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

How do I know if I have full or tapered protection?

Find out how to tell if your RFMPS 2006 pension is full or tapered.

You are fully protected if you were a member of the Retained Firefighters' Modified Pension Scheme 2006 (RFMPS 2006) and, as at 1 April 2012, were aged 50 or more. If you meet this condition you will remain in the Retained Firefighters' Modified Pension Scheme 2006 (RFMPS 2006) until your retirement. Unlike members of the RFMPS 2006 who transfer to the Firefighters’ Pension Scheme 2015 (FPS 2015), you will continue to have a cap of 30 years’ service on the amount of pension that you can earn, even if you pay pension contributions for over 30 years.

You will have tapered protection if you were a member of the RFMPS 2006 and, as at 1 April 2012, were between the ages of 46 and 50. Your tapered protection date is personal to you and at your taper date you will move from the RFMPS 2006 to the FPS 2015. Your existing RFMPS 2006 pension will not transfer with you and will remain fully protected in the RFMPS 2006. If your tapered protection date falls after you choose to retire, you will not move across to the FPS 2015.

You are unprotected if you were a member of the RFMPS 2006 scheme and, as at 1 April 2012, were under the age of 46. Unprotected members transitioned into the FPS 2015 on 1 April 2015.

If you retire after transferring across to the FPS 2015, you will have pension rights in both the RFMPS 2006 and FPS 2015. This means you will have a ‘two part’ pension.

  • Part 1 - The first part of your pension remains fully protected in the RFMPS 2006 and, if you remain an active scheme member it can be taken, on retirement, from age 55 without a reduction being applied. Your RFMPS 2006 pension will be calculated on your final pensionable pay at your date of retirement.
  • Part 2 – The second part of your pension is in the FPS 2015. If you remain an active member, this can be taken: from age 55 with a reduction, at age 60 without any reduction, or after age 60 with a pension enhancement. If you have left service before being entitled to take your 2015 scheme pension, it will come into payment in full at your state pension age.
 

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