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
22 May 2025 — See all updates

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)

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, 345 KB, 17 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 2024 is:

  • AFPS 2005 and AFPS 2015: £13,454
  • AFPS 1975: £19,519 (Officer) and £13,452 (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 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.

AFPS – Consolidated Factor Spreadsheet 2023-04 (799 KB)

AFPS – Consolidated Factor Spreadsheet 2023-04 (ODS, 508 KB)

AFPS – Consolidated Factor Spreadsheet 2023-01 (837 KB)

AFPS – Consolidated Factor Spreadsheet 2023-01 (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)

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

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

Updates to this page

Published 12 December 2012
Last updated 22 May 2025 show all updates

  1. Updated 'RSS FAQs for Active and Deferred Members '.

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

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

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

  5. Added 'Armed Forces Added Pension Calculator'.

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

  7. Updated 'Your 2015 Pension Remedy explained – booklet'.

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

  9. Added: 'RSS FAQ for Active and Deferred Members'

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

  11. 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'.

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

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

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

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

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

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

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

  19. Updated: Pension Savings Tax section.

  20. 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.

  21. 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)'.

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

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

  24. Added '2015 Pension Remedy - Divorce Information Note'.

  25. Added AFPS Tier Awards Fact Sheet

  26. Guidance included for Deferred and Preserved Pension Entitlement.

  27. Updated: Member Voluntary Contributions (MVC) Factsheet.

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

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

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

  31. Added: subsection 'Pension forfeiture'.

  32. Added Pension Savings Tax newsletter.

  33. Updated 'Annual Allowance and 2015 Pension Remedy Newsletter'.

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

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

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

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

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

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

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

  41. Updated: Member Voluntary Contributions factsheet.

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

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

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

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

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

  47. 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.

  48. Added 2015 Remedy update - September 2023.

  49. '2015 Remedy Tax Booklet' added under 'Taxation'.

  50. Added information under the 'Taxation' heading.

  51. Updated 'Pension Taxation Booklet'.

  52. Updated 'Armed forces factor summary'.

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

  54. Updated information under 'Resettlement Grant' heading.

  55. Updated information under 'Resettlement Grant' heading.

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

  57. Added: AFPS customer journey maps.

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

  59. Updated and included attachements

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

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

  62. Updated Pension Taxation Booklet attachment.

  63. Updated the Pension Taxation Booklet.

  64. Edited link under 'Taxation' to most recent guidance.

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

  66. Addition of new section, 'Gibraltar Pension Scheme'.

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

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

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

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

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

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

  73. Added Pension Sharing Order Corrections Factsheet

  74. Added McCloud Update - July 2021

  75. Updated: resettlement grant figures.

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

  77. Addition of information relating to adjustments to pensions November 2020.

  78. Updated the Armed Forces Pension taxation booklet.

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

  80. Updated the links under the 'Taxation' heading.

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

  82. Updated the information under the McCloud heading.

  83. Replaced Pension Benefits on Divorce with updated links.

  84. Corrected the link titles under the divorce section.

  85. Addition of armed forces pension scheme consolidated factors list.

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

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

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

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

  90. Included email address

  91. New link added to the forms section

  92. 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.

  93. CICO form replaced with the latest version

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

  95. CICO claim form replaced with latest edition

  96. Added information about AFPS 15.

  97. Updated contact details.

  98. Updated the JPAC enquiry Centre information.

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

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

  101. Updated the Criminal injuries compensation (overseas) scheme.

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

  103. Updated 'Service preserved pensions' section.

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

  105. Updated AFPS 15 information and added new video.

  106. Added updated CIC(O) claim form.

  107. Updated current contact details and information to reflect organisational changes.

  108. Added contact information regarding AFPS 15 enquiries.

  109. Added paragraph on "Stakeholder Pensions".

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

  111. Updated the AFPS 2015 section

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

  113. Added information about legislation for the Armed Forces Compensation Scheme

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

  115. Updated AFIP information

  116. New version of CICO claim form

  117. First published.

Sign up for emails or print this page

Contents

Related content