When can I retire?

The normal retirement age for members of the FPS 1992 is 55. If you choose to retire at 55 or above, your pension is put into immediate payment.

You may retire at age 50 or over providing you have at least 25 years’ service (unless you are a Chief Fire Officer appointed before 1 July 2013 in which case you need permission from your FRA).

This is known as age retirement.

An age retirement pension is payable to a firefighter who retires at age 50 or over with at least 25 years' service (it is referred to as an "ordinary pension" in the FPS rules), or at age 55 or over with less than 25 but at least 2 years' service (this is referred to as a "short service pension").

For example, if you retire at 55, with 22 years' pensionable service and average pensionable pay of £28,000, your pension would be –

(20 x 1/60) + (2 x 2/60) x £28,000 = 24/60 x £28,000 = £11,200.00 a year.

Part of your annual pension can be converted to provide a lump sum if you wish – see how much lump sum can I take?

An ill-health pension may be payable at any age.

If you leave FPS 1992 before becoming entitled to payment of age or ill-health retirement benefits you may be awarded a deferred pension. This would be payable from age 60, or earlier if you become permanently disabled for engaging in firefighting or performing any other duties appropriate to your role as a firefighter.

The FPS 1992 retirement decision tree outlines retirement options for members who have transferred into FPS 2015.


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