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

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What will the scheme provide?

How the Firefighters' Pension Scheme 2015 (FPS 2015) can benefit you.

Being a member of the Firefighters' Pension Scheme 2015 (FPS 2015) offers you:

  • a low-cost and tax-efficient way to save for your retirement
  • contributions from your employer
  • the option to pay additional contributions to increase your pension
  • a secure inflation-proofed 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
  • survivor benefits for your spouse, civil partner, eligible cohabiting partner and eligible children
  • the option to retire earlier than your normal pension age of 60 if:
    • you have to retire on the grounds of permanent disablement
    • you choose to take early retirement or partial retirement
    • you are given employer-initiated early retirement.

You can also keep track of your pension and find out how much you might get when you retire by viewing your personal account online.

How we calculate your pension

The FPS 2015 is a career average revalued earnings (CARE) scheme, which means that the pension you build up is based on your annual pensionable pay for each year that you are a member of the FPS 2015, calculated using the following formula:

  • Pensionable pay x 1/59.7

Your pension is revalued each year by a Treasury Order to protect your pension from the effects of pay inflation. This revaluation ensures that your pension grows at the same rate as the Average Weekly Earnings Index while you are an active member. When you retire your pension will increase by the cost of living as measured by the Pensions Increase (Review) Orders.

Additional information


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