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Fire Pension Scheme

Leaving the Scheme

If you do not want to be a member of the FPS 1992, you can opt out at any time by giving written notice to the Fire & Rescue Service (FRS). The notice would take effect from the following pay day. As you will now have 2 or more years' service, there would be entitlement to a deferred pension or a transfer of accrued rights to another pension arrangement.

On opting out, you would cease to have any further cover under the FPS (other than that provided by any deferred pension). You would, however, continue to be covered by the provisions of the Firefighters' Compensation Scheme in the event of a qualifying injury.

If you subsequently change your mind and wish to rejoin the FPS 1992, you would the become a member of the FPS 2015. Your election to join would take effect from the following pay day.

Please Note

If you are thinking of opting out of the FPS 1992, you are strongly recommended to seek Independent Financial Advice before doing so.

If you do decided to opt out, you would save the cost of contributions, but would probably pay more by way of tax (as contributions attract tax relief). Also, you and your survivor's would cease to have the added life assurance cover that the FPS 1992 provides.

As you will now have more than 2 years qualifying service in the FPS 1992, you will NOT be eligible to receive a refund of contributions.

  • Deferred Benefits
  • Transferring your Benefits

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