2006 Scheme

Here you will find all the information about the 2006 firefighters pension scheme, including how much it cost to contribute, how to transfer benefits and most importantly how to retire.

What Does It Cost?

Click here to find out how much it costs to contribute to the pension Scheme.

Increasing Benefits

Click here to find out more about paying additional contributions in the Firefighters 2006 scheme.

Transfer Out

Click here to find out how to transfer your benefits.

Ill Health

Click here to find out about retiring through ill health.

Divorce & Dissolving Civil Partnerships

Click here to find out about how divorce may affect your pension benefits in the Firefighters 2006 scheme.

Retirement

Click here to find out all need to know about claiming your benefits in the Firefighters 2006 scheme.

Regulatory Information

Click here to find out about our regulatory information.

2006 Scheme FAQs

Click here to view the most commonly asked questions about your pension.

Useful Links

Click here to view links to other useful pension related websites.

2006 Scheme

The first national pension scheme specially designed for firefighters was introduced in 1926. As with all occupational pension schemes, the rules of the Firefighters’ Pension Scheme are reviewed and amended from time to time to reflect changes in the nature of the service, and society as a whole. This page explains the rules of the pension scheme as set out in the Firefighters’ Pension Scheme (England) Order 2006 and referred to here as “the New Firefighters’ Pension Scheme” or “NFPS”. It came into effect on 6 April 2006. The previous Scheme – the Firefighters’ Pension Scheme 1992 – continues in force for firefighters who were serving before that date and who wish to remain members of that Scheme.

The NFPS is a statutory, public service pension scheme made under section 34 of the Fire and Rescue Services Act 2004. Unlike occupational pension schemes in the private sector, it does not have trustees. Also, it does not have the usual type of pension fund found in the private sector which uses investments to help meet its liabilities. Although each fire and rescue authority is required to maintain a pension fund which:-

  • receives employee and employer contributions and transfer
    values from other schemes, and
  • pays out benefits and transfer values to other schemes

the authority does not have the power to invest the money as would normally be the case with a pension fund. If the fund has insufficient money to meet all of its pension liabilities, the Secretary of State will make up the shortfall; if the fund is in surplus, the Secretary of State will take the excess to cover any shortfall in the funds of other authorities.

Social Security rules can have an impact on the way pension schemes work. The NFPS is “contracted out” of the State Second Pension arrangements, i.e. the additional element of pension paid on top of the Basic State Retirement Pension. To be given contracted out status a pension scheme has to meet certain minimum requirements. Members of a contracted out scheme pay a lower, contracted out rate of National Insurance contributions.

Her Majesty’s Revenue and Customs give certain tax concessions to “registered” pension schemes. The NFPS is such a scheme. This means that contributions paid and benefits accrued, provided they are within certain limits, are exempt from tax charges.

Like all other pension schemes, the NFPS must comply with Pension Acts although, as a public service scheme, it is exempt from some requirements. Regulations made under Pension Acts require you to be given certain items of basic information about the Scheme.

 

Member Guides

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2006-scheme-decision-tree-yps-version
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2006-scheme-unprotected-benefits
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