We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
HM Forces contracted out pensions.
daviedevs
Posts: 2 Newbie
Does anyone know how to locate where my Royal Navy contracted out pension provider might be? I have had nothing but useless info from UK Veterans AFPS at the moment.
0
Comments
-
Not sure from your question if you think there is a separate 'contracted out pension provider' and are looking for that? If so, there isn't one to find; your RN pension benefits are all included in the (one) scheme.daviedevs said:Does anyone know how to locate where my Royal Navy contracted out pension provider might be? I have had nothing but useless info from UK Veterans AFPS at the moment.Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!2 -
Think you've misunderstood. You contracted out of the additional state pension, those contributions instead went into and boosted your Armed Forces pension. There is no other provider.daviedevs said:Does anyone know how to locate where my Royal Navy contracted out pension provider might be? I have had nothing but useless info from UK Veterans AFPS at the moment.
1 -
Please tell me you didn't transfer out your preserved AFPS benefits to a private pension......1
-
If you are not getting best information try here:
pensions
and here:
https://forcespensionsociety.org/2025/09/your-future-your-pension-check-out-our-factsheets/
Also https://forcespensionsociety.org/2025/09/veteran-pension-tips-from-the-team/:
Keep an eye on your pension entitlement: If you have a Preserved/Deferred pension entitlement and are not yet in receipt of it, you can request a forecast each year by completing and submitting an AFPS Form 14 and returning to Veterans UK.
1 -
The information may not be useless. It maybe that you just don't understand what they are saying or are confused.daviedevs said:Does anyone know how to locate where my Royal Navy contracted out pension provider might be? I have had nothing but useless info from UK Veterans AFPS at the moment.
There is no seperate contracted-out pension provider. You wouldn't have contracted out into a personal pension. You contracted out using the defined benefit scheme (AFPS). Despite both methods being referred to as contracting out, the way they are implemented is very different.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.1 -
And another unresolved mystery.....0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards