Lancashire, Cumbria and Merseyside

The Firefighters Pension Scheme is a defined benefit occupational pension scheme which is guaranteed and backed by law. The Scheme changed on 1st April 2015 from a Final Salary Scheme to a Career Average Revalued Earnings Scheme (CARE). Members starting after 1st April 2015 will join the 2015 Scheme. Unprotected members of the 1992 and 2006 Final Salary Schemes moved into the 2015 Scheme on 1 April 2015. Protected members of the 1992 and 2006 schemes, depending on the level of protection, will either stay in their existing scheme or move into the 2015 Scheme when their protection ceases.

All the information contained below is regarding protections and guidance on how the new 2015 Scheme will affect you. For more detailed information on the 1992, 2006 and 2015 schemes please select the relevant option from the list on the left of this page.

Below are documents which explain protections in each of the schemes. Also listed below are decision trees which give guidance on the different options now available at retirement:

2015 Scheme

2006 Scheme

1992 Scheme

Special Modified