Section MenuPension information for firefighters
This page and supporting documents provide an overview of the different Firefighters' Pension Schemes. There are four different pension schemes currently being operated, although all may not be available. New firefighter members will join the Firefighters' Pensions Scheme 2015, unless covered by protections.
Retained Firefighters’ Pension Settlement-Second Options Exercise 2023
Overview of pension schemes
1992 Firefighters Pension Scheme
- Open to regular firefighters
- 1/60th accrual rate
- Double accrual after 20 years pensionable service
- Maximum pensionable service is 30 years
- Earliest retirement age 50 (with 25 years' service)
- Final salary scheme• Commutation factors depending on age
- Injury benefits
- Built in ill-health benefits/life cover
- Pension for widows/children but not cohabiting partners
- Deferred pension age 60
2006 Firefighters Pension Scheme
- Open to regular and retained firefighters from 6th April 2006
- 1/60th accrual rate• Maximum service 40 years
- Retirement age 60
- Earliest retirement age 55 (subject to reductions)
- Final salary scheme
- Commutation based on 1:12 ratio
- Built in ill health benefits/life cover
- Pension benefits for partners/children
- Deferred pension age 65
Special Members of the 2006 Firefighter Pension Scheme (Modified)
Ability for those who were excluded from a scheme from 2000 to 2006 to join a scheme similar to the 1992 scheme
- Benefits reflect 1992 scheme in part
- 1/45th accrual rate
- Retirement age 55
- Built in ill health benefits/life cover
- Pension benefits for partners/children
- Deferred pension age 60
The options exercise ended September 2015
2015 Firefighters Pension Scheme
All members transferred on 1st April 2015 however transitional protections apply for existing members of 1992 and 2006 scheme
- 1/59.7th accrual rate
- Retirement age 60
- Earliest retirement age 55 (subject to reductions)
- Career average scheme
- Individual pension accounts
- Deferred pension age state pension age (minimum 65)
Further information
How benefits are calculated
Scheme comparison
Life cover
Contribution rates
Recommencing employment after retirement
Auto enrolment
Opting out of the pension scheme
Starter form
Expression of wish form
Retirement options flow chart -1992 Scheme Transition Member
Retirement options flow chart -2006 Scheme Transition Member
Retirement options flow chart –Special Retained Modified Member
Retirement options flow chart -2015 Scheme Member
Scheme guide – 1992
Scheme guide – 2006
Scheme guide – 2015
Annual benefit statement notes
Retiring before age 55
Contacting the Pension Team
Contact: Sharon Lewis
Telephone: 01684 771788 or 07976 784628
Email: slewis1@hwfire.org.uk
Contact: Rachel Finnemore
Telephone: 07469 574169
Email: rfinnemore@hwfire.org.uk
Postal Address:
Malvern Fire Station, Worcester Road, Malvern, Worcestershire. WR14 1TD