The Service Pension Schemes

Armed Forces and Reserve forces pension schemes: guidance booklets

Your pay and pension

Find out about different pay and retention options, X factor and your non-contributory pension scheme. Answer questions if you want to see what you may be entitled to click on the Pay and Pension image below:

Pay and Pension extract from RAF section of the Discover my Benefits website.

Your Pay

Pay is based on a number of factors, primarily your rank and specialisation. The information in this section will help you learn more about the money to which you will be entitled for serving in the Armed Forces.

Your Pension

Armed Forces veterans receive one of the most generous pension schemes in the UK. Service Personnel do not contribute to their pension out of their salary unlike civil servants and most in the private sector. Look for the pension scheme you belong to learn about how your pension is calculated and how it will increase over time

The current pension schemes

  • AFPS 75 (Armed Forces Pension Scheme 1975)

Introduced in 1975 this scheme was closed to new entrants on 5 April 2005.

  • 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.

  • AFPS 15 (Armed Forces Pension Scheme 2015)

The new Armed Forces Pension Scheme was introduced on 1 April 2015. All service personnel who are members of an Armed Forces Pension Scheme and who will be serving beyond April 2015 will be automatically transferred to AFPS 15, unless they qualify for transitional protection.

Pension Administration

Service pensions are administered by Veterans UK. Email: [email protected] Freephone (UK only): 0808 1914 2 18Telephone (overseas): +44 1253 866 0437:30 am to 6:30 pm Monday to Thursday
7:30 am to 5:00 pm Friday  

War Pension Scheme

Information about compensation schemes for UK serving and former serving personnel injured as a result of their service in the armed forces.

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.

The Forces Pension Society run briefings across all three services in the UK and overseas. They last for approximately 60 minutes and describe their work and its value to serving and retired members of the Armed Forces and their dependants.  

For more information, visit the Forces Pension Society website or telephone 020 7820 9988.