The New Firefighters’ Pension Scheme 2006 (NFPS 2006) was modified to provide pension benefits to individuals who were employed as a retained firefighter by a fire and rescue authority between 1 July 2000 and 5 April 2006. These firefighters were not given the opportunity to join the Firefighters’ Pension Scheme 1992 (FPS 1992) in respect of that employment.
The government has since introduced the terms of the Retained Firefighters’ Pension Settlement that will offer pension entitlement for all employees who were employed as retained firefighters between 1 July 2000 and 5 April 2006. Any service before 1 July 2000 will not be counted as pensionable service.
If you joined an English fire and rescue authority after 5 April 2006 you are not eligible to join the Retained Firefighters’ Modified Pension Scheme 2006 (RFMPS 2006), known as the 'modified scheme'. Also, entry to this scheme closed on 30 September 2015, so current active members will be those who:
- were retained operational firefighters
- were employed by a fire and rescue authority between 1 July 2000 and 5 April 2006
- elected to join the RFMPS 2006 before 1 October 2015
- have not opted out of the RFMPS 2006
- have not had any subsequent break in continuity of employment
- have full or tapered protection.
If you were a regular firefighter employed under a single contract (that includes regular and retained duties, including duty systems such as ‘day crewing’) during this period, your duties as a retained firefighter are not recognised as part-time work. So, firefighters employed under ‘day crewing’ contracts between 1 July 2000 and 5 April 2006 inclusive are not permitted to join the RFMPS 2006 for any retained elements of their contract.
Retained firefighters who left their employment after 5 April 2006 and, without a break in service, took up employment as a regular firefighter, will have been given the option to combine these periods of service under the RFMPS 2006.
The RFMPS 2006 is final salary scheme which links the build-up of your pension to the earnings firefighters receive in their final year of membership. You will automatically join the RFMPS 2006 if you transfer from another fire and rescue authority and you were a member of the RFMPS 2006 in that employment.
What the scheme offers
Being a member of the RFMPS 2006 offers you:
- a low-cost and tax-efficient way to save for your retirement
- contributions from your employer
- the option to pay additional contributions towards your pension
- a secure pension when you retire, with the potential for a tax-free lump sum
- life cover that pays a lump sum should you die while an active member and income protection for your dependants
- the option to retire earlier than your normal pension age if:
- you have to retire on the grounds of permanent disablement
- you choose to take early retirement.
You can keep track of your pension and find out how much you might get when you retire by viewing your personal account online.