Information for members of the LGPS and those with police, firefighter, teacher and NHS pensions
Last updated:
14 June 2017

What if I leave or opt out before normal pension age?

If you leave or opt out of the FPS 1992.

Opting out

You can choose to opt out of the Firefighters’ Pension Scheme 1992 (FPS 1992) before normal pension age of 55 at any time by completing an opt-out form and sending it to your payroll department.

If you opt out within one month of re-joining the FPS 1992 following a transfer of employment from another English Fire and Rescue Authority and have not transferred other pension benefits into the scheme you will be treated as never having re-joined the scheme.  If any pension contributions have been deducted from your pay, they will be refunded through payroll.

Leaving employment

If you leave your employment as a firefighter or opt out more than one month after re-joining the scheme, you will become entitled to keep your pension benefits in the FPS 1992. Your pension benefits will remain deferred in the FPS 1992 until you reach age 60 when it will come into payment unless you choose to transfer your benefits to another pension scheme.

If you keep your benefits deferred in the FPS 1992 your deferred pension will be increased each year by the cost of living as measured by Pensions Increase (Review) Orders and we will send you an annual statement so you know the value of your benefits.

Transferring your benefits

You can exercise the option to transfer your benefits to another pension scheme at any time up to one year before your deferred pension age of 60. If you keep your benefits deferred in the FPS 1992 your deferred pension will be increased each year by the cost of living as measured by the Pensions Increase (Review) Orders and we will send you an annual statement so you know the value of your benefits.

There are restrictions on the types of pension arrangement that you can transfer your benefits to so, please contact Pensions team if you wish to transfer your benefits to another pension scheme.

Drawing your benefits

If you are no longer employed by a fire and rescue authority in England you can draw your benefits without reductions being applied from your deferred pension age of 60. We will contact you before your deferred pension age to confirm the benefits due to you but you can request payment before this date by contacting the Pensions team.

 

 

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