The Service Pension Schemes

There are currently three Armed Forces Pension Schemes for members of the Services. However this will change to one scheme for all from Apr 2015.


To keep abreast of developments on pensions keep an eye on our Financial News pages.


Also there is a useful link in the Gov website


The current schemes

AFPS 75 (Armed Forces Pension Scheme 1975)

Introduced in 1975 this scheme was closed to new entrants on 5 April 2005.  To see the Pension Rates 2010 for this scheme Click here


AFPS 05 (Armed Forces Pension Scheme 2005)

This scheme was opened on 6 April 2005. From that date those joining the Regular Armed Forces were eligible to become members of the Armed Forces Pension Scheme 2005. Members of AFPS 75 were given the opportunity to transfer to the new scheme (this offer has now expired).

RFPS (Reserve Forces Pension Scheme)

Also introduced on 6 April 2005 for those joining Full Time Reserve Service  was RFPS eligible for membership of the Reserve Forces Pension Scheme. Members of AFPS 75 – FTRS (Full Time Reserve Scheme) (part of AFPS 75) were given the opportunity to transfer to RFPS from this date.


Pension Administration

Service pensions are administered by the Service Personnel and Veterans Agency (SPVA) at Glasgow. SPVA have also just produced a newsletter which may be of assistance.

SPVA address is:

SPVA, JPAC Enquiry Centre, Mail Point 403, Kentigern House, 65 Brown Street, Glasgow G2 8EX.

Telephone: 0141 224 3600  Freephone: 0800 085 3600  Mil: 94560 3600


The Armed Forces Benefits, and Pensions Calculator (ABC)

The Pension Calculator is a facility for you to see your likely pension entitlement.  It is for guidance purposes only and is not intended to provide you with financial advice but is an interesting exercise never-the-less.


The Forces Pension Society 

Forces Pension Society is the pension watchdog for those serving and retired and their dependants.  It is an independent not-for-profit organisation that campaigns for better pensions (right now, it is engaged in the development of the next AFP Scheme) and guides its Members through the complexities of pension entitlements.

FPS is funded by its Membership subscriptions and offers a Pension Helpline service plus numerous other membership benefits, from a healthcare scheme to discounted travel.

There is a growing number of over 43,000 Society Members.  The larger the number, the stronger the Society’s voice in the protection of the interests of its Members and of the military community as a whole.

For more information, visit or telephone 020 7820 9988.

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