Retired firefighter members
As a retired member receiving your pension, you’ll know it’s a valuable source of income. This part of the website is for people who are in receipt of a Firefighters pension.
When is my pension paid?
We pay pensions on the 29th of every month (or the previous working day if the 29th is a Saturday, Sunday or bank holiday). Payment is slightly earlier in December because of Christmas. Each payment is made directly to your bank or building society account.
Upcoming pay dates:
Thursday 29th November 2018
Thursday 20th December 2018
Tuesday 29th January 2019
Thursday 28th February 2019
Friday 29th March 2019
Monday 29th April 2019
Your pension will be increased each year in line with the cost of living. This is based on CPI from September the previous year. We’ll tell you in April if there’s an increase, what the increase is, when it’s applied from and your new pension amount for that year. The increases won’t apply until age 55.
Pensions increase in April 2018 was 3%.
Tax and your pension
HM Revenue & Customs (HMRC) look at all types of income you receive. If this comes to more than your tax allowance, you’ll pay tax on your pension.
When I die, is there anything due to my family?
If, when you die you leave a spouse or partner, they may get a survivors’ pension. The amount that may be due depends on a number of factors, including when you left, your pensionable service, your partnership status and whether you have eligible children. If your marriage has taken place after you left employment, this could also affect the amount of pension that would be due to your surviving partner.
- 1992 Scheme member
No death grant is due.
- 2006 Scheme member, Retained Modified Scheme member or 2015 Scheme member
If you’re a retired member and you die under age 75, having received a pension for less than five years, a death grant may be due. This would be based on the difference between the amount of pension you’ve already had and the pension that would have been due over the five-year period.
- 1992 Scheme member- Survivors’ pension for a spouse or civil partner
If you’re a retired firefighter and your marriage took place before you stopped being a firefighter – half your pension as worked out before any reduction was made for commutation and/or allocation. The widow or widower of a same sex marriage or surviving civil partner, would receive but, it would only include service from 6 April 1988.
If you’re a former firefighter who’s married after leaving the service, the surviving spouse’s pension would be worked out as either:
- pensionable service (after 5 April 1978) x 1/160 x your average pensionable pay
- 1/2 x service (after 5 April 1978) / total pensionable service x firefighter’s pension
whichever is more.
The spouses’ or civil partners’ pension would stop if your spouse or partner remarried or entered a new civil partnership.
- 2006 Scheme member or Retained Modified Scheme member- Survivors’ pension for a spouse, civil partner or nominated partner
When you die a pension may be paid to your surviving spouse, civil partner or nominated partner. The pension due would be half your pension.
If your spouse or partner is more than 12 years younger than you, the pension as mentioned above will be reduced. This would be by 2.5% for every year or part year over of the 12 years, to a maximum of 50%.
A spouse’s or partner’s pension is paid for life even if your spouse or partner remarries, or form another civil partnership.
- 2015 Scheme member- Survivors’ pension for “surviving partners”
When you die a pension may be paid to your “surviving partner”. The pension due would be half your pension. (This would be the pension after any commutation or allocation but before any reduction made for early retirement.)
A “surviving partner” is:
- your spouse or civil partner
- cohabiting with you and
- not married or in a civil partnership with you or anyone else. But, could enter into a marriage or civil partnership with you under the law
- financially dependent on you or you’re both in financially dependent on each other
- in a long-term relationship with you. This is a relationship that has continued for at least 2 years (or a shorter period at the discretion of the authority).
If your spouse or partner is more than 12 years younger than you, the pension as mentioned above will be reduced.