About the Firefighters' Pension Scheme 1992

The Firefighters' Pension Scheme is an unfunded, occupational pension scheme. It is a national scheme with individual fire and rescue authorities responsible for its administration.

Being a member

The scheme is not open to new recruits and it is no longer possible to transfer other pension rights into the scheme.

Contributions

You contribute a percentage of your pensionable pay towards your pension. Your contribution rate is determined by your pensionable pay; if you are part-time, your pay is scaled up to its whole-time equivalent. Contribution rates are on the active member page.

Benefits
  • Pension based on service and final pay
  • Option to commute (exchange) pension for a retirement lump sum
  • Option to pay extra towards your pension
  • Ill health and injury pensions
  • Death in service lump sum
  • A pension for your surviving widow, widower or civil partner
  • Pensions for dependent children
How your pension is worked out

Your FPS pension will be based on your final average pensionable pay and your pensionable service. Pensions for different types of retirements are worked out slightly differently, but the basic idea is that:

  • Each of the first 20 years of pensionable service will be worth 1/60 of your final pay
  • Each of the following 10 years will be worth 2/60 of your final pay
  • You cannot build up more than 30 years' pensionable service, worth 40/60 of your final pay
Examples Calculation
If you retire at age 55 with 30 years' pensionable service and final pay of £30,000, your pension would be: (20 x 1/60) + (10 x 2/60) x £30,000 = £20,000 a year
If you retire at age 50 with 27 years' pensionable service and final pay of £30,000, your pension would be: (20 x 1/60) + (7 x 2/60) x £30,000 = £17,000 a year
Part time service

Part time service builds up as a proportion of full time service. If you have ever worked part-time, your pension will be worked out as if you had worked whole time, and then it will be adjusted to reflect your part time service.

Your final average pensionable pay would be based on whole time pay - let's say £36,000. If you worked whole time for 20 years and half-time for 6 years, you would have calendar length service of 26 years.

Example Calculation
Your pension would be worked out as if you had worked whole time for 26 years: (20 x 1/60) + (6 x 2/60) x £36,000 = £19,200 a year
Then your calendar length service would be converted into pensionable service: 20 + (1/2 x 6) = 23 years
The whole time pension would be multiplied by pensionable service to show your yearly pension: 23/26 x £19,200.00 = £16,984.62 a year
Guides on the DCLG website

These pages from the DCLG website are no longer being updated.