Medical Pension 5 October 2010 at 4:47PM in UK armed forces MoneySaving 9 replies 10.4K views

callan05

Hi

I am facing the possibilty of being medically discharged and wondered if anyone could give me an idea of how much to expect for a medical pension? I am a Petty Officer and will have served 18/19 years by the time i leave. Any help is appreciated to allow me to work out my future finances.

Many thanks

Tally-Ho_2

Hi,

Firstly when did your injury/condition first start, before April 2005 or After April 2005? This makes a huge difference as it will decide whether you get a War Pension or Armed Forces Compensation Scheme payout (assuming your injury is service related).

If before 2005, and you are medically discharged, you would get a payout under AFPS75/2005 plus a War Pension based on percentage disability.

The amounts of War Pensions are here:

http://www.veterans-uk.info/pdfs/publications/va_leaflets/valeaflet9.pdf

If post April 2005, you will get paid under the Arrmed Forces Compensation Scheme, which has a tariff depending on your condition/injury. They also take into account lenghth of service, rank, age etc, so it is very difficult to calculate ones payout.

The tariff though is here:
http://www.veterans-uk.info/pdfs/afcs/tariff.pdf

with payout examples if you scroll down this page:

http://www.veterans-uk.info/pensions/afcs.html


If you would like further info, ring the SPVA on 0800 169 2277 or look on their website:
http://www.veterans-uk.info/index.htm

Tally

andy208833

Just for info i had a young PO Tiff working for me back in 2002 who was medically pensioned out in 2003 with problems with his achilles tendons having done only 5 years in the mob and the Navy accepted some responsibility for his injuries. He was awarded:

Full Petty Officers pension approx £400 a month and £26k lump sum
Medical pension of £400 a month

He then went through the war pension scheme and was awarded a further £200 a month

I'm not entirely sure but have heard that if you leave on a medical pension your Naval pension becomes tax free.... Be nice if true as the tax man takes a large chunk of mine at the Basic Rate of tax!

callan05

Hi

Many thanks for the replies, i am likely to be discharged due to mental health/depression issues. It is post 2005 so would be under the new scheme. I am not sure i would qualify for any additional compensation but just wondered roughly what my monthly pension would be and if there would be a lump sum so that i can work out the options for the future.

andy208833

You could request a pension forecast? i would hazard a guess that asyou are leaving medically you should get your full pension.

The pension calculator on the defence intranet would also help give you an idea. Were you on the new pension or the old one?

callan05

I am on the old pension scheme. I will have a look at the calculator when i return to work next week

Thankyou

Geezer_BJ

you don't need to be on the defence net ....

forces pension calculator here ...... http://83.138.137.164:8080/

denzil13

Book yourself on a medical resettlement briefing run by NRIO (Gareth) at the Institute of Naval Medicine. He travels round the bazaars every couple of months. He'll give you a heads up and a tailored medical pension estimate.

babyboono1

hi there if you are on the old pension scheme your medical pension will be around 18years 9,607 19years 10,007. this will be worked out to your exact tx date and will be taxable until they deem it is service attribittal (SP). Your gratuity will be 3 times that of your pension. I have just seen gareth from nrio at INM and this has come from his recent hand out at the mbos lecture that he does.
all the best x

intranicity

andy208833 wrote: »

I'm not entirely sure but have heard that if you leave on a medical pension your Naval pension becomes tax free.... Be nice if true as the tax man takes a large chunk of mine at the Basic Rate of tax!

I was invalided out after Gulf War 1.

If you are Medically Discharged and your injury is judged/assessed to be "Attributable to Service" ie, the injury is down to being in the military and not the fact that you had a car accident whilst on leave, you should be awarded a "SAP, Service Attributable Pension" If you get a SAP, you will also automatically be considered for a War Pension. This and the SAP is then tax free

Also most councils (I believe only 2 don't) apply a 100% disregard to income from SAP pensions and War Pension with regards Housing and Council Tax benefits. Not sure what the implications of the new rules with all in one benefit they are looking into will be, as this will be administered by the DWP and the statutary guidelines only call for a £10 disregard, so I and many others no doubt might find problems if this comes in.

I believe that the Armed Forces Compensation Scheme follows similar rules