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The Forces Pension Society - Protecting Your Interests

WreckerL

War Hero
Super Moderator
Not a messdeck lawyer at all, just stating facts.

You knew the pension rights when you signed on, do 22 or no pension. Thems were the rules in them thar days, harsh maybe, but that's the way it was.
 
The sales pitch is for those hardest hit by Forces pension changes. You don't qualify for a Forces pension under the rules you signed up to so don't have a case!

I am a Naval pensioner but I don't qualify for a pension by the rules as they were when I signed up in 1966, so your point is specious. However, I do qualify under the Social Security Act 1973 and the regulations of the consequent AFPS 1975.
The point is not about the qualifying rules as they were when signing up but the chronological scope of application of subsequent rules which favoured some who signed up under the previous narrowly drawn pension rules and not others.

I hadn't expected a pension when I took my discharge, I thought I didn't qualify and I was pleasantly surprised when I was awarded a preserved pension.
I believe that before April 1975 anyone who completed 12 years reckonable service and less than 22 years was awarded a pro rata gratuity on top of their resettlement grant on discharge.
Perhaps it would have been wise to have invested that gratuity in a private pension scheme instead of treating it as a windfall to be squandered.
I'm sure that some did invest it but I suspect many didn't.

"There have been long-running campaigns that the right to a preserved pension should be extended to those who left before April 1975. Successive governments have argued that discretionary changes to improve the benefits from public service pension schemes should be implemented from a current date for future service only. Improvements are not applied retrospectively, as to do otherwise would “make any worthwhile improvements unaffordable.”

House of Commons Library
Armed Forces Pension Scheme and preserved pensions Standard Note: SN 1151

The bottom line, then, is that it would cost too much since, ironically, for the sake of fairness, such discretionary arrangements would have to apply to all public service employees affected as well.
Do I think this is unjust? Yes, I do.
 
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Jack Sparrow

Lantern Swinger
I don't qualify for a pension by the rules under which I signed up in 1966 but I do under the Social Security Act 1973 and the regulations of the subsequent AFPS 1975.
I hadn't expected a pension when I took my discharge and I was pleasantly surprised when I was awarded a preserved pension.
I believe that before April 1975 anyone who completed 12 years reckonable service and less than 22 years was awarded a pro rata gratuity on top of their resettlement grant on discharge.
Perhaps it would have been wise to have invested that gratuity in a private pension scheme.
Having served 12 years from 1960 to 1971 I was awarded exactly nothing when I was discharged, perhaps the establishment trick was to take recruits at 15 years old and then say that I (in fact my parents!) had signed on for 9 years, starting from the age of 18? So what shall we call the 3 years before the age of 15? Slavery? Servitude? Captivity? Because if I wasn't officially serving the queen, just what was I being forced to do?
 
Having served 12 years from 1960 to 1971 I was awarded exactly nothing when I was discharged, perhaps the establishment trick was to take recruits at 15 years old and then say that I (in fact my parents!) had signed on for 9 years, starting from the age of 18? So what shall we call the 3 years before the age of 15? Slavery? Servitude? Captivity? Because if I wasn't officially serving the queen, just what was I being forced to do?

I don't feel your pain because I started my service two days before my eighteenth birthday but I must say I agree with you. I think you should at least be accredited for nine of those years.
I think, but I don't know for sure, that no pension scheme will accept members under the age of eighteen. In the case of the Workplace Pension Scheme the lower age is twenty two years.

By the way, did you know that the SSA1973 was enacted to satisfy the conditions of our entry to the Common Market? I suspect that if we hadn't joined, the pension regulations pre 1975 would have remained, they might even have worsened.
 
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I find the following interesting, it's from a government information leaflet.

"Following the introduction of preserved pensions in 1975, those individuals who served after 31 March 1975 and who left the Armed Forces with a preserved pension award could have their pension transferred to another public sector scheme. "
On discharge, I was told specifically that I could not transfer my preserved pension to any other pension scheme.
I don't know whether or not being denied transferring my pension to the public sector scheme I subsequently joined on discharge has disadvantaged me financially.
 
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Yet again there is a petition aimed at Parliament about Armed Forces pensions...

The post Petition to Parliament appeared first on Forces Pension Society.

I'm appalled that there is such ignorance about the taxable status of non armed forces public service pensions. Petitions such as the one reported here, based on a misapprehension of fact, paint armed services pensioners in a very poor light and does those who negotiate well founded pension issues on our behalf no favours at all.

I believe that it is incumbent upon anyone attempting to draw comparisons between the pension arrangements of the various areas of public service to make sure their information is true and accurate before jumping in with both feet.
 
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