Which type of pension do I have?
People who left the Forces before 6th April 2005 are part of the AFPS 75 scheme – originally the Armed Forces Pension Scheme, it was renamed AFPS 75 after the AFPS 05 was introduced.
After 6th April 2005 new Regulars and Reservists joining Full Time Reserve Service joined the AFPS 05 scheme. All Regular Servicemen and women who joined active service before 6th April 2005 and were still serving by 6th April 2006 could choose to remain on AFPS 75 or transfer to AFPS 05.
On 6th April 2015 the Armed Forces introduced their CARE scheme (AFPS 15) for every form of paid service – Regular or Reserve. Servicemen and women who were members of AFPS 75 or AFPS 05 and under a certain age (45 for Regulars and 50 for Reservists) on 1st April 2012 had to move across to the new scheme. All pension earned up to 31st March 2015 in a legacy scheme became an accrued pension right that can’t be taken away.