different Tier assessments given by the Armed Forces Pension Scheme.

Armed Forces Pension Scheme Tier Awards Factsheet (ODT, 25.9 KB)

Armed Forces Pension Scheme Tier Awards Factsheet (PDF, 138 KB, 5 pages)

Ill Health Scheme Amends Consultation Response Note (PDF, 154 KB, 8 pages)

2015 Pension Remedy

Useful information regarding the different Tier assessments given by the Armed Forces Pension Scheme.

Armed Forces Payment Scheme - Adjustments to Pensions Due to Guaranteed Minimum Payment - December 2021

Guidance relating to adjustments to pensions.

Re-employment

Guidance and documents relating to re-employment.

Armed Forces and Reserve Pension Schemes: Re-employment (PDF, 405 KB, 26 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 at April 2025 is:

  • AFPS 2005 and AFPS 2015: £14,059
  • AFPS 1975: £20,397 (Officer) and £14,058 (Other Rank)

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.

Armed Forces Added Pension Calculator

The Armed Forces Added Pension Calculator provides an illustration of the figures you would receive from an added pension.

You will still need to submit Added pension quotation application (AFPS 15) (Form 6) for a quote, and Added pension purchase / cancellation (AFPS15) (Form 6A) to enter an added pension contract. Speak to an independent financial adviser if you need advice before making the decision.

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 factor guidance

The GAD factor guidance hub contains details on the actuarial factors provided by the Government Actuary Department to the MOD in respect of Armed Forces Pension Schemes and guidance notes related to those factors.

Any queries related to the calculation of pension benefits should be directed to the Armed Forces Pension Scheme and not the Government Actuary Department.

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.

Early Payment of Preserved Pension (EPPP) and Early Payment of Preserved Pension Increases (EPPI) (PDF, 862 KB, 1 page)

Early Payment of Preserved Pension (EPPP) and Early Payment of Preserved Pension Increases (EPPI) (MS Word Document, 18.3 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)

Retrospective Remedy FAQs (PDF, 207 KB, 9 pages)

2015 Remedy Tax Booklet (PDF, 230 KB, 14 pages)

Remediable Service Statement (RSS) User Guide - deferred choice (PDF, 1.16 MB, 47 pages)

The Armed Forces Pension Scheme 2015: Your Pension Scheme Explained (accessible) (ODT, 410 KB)

Pension forfeiture

Information about pension forfeiture.

Armed Forces Pension Schemes - pension forfeiture policy (PDF, 191 KB, 12 pages)

Armed Forces Pension Schemes - pension forfeiture policy (ODT, 50.7 KB)

What to do when a veteran dies

Find out about support options available when a veteran dies, including guidance on entitlements and bereavement support.

What to do when a veteran dies - GOV.UK

Pension scams

Pension Scams Action Group (PSAG) (PDF, 183 KB, 2 pages)

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

If you’re unhappy with the way your pension has been managed, you can make a complaint about the Armed Forces Pension Scheme

Updates to this page

Published 12 December 2012
Last updated 23 July 2026 Show all updates
  1. 23 July 2026

    'Scheme valuations' updated.

  2. 8 June 2026

    Added a link to the page 'Make a complaint about the Armed Forces Pension Scheme (AFPS)'

  3. 21 May 2026

    'Ill Health Scheme Amends Consultation Response Note' added.

  4. 15 May 2026

    'Your 2015 Pension Remedy, Explained – booklet' and 'Medical Officer and Dental Officer (MODO) Bonus – FAQs' updated.

  5. 30 April 2026

    'Remediable Service Statement Delivery Update' updated.

  6. 31 March 2026

    The Armed Forces Pensions Savings Tax Remedy Adjustment Booklet PDF has been updated.

  7. 11 February 2026

    The Discretionary Awards Appeal Review and Discretionary Awards Review have been removed. The Early Payment of Preserved Pensions Journey Map has been updated.

  8. 6 February 2026

    'Remediable Service Statement Delivery Update' updated.

  9. 8 January 2026

    '2015 Pension Remedy Contingent Decision/Compensation form' updated.

  10. 19 December 2025

    Updated 'Remediable Service Statement (RSS) Delivery Update' attachment.

  11. 16 December 2025

    The 'Armed Forces Pension Scheme Pension Savings Tax Booklet' has been updated.

  12. 15 December 2025

    'Early Leavers – Pension Rights Notice' pdf uploaded.

  13. 2 December 2025

    Added: 'Remediable Service Statement (RSS) Delivery Update' and '2015 Pension Remedy Contingent Decision/Compensation form'.

  14. 27 November 2025

    Updated 'Armed Forces and Reserve Pension Schemes: Re-employment'.

  15. 24 October 2025

    'Pension Savings Tax Annual Allowance 2024/2025 Booklet' updated.

  16. 2 October 2025

    Updated 'Remediable Service Statement (RSS) - delivery update'.

  17. 17 September 2025

    Added 'Pension Savings Tax Annual Allowance 2024/2025 Booklet' and 'Pension Savings Statement 2024/2025 step-by-step guide'.

  18. 27 August 2025

    Added 'Pension scams'.

  19. 15 August 2025

    'Remediable Service Statement (RSS) - delivery update' updated.

  20. 10 July 2025

    Updated: 'Remediable Service Statement (RSS) - delivery update'.

  21. 2 July 2025

    Updated '2015 Pension Remedy - Divorce Information Note'.

  22. 23 June 2025

    Updated 'Resettlement Grant'.

  23. 20 June 2025

    Updated 'Armed Forces Pension Schemes consolidated factor guidance'. Added 'A guide to R-PSS statements'.

  24. 22 May 2025

    Updated 'RSS FAQs for Active and Deferred Members '.

  25. 4 April 2025

    Added 'Medical Officer and Dental Officer (MODO) Bonus – FAQs'.

  26. 27 March 2025

    Updated 'Remediable Service Statement (RSS) - delivery update'.

  27. 27 March 2025

    Added 'Scheme valuations'. Updated 'Resettlement Grant'.

  28. 18 March 2025

    Added 'Armed Forces Added Pension Calculator'.

  29. 7 February 2025

    Added: 'Delays to Pensions Savings Statements for Tax Year 23-24'

  30. 6 February 2025

    Updated 'Your 2015 Pension Remedy explained – booklet'.

  31. 6 February 2025

    Added: 'Remediable Service Statement (RSS) Delivery Update'

  32. 3 February 2025

    Added: 'RSS FAQ for Active and Deferred Members'

  33. 15 January 2025

    Updated: Armed Forces Pension Scheme – a guide to your Pension Savings Statement for tax year 2023/24.

  34. 19 December 2024

    Updated 'Armed Forces Pension Scheme Pension Savings Tax Booklet - AFPS members’ guide to Pension Savings Tax Annual Allowance (AA) and 2015 Pension Remedy Retrospective Adjustment' and 'Armed Forces and Reserve Pension Schemes: Re-employment'.

  35. 10 December 2024

    'HMRC Frequently Asked Questions – Self Assessment Returns 23/24 and delayed Pension Savings Statements' attachment added.

  36. 5 December 2024

    Updated: 'Your 2015 Pension Remedy explained - booklet'.

  37. 29 November 2024

    What to do when a veteran dies support link has been added.

  38. 27 November 2024

    Updated: 'Your 2015 Pension Remedy, Explained – booklet'.

  39. 22 November 2024

    Added 'Delay in issuing Remediable Service Statement (RSS) statement'.

  40. 14 November 2024

    Added 'How to calculate your public service pension adjustment (HMRC video)'.

  41. 8 November 2024

    Added 'AFPS members’ guide to Lump Sum Allowance and Lump Sum Death Benefit Allowance' and link to 'Calculate your public service pension adjustment'.

  42. 1 November 2024

    Updated: Pension Savings Tax section.

  43. 31 October 2024

    Added: Armed Forces Pension Scheme – a guide to your Pension Savings Statement for tax year 2023/24 and Armed Forces Pension Scheme Pension Savings Tax Booklet - AFPS members’ guide to Pension Savings Tax Annual Allowance (AA) and 2015 Pension Remedy Retrospective Adjustment.

  44. 23 October 2024

    Added: 'Armed Forces and Reserve Pension Schemes: Re-employment'; 'Gurkha Pensions: What scheme are you in? (English and Nepalese)'; 'Differences between the Armed Forces Pension Schemes and the Gurkha Pension Scheme (English and Nepalese)' and 'The Indian Central Pay Commission and the Gurkha Pension Scheme - factsheet (English and Nepalese)'.

  45. 11 October 2024

    Removed: Armed Forces and Reserve Pension Schemes (re-employment) which is no longer current.

  46. 2 October 2024

    Added link to legislation, 'The Armed Forces Pensions (Remediable Service) Regulations 2023'.

  47. 9 July 2024

    Added '2015 Pension Remedy - Divorce Information Note'.

  48. 11 June 2024

    Added AFPS Tier Awards Fact Sheet

  49. 22 May 2024

    Guidance included for Deferred and Preserved Pension Entitlement.

  50. 15 May 2024

    Updated: Member Voluntary Contributions (MVC) Factsheet.

  51. 2 May 2024

    Updated 'Your 2015 Pension Remedy, Explained – booklet'.

  52. 16 April 2024

    Added 'The Armed Forces Pension Scheme 2015: Added Pension Explained'.

  53. 28 March 2024

    Added 'The process for purchasing Added Pension contracts under AFPS 15'.

  54. 11 March 2024

    Added: subsection 'Pension forfeiture'.

  55. 7 March 2024

    Added Pension Savings Tax newsletter.

  56. 19 February 2024

    Updated 'Annual Allowance and 2015 Pension Remedy Newsletter'.

  57. 15 February 2024

    Added 'Armed Forces Pension Schemes consolidated factors: 2023 to 2024'.

  58. 9 February 2024

    Added 'Member Voluntary Contributions (MVC) Factsheet' under 2015 Pension Remedy, and added 'Annual Allowance and 2015 Pension Remedy Newsletter' under Pension Savings Tax.

  59. 26 January 2024

    Updated the value of the AFPS 2005 and AFPS 2015 Resettlement grant.

  60. 23 January 2024

    Added 'Remediable Service Statement (RSS) User Guide - immediate choice'.

  61. 9 January 2024

    Added a link to 'Actuarial valuation of the Armed Forces Pension Schemes 2020' under '2015 scheme'.

  62. 4 January 2024

    Updated 'The Armed Forces Pension Scheme 2015: Your Pension Scheme Explained '.

  63. 29 November 2023

    Heading ‘2015 remedy update’ changed to ‘2015 Pension Remedy’.

  64. 22 November 2023

    Updated: Member Voluntary Contributions factsheet.

  65. 17 November 2023

    Updated 'Remediable Service Statement (RSS) User Guide'.

  66. 14 November 2023

    Added 'Remediable Service Statement (RSS) User Guide' under '2015 Remedy update'.

  67. 3 October 2023

    Section '2015 Remedy update' updated with 'Remedy Explained booklet'.

  68. 29 September 2023

    Added: 'Member Voluntary Contributions factsheet' under '2015 Remedy update'.

  69. 26 September 2023

    Updated '2015 Remedy update - September 2023', and added 'Compensation claim form' and 'Contingent Decisions claim form'.

  70. 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.

  71. 15 September 2023

    Added 2015 Remedy update - September 2023.

  72. 7 September 2023

    '2015 Remedy Tax Booklet' added under 'Taxation'.

  73. 21 July 2023

    Added information under the 'Taxation' heading.

  74. 10 July 2023

    Updated 'Pension Taxation Booklet'.

  75. 20 June 2023

    Updated 'Armed forces factor summary'.

  76. 22 May 2023

    Updated 'Armed Forces and Reserve Pension Schemes (re-employment)'.

  77. 18 April 2023

    Updated information under 'Resettlement Grant' heading.

  78. 13 April 2023

    Updated information under 'Resettlement Grant' heading.

  79. 3 April 2023

    Added: 'Retrospective Remedy FAQs' under subheading '2015 Remedy update'.

  80. 8 March 2023

    Added: AFPS customer journey maps.

  81. 6 March 2023

    Addition of link to 'Armed Forces Pension Scheme: Retrospective Remedy' consultation under '2015 Remedy update'.

  82. 22 August 2022

    Updated and included attachements

  83. 28 July 2022

    Added section Children’s pensions/allowances and accompanying document Children’s Pensions & Allowances.

  84. 15 July 2022

    Added a link to Armed Forces Pension Scheme 1975 (JSP 854).

  85. 5 July 2022

    Updated Pension Taxation Booklet attachment.

  86. 29 June 2022

    Updated the Pension Taxation Booklet.

  87. 17 June 2022

    Edited link under 'Taxation' to most recent guidance.

  88. 31 March 2022

    Removed outdated section on 'Pension taxation seminars and one-to-one sessions for the Armed Forces'

  89. 29 March 2022

    Addition of new section, 'Gibraltar Pension Scheme'.

  90. 4 January 2022

    Addition of: Pension taxation seminars and one-to-one sessions for the Armed Forces.

  91. 22 December 2021

    Update of guidance - adjustments to pensions due to guaranteed minimum payment - December 2021

  92. 26 November 2021

    Addition of news story under subheading 'The Victoria Cross and George Cross'.

  93. 22 November 2021

    Addition of link to 'Armed Forces Pension Scheme: Future pension provision from 1 April 2022' under the heading 'McCloud update'.

  94. 14 September 2021

    Addition of: The Armed Forces Early Departure Payments Scheme Regulations 2014 to the legislation list.

  95. 13 September 2021

    Document updated: 'Armed Forces Pension members guide to taxation of pension benefits' under the heading 'Taxation'.

  96. 23 July 2021

    Added Pension Sharing Order Corrections Factsheet

  97. 22 July 2021

    Added McCloud Update - July 2021

  98. 7 June 2021

    Updated: resettlement grant figures.

  99. 18 December 2020

    Addition of: Gurkha Pension Manual and updated the text under AFPS 1975 heading.

  100. 25 November 2020

    Addition of information relating to adjustments to pensions November 2020.

  101. 13 November 2020

    Updated the Armed Forces Pension taxation booklet.

  102. 29 September 2020

    Addition of: Armed Forces Pension Arrangements Pension Sharing on Divorce.

  103. 23 July 2020

    Updated the links under the 'Taxation' heading.

  104. 22 July 2020

    Added updated versions of the Armed Forces Pension Scheme guidance booklets 1975, 2005 and 2015.

  105. 16 July 2020

    Updated the information under the McCloud heading.

  106. 15 May 2020

    Replaced Pension Benefits on Divorce with updated links.

  107. 1 May 2020

    Corrected the link titles under the divorce section.

  108. 4 March 2020

    Addition of armed forces pension scheme consolidated factors list.

  109. 20 February 2020

    Amended the formatting and added new 'McCloud update' heading.

  110. 20 February 2020

    Added the McCloud update document under the 'Taxation' heading.

  111. 5 September 2019

    Updated the taxation section of the web page with additional information.

  112. 14 August 2019

    Updated the text to reflect the most important information about Armed Forces Pension schemes.

  113. 28 January 2019

    Included email address

  114. 19 November 2018

    New link added to the forms section

  115. 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.

  116. 25 May 2018

    CICO form replaced with the latest version

  117. 28 April 2016

    Added contact details for the Equiniti Paymaster (EP) Communications Centre (for armed forces pension payments queries).

  118. 14 March 2016

    CICO claim form replaced with latest edition

  119. 21 January 2016

    Added information about AFPS 15.

  120. 14 October 2015

    Updated contact details.

  121. 3 June 2015

    Updated the JPAC enquiry Centre information.

  122. 18 May 2015

    Added information about Gurkha Ex-Far East Prisoners of War Scheme.

  123. 15 May 2015

    Added information about the Far Eastern Prisoners of War Ex-Gratia Scheme

  124. 14 May 2015

    Updated the Criminal injuries compensation (overseas) scheme.

  125. 7 May 2015

    Updated text adding section "Changes from April 2015 affecting transfer out. Updated Service deferred pensions section.

  126. 24 March 2015

    Updated 'Service preserved pensions' section.

  127. 20 February 2015

    Replaced list of links for Pension codes to one link to Pension code page. Removed MMP 123 booklet.

  128. 8 September 2014

    Updated AFPS 15 information and added new video.

  129. 4 June 2014

    Added updated CIC(O) claim form.

  130. 1 April 2014

    Updated current contact details and information to reflect organisational changes.

  131. 18 February 2014

    Added contact information regarding AFPS 15 enquiries.

  132. 29 January 2014

    Added paragraph on "Stakeholder Pensions".

  133. 28 November 2013

    Armed forces compensation content removed and published separately on a new page.

  134. 18 September 2013

    Updated the AFPS 2015 section

  135. 3 June 2013

    Updated with information on the Armed Forces Pension Scheme. Added video and transcript

  136. 28 May 2013

    Added information about legislation for the Armed Forces Compensation Scheme

  137. 17 May 2013

    Removed commeration information and added link to Support for Veterans page.

  138. 8 April 2013

    Updated AFIP information

  139. 20 March 2013

    New version of CICO claim form

  140. 12 December 2012

    First published.

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