VinRouge
How much for ‘a gash shag line pilot’ - well seeing as they would be on PAS Level 30 which is around £80k/year pensionable at age 50(ish) onwards then the figures will be pretty similar. The NCA MAcrs also mentioned, when on PAS which over 95% are, are also at Level 20 PAS when they top out, which is again ~£68k. That is why they may get a pension tax bill - they are borderline and it depends on personal circumstances if you tip over.
As for the AFPS, it is
written in UK Law and what you have owned so far is protected by that Law. They cannot change what you have earned, but they can change the pension scheme in the future (within certain bounds - read on). Although, as we have seen in the McCloud case you cannot forcibly change peoples’ pension schemes and only have an Offer To Transfer (like we did for AFPS05). Standby for more news on what that might mean, but it is legal fact that the Government unlawfully moved us all onto a different pension scheme -
https://www.ft.com/content/10be07ee-...c-fac8325aaa04 and
https://forcespensionsociety.org/new...-armed-forces/ for further info.
Yes, you are correct, there isn’t a ‘pot’ but there is a notional pot, which is where the SCAPE rate comes from. Further, AFPS is a promise written in Law and is like an IOU from the Government or a Bank of England Bank Note - the one that has a written guarantee that states “
I PROMISE TO PAY THE BEARER ON DEMAND THE SUM OF ...”
So, I feel you may have made a very unsound decision if you left because you thought that pensions would be better in civilian life - the only way they would be better would be if you were paid about 60% more than your pensionable salary was in the Service.