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  • FIRST POST
    • CHR15
    • By CHR15 25th Jun 08, 3:15 PM
    • 4,835Posts
    • 4,169Thanks
    CHR15
    Old Boys! Have you claimed your pension??
    • #1
    • 25th Jun 08, 3:15 PM
    Old Boys! Have you claimed your pension?? 25th Jun 08 at 3:15 PM
    A few years ago I helped out the FIL who was a Veteran of the RN.

    He had left the RN in 1978 but didn't realise that when he reached 60yrs old he was entitled to claim a Forces Pension. They won't come looking for you, if you don't claim it, you won't get it.

    He is no speedy bullet, but isn't without his faculties either. If he didn't realise, there must be others out there who are unaware of their entitlement too.

    I doubt there are too many people reading this but if you have a relative who served in the forces after 1975 and he is 60yrs old he/she is entitled claim a pension

    Have you served in the military since 1975?
    It is possible that you have earned a preserved pension payable at age 60 for AFPS 75 or 65 if in AFPS 05. Read the following to see if you qualify and follow the links for the application forms if you do.

    Pensions

    There are currently 2 Armed Forces Pension Schemes (AFPS) available to service leavers; AFPS 75 and AFPS 05.
    1. AFPS 75 pension benefits are based on rank and length of Service. All personnel serving between 6 April 1975 and 6 April 2005 will have served under the AFPS 75 scheme.
    2. AFPS 05 pension benefits are based on length of Service and final salary and personnel who joined after 6 April 2005 will be serving under the AFPS 05 scheme. However, personnel serving between July 2005 and March 2006 were given the option to move to the AFPS 05 as part of the Offer to Transfer process.
    There are some fundamental differences between the schemes that cover both retired benefits and dependents benefits. To find out what benefits personnel are entitled to, click on the link below and download the booklets that are applicable to the AFPS that you/your spouse are/were serving under.

    Service Preserved Pensions

    Prior to 06 April 1975 there was no provision for a preservation of pension benefits and service personnel who left the Armed Forces had to have completed 16 years from age 21 (Officers) or 22 years from age 18 (Other ranks). Those who left before that date without completing the above criteria, lost all pension entitlement.

    The rules changed on 06 April 1975 to provide for pensions to be preserved for payment at age 60 for all those discharged over the age of 26 with a minimum of 5 years service. On 06 April 1988, the qualifying period was reduced from 5 to 2 years and the age criterion was dropped. Preserved pensions have to be claimed at age 60 (or at age 65 if your service began after 5 April 2006). However, you can claim your preserved pension sooner if you become permanently incapacitated.

    Contact

    Service pensions are administered by the Service Personnel and Veterans Agency (SPVA). Pension payments are made by Xafinity Paymaster (1836) Ltd, the paying authority for the Armed Forces pension Schemes (AFPS).
    Contact Details:
    JPAC Enquiry Centre,
    Mail Point 403,
    Kentigern House,
    65 Brown Street,
    GLASGOW,
    G2 8EX

    Freephone 0800 085 3600
    email: JPAC@spva.mod.uk
    Last edited by CHR15; 26-06-2008 at 12:40 PM.
Page 5
    • unforeseen
    • By unforeseen 19th Oct 17, 9:43 PM
    • 2,727 Posts
    • 3,478 Thanks
    unforeseen
    APFS75

    Served 74 - 05
    • Silvertabby
    • By Silvertabby 20th Oct 17, 8:47 AM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    APFS75

    Served 74 - 05
    Mr S and I left in 2000, so before the introduction of LOS30. I can only only guess that your pre-18 service was included as part of those changes.

    I won't tell Mr S - he still says that he did 'a year for the Queen'!
    • Tedlooney
    • By Tedlooney 21st Oct 17, 4:28 PM
    • 8 Posts
    • 4 Thanks
    Tedlooney
    Well done Ted ! Sadly, there are a lot of ex forces (and their widows) out there who have missed out on a pension because they believed the 'barrack room lawyers'.

    I've personally come across 2 x ex Forces bods who whined that 'it's ok for you - you did your 22'. On further investigation, it turned out that both had done 12 years and mistakenly thought that the lump sum (resettlement grant) they received on leaving was in lieu of all pension rights. It wasn't - they still had 12 years worth of preserved pension benefits to claim.

    Please let us know how you get on - it's nice to have some goods news for a change!
    Save
    Save
    Save
    Originally posted by Silvertabby
    I thought I wasn't entitled a to a pension because when I joined in 1976 I wouldn't have qualified due to being under 26 when my contract was set to end. It was only when I looked at this thread that I found out that the age 26 rule had been dropped in 1978. No-one informed me of the rule change at the time and I don't recall anyone ever discussing it even amongst my colleagues, so it was a pleasant surprise when I checked out the information on here. Like I said, I don't think I'll get much but as I wasn't expecting anything it's a bonus!

    When I phoned Veterans UK the person I spoke to was very helpful. I asked how much I would get but she said by the time they'd worked it out I'd be receiving the pension straight after as my birthday is imminent, she added that most people applied for their pension three months before. I explained that I had just found this thread and had believed that I wasn't entitled to anything previously. The lady said that Veterans UK realised that this was a problem for many ex-service people and that they planned to make an effort to make people aware of their entitlement. I very much hope that they work out a plan to make it happen.
    Last edited by Tedlooney; 21-10-2017 at 5:43 PM.
    • Silvertabby
    • By Silvertabby 21st Oct 17, 9:39 PM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    6 years Ted? If so, I think you'll be in for a nice surprise.

    I do hope that Veterans UK do something about this - as I said before, there are a lot of ex forces (and their widows) out there who are due benefits but don't realise it.
    • Tedlooney
    • By Tedlooney 22nd Oct 17, 11:15 PM
    • 8 Posts
    • 4 Thanks
    Tedlooney
    Yes Silvertab, it was six years. I tried looking for information to do a calculation but failed miserably :-( a nice surprise sounds encouraging though :-)

    I echo your comments about those due benefits, I'm a bit annoyed that the government haven't done more to help people claim what's theirs. I feel lucky to have found this thread but there will be many who will continue to believe that they are not due anything. The lady at Veterans UK seemed positive that something will happen, let's hope so.
    • Tedlooney
    • By Tedlooney 5th Dec 17, 10:00 PM
    • 8 Posts
    • 4 Thanks
    Tedlooney
    Silvertabby you were correct, I got a nice surprise indeed. I was really lucky to find this thread an I really hope others are made aware of their entitlement.
    • LeglessLiam
    • By LeglessLiam 6th Dec 17, 8:29 AM
    • 9 Posts
    • 12 Thanks
    LeglessLiam
    Just so folks here are aware, the following is from a briefing I was present at a short while ago:


    Veterans UK (formerly the Service Personnel & Veterans Agency) estimate there are some 26,000 unclaimed Preserved Pensions under the various Armed Forces Pension Schemes (mostly AFPS75) for people who have passed state pension age but not claimed their preserved pension.


    Obviously, some of those who haven!!!8217;t claimed may sadly be deceased, or have no known address or contact details.



    Equiniti Paymaster have carried out a tracing exercise to try to locate some of these and Veterans UK have started to send letters and application forms, starting with those members whose address details are most up to date. This has resulted in some 2,600 !!!8216;new!!!8217; Preserved Pensions being put into payment.



    However if you know someone who maybe entitled to a Preserved Pension and has not yet claimed it, please ask them to contact Veterans UK via any of the following means:



    Veterans UK helpline !!!8211; 0808 1914 218


    Veterans UK
    Ministry of Defence
    Norcross
    Thornton Cleveleys
    FY5 3WP



    Email veterans-uk@mod.uk



    Freephone (UK only): 0808 1914 2 18


    Telephone (overseas): +44 1253 866 043


    Liam
    • Silvertabby
    • By Silvertabby 6th Dec 17, 1:11 PM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    Silvertabby you were correct, I got a nice surprise indeed. I was really lucky to find this thread an I really hope others are made aware of their entitlement. Posted by Tedlooney
    Well done Ted - have a lovely Christmas!
    • Silvertabby
    • By Silvertabby 6th Dec 17, 1:16 PM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    Just so folks here are aware, the following is from a briefing I was present at a short while ago:

    Veterans UK (formerly the Service Personnel & Veterans Agency) estimate there are some 26,000 unclaimed Preserved Pensions under the various Armed Forces Pension Schemes (mostly AFPS75) for people who have passed state pension age but not claimed their preserved pension.

    Obviously, some of those who haven!!!8217;t claimed may sadly be deceased, or have no known address or contact details.

    Equiniti Paymaster have carried out a tracing exercise to try to locate some of these and Veterans UK have started to send letters and application forms, starting with those members whose address details are most up to date. This has resulted in some 2,600 !!!8216;new!!!8217; Preserved Pensions being put into payment.

    However if you know someone who maybe entitled to a Preserved Pension and has not yet claimed it, please ask them to contact Veterans UK via any of the following means:

    Veterans UK helpline !!!8211; 0808 1914 218

    Veterans UK
    Ministry of Defence
    Norcross
    Thornton Cleveleys
    FY5 3WP

    Email veterans-uk@mod.uk

    Freephone (UK only): 0808 1914 2 18

    Telephone (overseas): +44 1253 866 043

    Posted by LeglessLiam
    Thanks Liam - this is long overdue.
    • Phmode
    • By Phmode 5th Feb 18, 3:19 AM
    • 2 Posts
    • 1 Thanks
    Phmode
    I have now...
    This is both outrageous and fantastic at the same time.

    Outrageous, because I tried to find out about Preserved Pension Rights many, many decades ago and could find nothing on the nascent inter-web apart from ex-servicemen whingeing about not being able to find anything either.

    Fantastic, because I am many tens of thousands of pounds better off because of a chance conversation with a new neighbour and then stumbling across this thread.

    I joined the RAF in 1964 at 16 years of age and clearly remember during the first couple of days before signing on the dotted line, an officer telling us about pensionable service and at some time, someone mumbling something about Preserved Pension Rights. As you do at 16, it went in one ear and out the other; pensions were for my grandparents...

    I left in 1978 as a Sergeant, having not qualified for a pension and in all that time not a single word was ever said about the subject of preserved pensions. Lots of guys were leaving with a full pension after 22 years service but as for the rest of us, nothing. Not during my time in the mob, not in 1975 when it apparently all changed, not when I finally bought myself out nor at any time since was anything memorable ever said about Preserved Pensions.

    Luckily I have a good occupational pension from my job in civvy street, but the Preserved Pension Rights thing constantly nagged at the back of my mind and I always felt that I was being swindled somehow, by someone.

    At almost 70, last year I decided to move to the country, found a lovely old converted 17th century barn with a couple of lovely neighbours, both ex-military, and all is well with the world.

    She is ex-RAF and he is a retired naval officer. I went to the local pub with them over Xmas and we somehow got onto finances and that's when my world turned upside down. I assumed he was receiving a full naval officer's pension but he left after only 12 years like me. But then he said something about preserved pensions and when I whinged as usual, he told me that they were both receiving theirs and that I was supposed to have claimed it at 60 but couldn't remember the details of how to.

    One Google search later and here I am.

    I phoned JPAC, spoke to the lovely Kathy, received the claim forms in the post within a week, filled them in, sent them off and wasn't quite sure what to expect; a new pair of shoes, perhaps a few bottles of decent plonk? What? Whatever, if I got anything, it was better than nothing.

    With the claim form was another form on which I had to tell them, on pain of getting nothing at all, why I didn't claim my pension at age 60. Well, it was an A4 page and I can write small when I have to, so I told them in no uncertain terms why I hadn't claimed it and what I thought of HM Government to boot, swindling us all out of our entitlement and making us jump through hoops and miss out on what was rightfully ours. That told 'em! And probably scuppered any chance I had of getting even a bean.

    Within the week I got a letter telling me that I had been awarded a tax-free, multi-thousand pound 'terminal grant' and hundreds of pounds a month in pension. Oh, and all backdated to age 60.

    This amounted to some £36,000 in a lump sum after tax. And the ongoing pension.

    To say I am delighted is a massive understatement. Gobsmacked doesn't do the feelings justice and I am only glad that I am still young enough to enjoy what I just received.

    But I am still outraged at the iniquity of the MoD and the wider government keeping this so well hidden from us. Things might have changed for those serving or leaving more recently, but for those old, cold-war warriors among us, there must be many thousands who still do not know to what they are entitled and many will not have my 'luxury' of a decent occupational pension. Lots will doubtless have died having never received anything at all.

    So, a massive 'thank you' to Chris for starting this thread and posting up the details of the furtive SPVA & JPAC. That is at least a decent bottle of scotch I owe you Chris.

    Regards, Brian
    Last edited by Phmode; 05-02-2018 at 3:23 AM.
    • Silvertabby
    • By Silvertabby 5th Feb 18, 9:22 AM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    Hello Brian.

    I'm thrilled that you have received your pension and agree that it's dreadful that so many others still seem to have no idea that they have any money due - but may I just chip in with this?

    I joined the WRAF as an Admin Clk in 1978, and retired as a Sgt Pers Admin after 22 years. Pay and pensions were a large part of my job - so I can tell you what should have happened when you left the RAF.

    You would have been issued with a discharge 'pack' which would have included not only your release documents, but also details of your preserved pension and when to claim it. I've personally handed out many of these packs when finalising discharge procedures, and would have told each and every one to keep the brown envelope safe because the documents referred to their pension rights in 30 or so years time. However, it seems likely that many of these envelopes never saw the light of day again. In fact, I myself told an ex RAF Cpl that he was indeed entitled to a pension at 60 - can't remember how we got onto the subject of pensions, but he did say that it was 'ok for me as I'd done my 22, but he only got a few K for his 12 years service'. After a bit of digging it turned out that the 'barrack room lawyers' had told him that his 12 year resettlement grant was in lieu of his pension instead of in addition to - and he had believed them instead of the pers admin who issued his discharge paperwork. He sent me a lovely bunch of flowers and a bottle of bubbly once his payment came through!

    Again, it may be that it was my job, but I do know that the 1975 changes were still being well talked about in 1978. In fact, my Cpl told me the story of the RAF chap who was leaving after 12 years service at the end of March 1975. He realised that if he left on that date he would receive nothing - but if he could extend his service until after the April 1975 changes he would receive a 12 year deferred pension at 60. So, he devised a cunning plan. He decked an RAF policeman during his leaving 'do' and thus spent a night in the guardroom cells plus a week or two of jankers. Job done. A bit drastic, but he did get his preserved pension!

    P.S. - see Post 89

    ADD:

    With the claim form was another form on which I had to tell them, on pain of getting nothing at all, why I didn't claim my pension at age 60.
    Not 'nothing at all'. They obviously accepted your reason for not claiming your pension at 60 - otherwise it would only have been paid from the date you claimed it, rather than being backdated to 60.
    Last edited by Silvertabby; 05-02-2018 at 11:45 AM.
    • Phmode
    • By Phmode 5th Feb 18, 1:08 PM
    • 2 Posts
    • 1 Thanks
    Phmode

    P.S. - see Post 89

    ADD:

    Not 'nothing at all'. They obviously accepted your reason for not claiming your pension at 60 - otherwise it would only have been paid from the date you claimed it, rather than being backdated to 60.
    Originally posted by Silvertabby
    Thanks for the feedback and background.

    As for the explanation of the reason for my tardiness in claiming my pension, the exact wording in their letter to me states "If more than 12 months has elapsed between the date you apply for payment of your PP and your 60th birthday, you must provide an explanation for the delay in application. Failure to provide such an explanation will result in payment of the award being witheld until an explanation is provided." That seems like 'nothing at all' to me. But you are quite right in that my explanation, the truth, obviously did satisfy them.

    Much to my (and doubtless your) surprise, I still have my discharge pack, a baby blue A5 folder with various bits and bobs inside, but nothing remotely like the brown envelope you describe. I say I still have it, I still 'had it' when I was packing in preparation for my house move last June. Needless to say, I couldn't find it when I applied for the pension but didn't need to refer to it. It may well have been binned after all these years with now no need for it...

    You are absolutely right about the myths and mysteries expounded by the barrack room lawyers. Most of them were well confused because I bought myself out for the princely sum of £1,800 iirc and none of them 'knew' to what I might be entitled but I do have to say that personnel admin during my time in the mob had the status of Unicorns and I saw more Russian Bears than I did admin bods.

    Regarding your tale of the guy decking a copper, I started sweating slightly because I had originally signed on for 9 plus 3 in the reserve. I was comfused about my future but somehow had a fit of sense when my time was coming and I signed on, firstly for a further 3 years (28 days extra annual leave which took precedence over everything except war, thank you very much) and then for the full 22 (more annual leave to get in). Having taken all my leave, I suddenly stopped getting the joke and decided civvy street was calling.

    Had I not signed on for those extra 3 years, I would have been in a far poorer state, not that I realised that at the time as I 'knew' I was not entitled to a pension.

    I'm sure, read hope, that things are different for today's servicemen and it is heartening to hear that steps are being taken to contact those with unclaimed entitlements.

    New then, where has that exotic holiday brochure gone....

    Brian
    • Silvertabby
    • By Silvertabby 5th Feb 18, 4:52 PM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    Enjoy that holiday, Brian !

    I too hope that Veterans UK manage to trace those - or their widows - who are entitled to pensions.

    I've heard all the jokes about adminers - Mr S was a Chf Tech aircraft engineer. Mind you, he would come home and say that 'so-and-so says this that or the other about leave/pay/pensions - is that right?' and very often I would say 'no, that's not right at all' (or words to that effect) - then he would relay the correct information the next day.
    Last edited by Silvertabby; 12-02-2018 at 2:24 PM.
    • Silvertabby
    • By Silvertabby 23rd Mar 18, 11:45 AM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    Just so folks here are aware, the following is from a briefing I was present at a short while ago:

    Veterans UK (formerly the Service Personnel & Veterans Agency) estimate there are some 26,000 unclaimed Preserved Pensions under the various Armed Forces Pension Schemes (mostly AFPS75) for people who have passed state pension age but not claimed their preserved pension.

    Obviously, some of those who haven't claimed may sadly be deceased, or have no known address or contact details.

    Equiniti Paymaster have carried out a tracing exercise to try to locate some of these and Veterans UK have started to send letters and application forms, starting with those members whose address details are most up to date. This has resulted in some 2,600 new Preserved Pensions being put into payment.

    However if you know someone who maybe entitled to a Preserved Pension and has not yet claimed it, please ask them to contact Veterans UK via any of the following means:

    Veterans UK helpline 0808 1914 218

    Veterans UK
    Ministry of Defence
    Norcross
    Thornton Cleveleys
    FY5 3WP

    Email veterans-uk@mod.uk

    Freephone (UK only): 0808 1914 2 18

    Telephone (overseas): +44 1253 866 043

    Posted by LeglessLiam
    Does anyone know how this is going? Perhaps I was expecting too much, but it would have been nice to see adverts in the media explaining the rules and inviting those who qualify to claim their pensions (or widow's pensions).

    The 2,600 who were contacted simply because they hadn't changed address since leaving the Armed Forces is a start, but it's only 10% of those entitled. It's possible that a few more have been picked up when, on receiving less than the £159 per week State pension they may have been expecting, they would have been told by DWP that the difference was due to their Armed Forces pension entitlement.

    It's still not enough. Even a pension from just a few years service could make an appreciable difference to some veterans.

    A media blitz with the details could go a long way to getting this information out there.
    Last edited by Silvertabby; 23-03-2018 at 11:47 AM.
    • kangoora
    • By kangoora 24th Mar 18, 12:40 AM
    • 566 Posts
    • 385 Thanks
    kangoora
    Whilst it's great that people are finding this thread and locating their missing pensions and also the government are looking to locate missed pensions for other ex-servicemen/women.........

    There is an element of personal responsibility here also. I left in 1989 (aged 27) and I knew I had a preserved pension and kept my discharge papers with the contact details for the pension office. I'll be contacting them in a few years time to request my pension.

    Keeping a note of pensions you have built up and who the providers are is needed for any pension, not just a military one. Especially if you have moved house and, let's face it, the majority of people will move house sometime between their 30's and 60 years old. I'm happy to blame the government for a number of things but for an individual not claiming their pension it isn't the governments fault.

    On the topic of locating people to give them their pension I would have thought it a fairly simple matter. The Army pension people must have peoples NI number, so simply going to HMRC and locating that NI number would surely catch the vast majority of people not claiming - either they are working and paying tax or already drawing an old-age pension from DWP, both of which would reference to an NI number.

    Of course, this simple solution means that 3 different government departments have to actually talk to each other - not an easy thing in my experience. Also, maybe data protection might impinge on it?
    • LeglessLiam
    • By LeglessLiam 24th Mar 18, 8:36 AM
    • 9 Posts
    • 12 Thanks
    LeglessLiam
    Whilst it's great that people are finding this thread and locating their missing pensions and also the government are looking to locate missed pensions for other ex-servicemen/women.........

    There is an element of personal responsibility here also. I left in 1989 (aged 27) and I knew I had a preserved pension and kept my discharge papers with the contact details for the pension office. I'll be contacting them in a few years time to request my pension.

    Keeping a note of pensions you have built up and who the providers are is needed for any pension, not just a military one. Especially if you have moved house and, let's face it, the majority of people will move house sometime between their 30's and 60 years old. I'm happy to blame the government for a number of things but for an individual not claiming their pension it isn't the governments fault.

    On the topic of locating people to give them their pension I would have thought it a fairly simple matter. The Army pension people must have peoples NI number, so simply going to HMRC and locating that NI number would surely catch the vast majority of people not claiming - either they are working and paying tax or already drawing an old-age pension from DWP, both of which would reference to an NI number.

    Of course, this simple solution means that 3 different government departments have to actually talk to each other - not an easy thing in my experience. Also, maybe data protection might impinge on it?
    Originally posted by kangoora

    Spot On.

    Also, surprisingly enough, some people with small(ish) AFPS pensions do not wish to be traced, or indeed claim their pension.

    This is usually where they are in receipt of certain income related benefits (Pension Credit, Housing Benefit, Council Tax Benefit etc) and the spin off benefits from these (Cold Weather Payments etc),
    Claiming the AFPS pension could make them substantially worse off, particularly in the mid to longer term, due to the way the benefits system works, particularly in the age 60 to 65 segment and older.

    Providing they remain ‘under the radar’, having 'selective amnesia' about their service from many years ago may be financially beneficial (I won't enter into the potential moral/legal ethics).

    I also met one chap who didn't want to claim his pension, as he wanted to use his relatively small 3x preserved pension lump sum payable on death to pay for his funeral and buy mourners a few beers at his wake. If he had claimed his pension whilst living he knew he would have spent the money!

    Also tracing those who are now deceased and those who now reside abroad is almost impossible unless they (or in the case of the deceased, a surviving widow/widower) actually comes forward to claim the pension.



    Another tranche of people who seem to forget about claiming their preserved pension are those aged under 60 who become ill or disabled after their service and are permanently unable to continue to work. In these cases, the Preserved Pension maybe claimed earlier than age 60.



    Generally, if veterans and widows/widowers make contact with the ex-service organisations seeking financial help, the question of whether or not they may be entitled to a preserved pension would be explored.


    Overall though, with MOD revenue being so tight currently, having a broad-brush advertising campaign was not deemed viable. Hence the limited targeted campaign. That is not to say that anyone claiming their rightful pension would not be paid (they will be and quite quickly once identification and other checks are carried out), just that actual advertising costs are prohibitive.


    So, if you ever bump into any veterans/widows/widowers who may fall into the ‘entitled to claim a preserved pension’ category, tell them to make enquiries about it.



    Liam
    • Silvertabby
    • By Silvertabby 24th Mar 18, 9:57 AM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    Liam (and kangoora) - I agree, but only to a point. The LGPS also struggles to pay small benefits to those between 60 and 65 who are 'better off' on means tested benefits. However, once they reach State pension age, DWP can and do see that they have contracted out pension benefits which ARE then taken into account when assessing further entitlement to means tested benefits - even if not claimed.

    This aside, I suspect that a lot of the 'missing' AFPS pensioners date from the late 70s/ early 80s. You only have to read some of the comments on these boards to see that people have said that they were told by a mis-informed barrack room lawyer/superior that the 12 year resettlement grant was in lieu of a pension, or that you still had to serve 22 years in order to accrue any pension rights. Yes, they would been issued with pension information on discharge, but many 30 years olds - not just in the Armed Forces - are of the mind set that 'pensions are for pensioners'.

    Again, back to the LGPS, we would try to trace our missing pensioners via the DWP tracing service (which isn't free). DWP wouldn't just give us the address under DATA protection rules - instead, they would pass on a letter from the LGPS saying that they may have pension benefits and to contact us direct for more information. Barely 50% did.

    In the case of the AFPS, in an ideal world everyone who left the Armed Forces would have kept their discharge pack pension information leaflets and duly contacted Veterans UK on the due date. They would have also told their wives/husbands that the AFPS would pay benefits in the event of their death before 60.

    Unfortunately, we don't live in an ideal world.

    Yes, media advertising is expensive - but has anyone asked if the newspapers would run them for free? Most clearly support our Armed Forces in other ways, so why not this one?
    Last edited by Silvertabby; 24-03-2018 at 12:52 PM.
    • kangoora
    • By kangoora 24th Mar 18, 5:34 PM
    • 566 Posts
    • 385 Thanks
    kangoora
    I do think it's great that they are tracking down ex-servicemen to ensure they get the pension they are entitled to. I don't have anything against this, I was just pointing out you can't really blame the government for somebody not understanding their pension rights and making a claim themselves as they should have done.

    I have no doubt there are potentially millions (if not billions) of pounds of pensions being sat upon by all sorts of pension funds and I wonder just how much effort they put into finding pensioners who they owe money to. My wife found she had a pension pot worth £20k from before I met her which was a nice surprise BUT this only turned up because her work opened a new pension with the same provider who found out she had this existing pot and informed her about it.

    I'm an ex-squaddie myself but the government could be opening a real rod for their backs here. There are potentially 100's of thousands of ex-government employees (which is what a ex-HM Forces service person was at the end of the day) who could be in a similar position such as ex-Civil services employees to name one. What is going to happen when someone says it's 'unfair you are spending this time and effort to trace ex-forces and not do it for all ex-government employees' - and I have no doubt that someone will say this at some point.

    Anyway, I'm happy it is happening and, hopefully, a number of people will get the pensions they have earned - ideally everyone will.
    • Silvertabby
    • By Silvertabby 24th Mar 18, 7:38 PM
    • 3,011 Posts
    • 4,292 Thanks
    Silvertabby
    I do think it's great that they are tracking down ex-servicemen to ensure they get the pension they are entitled to. I don't have anything against this, I was just pointing out you can't really blame the government for somebody not understanding their pension rights and making a claim themselves as they should have done.

    I have no doubt there are potentially millions (if not billions) of pounds of pensions being sat upon by all sorts of pension funds and I wonder just how much effort they put into finding pensioners who they owe money to. My wife found she had a pension pot worth £20k from before I met her which was a nice surprise BUT this only turned up because her work opened a new pension with the same provider who found out she had this existing pot and informed her about it.

    I'm an ex-squaddie myself but the government could be opening a real rod for their backs here. There are potentially 100's of thousands of ex-government employees (which is what a ex-HM Forces service person was at the end of the day) who could be in a similar position such as ex-Civil services employees to name one. What is going to happen when someone says it's 'unfair you are spending this time and effort to trace ex-forces and not do it for all ex-government employees' - and I have no doubt that someone will say this at some point.

    Anyway, I'm happy it is happening and, hopefully, a number of people will get the pensions they have earned - ideally everyone will.
    Originally posted by kangoora
    I became a LGPS pensions administrator after I left the RAF - so I can say with certainty that the LGPS does its best to track down its errant pensioners. I'm confident that the Civil Service, NHS, etc etc do the same. For some reason, it appears that it's just the AFPS that leaves it to their deferred pensioners to instigate a claim.
    Last edited by Silvertabby; 24-03-2018 at 7:42 PM.
    • badmemory
    • By badmemory 25th Mar 18, 12:31 AM
    • 1,788 Posts
    • 2,416 Thanks
    badmemory
    What is really needed isn't an advert it is one of the "rags" to run an OMG what a scandal type pieces. The remaining 90% (& probably a whole lot more) would be in touch within weeks.
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