2015 Remedy and your Annual Benefit Statement (ABS)

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 or reformed scheme benefits when you retire. 

If you are working and contributing to a pension and or have deferred your benefits you will receive a dual annual benefit statement in August 2024. This is a change to the ABS you are used to and will provide estimates of benefits in both the Legacy and reformed (CARE) schemes. 

We are currently preparing to offer this choice to eligible members and getting everything ready to deliver dual Annual Benefit Statements in 2024. As a result, we will not be issuing ABS for 2023 as these will have limited value because they will not be accurate from 1 October 2023 and will be replaced with a Remedial Service Statement from August 2024.

Dual ABS will be introduced from August 2024.

In the absence of an Annual Benefit Statement this year you can self-serve and use our Remedy calculator to get an estimate of your pension benefits for the Remedy period.

If you have retired you will be provided with a Remedial Service Statement after 1st October 2023 so that you can make your Remedy choice.

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.

Firefighter Remedy Calculator

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 annual benefit statement 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

The best way for you to estimate how much your pension will be when you retire is to check your Annual Benefit Statement (ABS) or use our pension calculator.

If you are 6-12 months from retirement and unable to get an accurate estimate using these tools, we can provide an estimate if you contact us.

We can also provide an estimate if you are retiring due to ill We are only able to provide one estimate in a 12 month period, based on one retirement date. We cannot provide estimates for multiple dates.

I’ve requested an estimate, what happens next

We aim to provide you with your estimate within 12 weeks of your request, some may take longer if we need to check details with your employer. We will contact you to check any details if needed.

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.

Calculators

The retirement calculator accommodates members who have benefits in more than one scheme. When you use the calculator you'll get:

• an illustration of benefits, in today's money terms, that may become payable at a retirement date selected by you
• a description of the benefits payable for each scheme you've been a member of
• an estimate of the maximum lump sum that could be payable
• a printable copy of your personal illustration.

You may find it useful to have your most recent Annual Benefit Statement available while you're using the calculator.

Please note that the illustration is not a guarantee, nor is the calculator intended to provide you with financial advice. If you require financial advice, you should contact an independent financial adviser.

Firefighter Pension Calculator

2015 Remedy

This online calculator can provide you with an illustration of the impact on the legacy and reformed scheme benefits to your pension entitlement.

To open the calculator, please ensure that you are using either Microsoft Edge or Google Chrome.

Firefighter Remedy Calculator

Authorising a financial advisor to contact the SPPA

If you are in active employment and require information for your financial advisor, please access your annual benefit statement online.

If you have left Firefighter employment

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.