There are two pension schemes for members of the Regular Armed Forces.
The first was introduced in 1975 and was closed to new entrants from
6 April 2005. This is known as AFPS 75.
On 6 April 2005 two new schemes were introduced, the Armed Forces
Pension Scheme 2005 (AFPS 05) for new entrants to the Regular Armed
Forces, and the Reserve Forces Pension Scheme (RFPS) for members of the
Reserve Forces. Members of AFPS 75 were given the opportunity to transfer
to AFPS 05 on 6 April 2006.
The purpose of this booklet is to explain the effect of re-employment on
benefits you may have received when you left the Armed Forces, including
preserved benefits, and to explain where you can get further information.
This booklet should be read by those joining the Armed Forces from
6 April 2005 and those transferring to AFPS 05 from 6 April 2006.
Those who leave the Armed Forces and take up a Full Time Reserve Service
(FTRS) appointment or rejoin the Armed Forces should also read this booklet.
There are some special terms that you need to know: you can find them
on pages 2 to 4 and refer to them as you go along. They appear in
This booklet provides only a summary of some of the rules of the
relevant schemes, more details are contained in Joint Service
Publication 764. The booklet is not a full explanation of the rules
and is not the legal basis for any entitlement under the schemes.
If there are any differences between the rules and an
explanation in this booklet, the rules will be followed.
In addition, this booklet does not give you financial or legal
advice. If you want financial or legal advice you should seek
independent advice. Unit administrative or personnel staffs can
offer information and an explanation of benefits, but will not
take responsibility for your pensions decisions. They will be able
to let you have a list of Services Insurance and Investment
Advisory Panel (SIIAP) approved independent financial advisers,
although you are free to use any independent financ