Could someone explain (In simple terms please) how the current pay freeze effects pension rates? I understand that whilst we are in a pay freeze my AFPS 75 pension rates have been frozen (Looking at tables at RAFComm for 2010 and 2011). Am I right in thinking though that pensions in payment have been uplifted by CPI 5% or so (If so where can I see these rates or are they not generic?). Will I ever see the increases being given to pensions in payment with regards to my future pension or am I losing out by 5% ish this year compared to a current pensioner OR am I missing something? (Most likely)