Estimated pension benefits and annual benefit statements
On this page:
- Annual Benefit Statements
- Estimates and calculators
Annual Benefit Statements
2015 Remedy
On 1 April 2022 the legacy Firefighter Schemes were closed to any future pension build-up and members were moved into the reformed 2015 pension scheme.
If you are eligible you will have the chance to choose between your legacy scheme (final salary) or reformed (CARE) scheme benefits when you retire.
Find out more about the 2015 Remedy from our Remedy Hub.
2024 Annual Benefit Statement for members who are not eligible for 2015 Remedy
If you are not eligible for 2015 Remedy, you will receive an Annual Benefit Statement by the end of August 2024.
2024 Annual Benefit Statement for members who are eligible for 2015 Remedy
If you are eligible you will have the chance to choose between your legacy or reformed scheme benefits when you retire.
If you are working and contributing to your pension or have deferred your benefits you will receive an Annual Benefit Statement (ABS) combined with a Remediable Service Statement (ABS-RSS) by March 2025. This will provide an estimate of your benefits in both the legacy (final salary) and reformed (CARE) schemes.
The majority of Remedy eligible members will receive an ABS by 31 August 2024. This will not provide dual projections.
A remedy calculator is available to use if you'd like to compare your legacy and reformed scheme benefits.
Accessing your Annual Benefit Statement
If you're in active employment, you can register for our online service where you can access and print copies of your annual benefit statement.
Your ABS estimates your pension benefits accrued up to the end of the most recent financial year based on your pensionable service and / or salary details as confirmed by your employer.
Estimates and calculators
As well as annual benefit statements we have a range of calculators that can be used by members still in active employment. These can be used to estimate to future dates and scenarios of your choice.
To use the calculators, check your most recent Annual Benefit Statement (ABS) on our online member portal first, then you can input that information into the calculators below.
Accessing the calculator
The calculator should automatically download to your computer or mobile device. Depending on your computer settings, it may also open in your web browser.
If you use the Microsoft Edge browser, you may see an error message that says: ‘Couldn’t Load This Workbook.’
If you see the error message and the calculator hasn't downloaded, you can manually download the calculator by clicking the ‘download file’ button. This will appear above the error message.
Download the Firefighters Pension Calculator
A Remedy calculator is available to use if you'd like to compare your legacy and reformed scheme benefits. This is the only service available at the present time to Remedy affected members who wish to obtain an estimate.
If you require an estimate to support with retirement planning or other life events, an estimate can be provided if you are:
- At retirement age and ready/thinking about retirement
- Within six months of retirement
- Requiring an estimate pending redundancy, divorce, ill- health or for mortgage applications
- Are not able to use the calculators
If you meet this criteria, please contact us.
Ill health retirement
If you've ended your employment on the grounds of ill health, we can provide an estimate of what your benefits will be.
If you've already left the Fire Service with your benefits preserved in the scheme and you're too ill to carry out any form of employment, we can also estimate your likely benefits.
While there's no minimum age for requesting an estimate of ill health retirement benefits, they can only be paid subject to your application being assessed and approved by an independent Medical Adviser - see our Firefighters' Ill health retirement section.
2015 Remedy
Some members who are paying into a pension and were eligible for Remedy did not receive an ABS in 2023. They will get an ABS by 31 March 2025 which will include their options under Remedy. This is the most up to date projection offered by the SPPA.
Authorising a financial advisor to contact the SPPA
If you are in active employment and require information for your financial advisor, please access your ABS online.
If you have left the Fire Service
We are able to accept requests from financial advisers as long as they can provide a mandate, signed by you authorising the release of the requested information.