Here you will find all the information about the 2015 firefighters pension scheme, including how much it cost to contribute, how to transfer benefits and most importantly how to retire.Scroll Down
What Does It Cost?
Click here to find out how much it costs to contribute to the pension Scheme.
Refund of Contributions
Click here for information on claiming a refund.
Click here to find out more about paying additional contributions in the Firefighters 2015 scheme.
Click here to find out how to transfer your benefits out of the Firefighters 2015 scheme.
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 2015 scheme.
Click here to find out all need to know about claiming your benefits in the Firefighters 2015 scheme.
Fire Age Discrimination Case (McCloud/Sargeant)
Click here for Information on the age discrimination case (McCloud/Sargeant).
2015 Scheme FAQs
Click here to view the most commonly asked questions about your pension.
For the latest Firefighters Scheme news click here.
Click here to view links to other useful pension related websites.
The first national pension scheme specifically designed for firefighters was introduced in 1926. The rules have changed over the years and this page explains the provisions of the Firefighters’ Pension Scheme 2015 (“FPS 2015”) as set out in the Firefighters’ Pension Scheme (England) Regulations 2014 which came into effect on 1 April 2015. It is the occupational pension scheme for those who are first appointed by an English fire and rescue authority as operational firefighters on or after that date, or who are transferred from an earlier version of the Scheme.
The two previous Schemes – the Firefighters’ Pension Scheme 1992 (“FPS 1992”) and the Firefighters’ Pension Scheme 2006 (“FPS 2006”) – continue in force for firefighters who were serving before that date and who are eligible to remain members of their earlier Scheme.
They also continue in force for the previous pension rights of “transition members”, i.e. those who are compulsorily transferred from an earlier Scheme to FPS 2015; the pension they have built up at the point of transfer is protected and will still be available for payment, reflecting some of the terms of their previous Scheme.
FPS 2015 is a statutory, defined benefit, career average, public service pension scheme made under the Public Service Pensions Act 2013. Career average scheme benefits are calculated based on a proportion of pay for each year of membership.
Unlike occupational pension schemes in the private sector, FPS 2015 does not have trustees, nor does it have the type of pension fund which uses investments to help meet its liabilities. Although each fire and rescue authority maintains a “Firefighters’ Pension Fund” which –
- receives contributions from firefighter members and from the employing fire and rescue authority,
- pays out benefits to and in respect of members, and
- makes and receives transfer payments to and from other pension schemes
An authority does not have the power to invest the money. 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 takes the excess to cover the shortfall in other Funds.
Social Security rules can have an impact on the way pension schemes work. FPS 2015 is currently “contracted-out” of the State Second Pension arrangements, i.e. those which provide the additional element of pension paid on top of the Basic State 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.
FPS 2015 is a registered pension scheme for the purposes of the Finance Act 2004. This means that HM Revenue and Customs allow certain tax concessions. Pension contributions attract tax relief; certain benefits, provided they are within set limits, are exempt from tax charges.
Like other pension schemes, FPS 2015 must comply with Pension Acts. “Disclosure of Information” Regulations made under Pension Acts require you to be given items of basic information about the Scheme; this page has been written to comply with those Regulations.
Some pension terms may be unfamiliar to you or have a special meaning in the context of FPS 2015. An explanation of terms and expressions is given in the scheme member booklet.