MOD Pension Debacle
FWIW, my first pension payment was around 6 weeks after I retired, lump sum around the same time I think (it was a long time ago now). As others have said, the payment date each month seems to be set by the date you joined. Mine's paid on the nearest working day after the 13th each month.
After the initial delay for the first payment it has, touch wood, been paid regularly every month. I think the delay before paying the first payment is mostly down to the way their system works. If your set payment date happens to be around three weeks or so after leaving then you may get lucky and have the first payment then, if it's less time than this then they may skip the first payment date and pay a bigger first payment when the payment day rolls around again. I seem to remember being advised that it took at least ten days after leaving for the pensions people to process the paperwork.
After the initial delay for the first payment it has, touch wood, been paid regularly every month. I think the delay before paying the first payment is mostly down to the way their system works. If your set payment date happens to be around three weeks or so after leaving then you may get lucky and have the first payment then, if it's less time than this then they may skip the first payment date and pay a bigger first payment when the payment day rolls around again. I seem to remember being advised that it took at least ten days after leaving for the pensions people to process the paperwork.
I have been paid (I thought people might have got bored of my bleating!). It took 42 working days and I have a sneaky feeling that, if I hadn’t have spoken to them and had someone expedite my case, it could have taken a whole lot longer.
A dissapointing way to end 23 years in the RAF to be honest. Sadly I increasingly got the feeling that people were not their greatest asset.
I will also add that my pension pay date is the 28th. Completely random and not in keeping with any significant dates in my life or career other than it will always come near the end of the month.
BV
A dissapointing way to end 23 years in the RAF to be honest. Sadly I increasingly got the feeling that people were not their greatest asset.
I will also add that my pension pay date is the 28th. Completely random and not in keeping with any significant dates in my life or career other than it will always come near the end of the month.
BV
I have been paid (I thought people might have got bored of my bleating!). It took 42 working days and I have a sneaky feeling that, if I hadn’t have spoken to them and had someone expedite my case, it could have taken a whole lot longer.
A dissapointing way to end 23 years in the RAF to be honest. Sadly I increasingly got the feeling that people were not their greatest asset.
I will also add that my pension pay date is the 28th. Completely random and not in keeping with any significant dates in my life or career other than it will always come near the end of the month.
BV
A dissapointing way to end 23 years in the RAF to be honest. Sadly I increasingly got the feeling that people were not their greatest asset.
I will also add that my pension pay date is the 28th. Completely random and not in keeping with any significant dates in my life or career other than it will always come near the end of the month.
BV
It took 18 working days. Discharged 14 May, payment today.
Lump sums always precede the monthly payment and usually without much kerfuffle. Your pension will follow but it may be some time before your monthly payments settle down to a regular, consistent amount.
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"It took 18 working days. Discharged 14 May, payment today"
All I can say is that that is a remarkable achievement - it takes my (civvy) pension provider a month to tell me that they're "looking into it" on ANY issue
All I can say is that that is a remarkable achievement - it takes my (civvy) pension provider a month to tell me that they're "looking into it" on ANY issue
You were lucky!
I left on 9 May and still no sign of anything [sigh].23 working days later!
I phoned the JPAC Enquiry Centre and got the usual fob off. Get your PEN1 in early they said at the Financial Aspects of Resettlement briefing. Dutifully I put it in in Sept 22. Now I am told that they don't actually look at it until the discharge date.
I have a mental picture in my mind of a bunch of Scribblies with burgeoning In-trays standing around having a coffee [if they're not WFH] and then knocking off early because their TORS say they don't actually have to do anything proactive to serve Veterans. The only thing that has kept me from ranting is that, after 43 years service, I've simply become so accustomed to being fobbed off by slack Admin types that I take it in my stride.
Or is it the final master stroke of the outgoing CAS not only to invent "Professions" and get rid of TG17 but to install AI operated by Beijing which now has all my JPA details?
I phoned the JPAC Enquiry Centre and got the usual fob off. Get your PEN1 in early they said at the Financial Aspects of Resettlement briefing. Dutifully I put it in in Sept 22. Now I am told that they don't actually look at it until the discharge date.
I have a mental picture in my mind of a bunch of Scribblies with burgeoning In-trays standing around having a coffee [if they're not WFH] and then knocking off early because their TORS say they don't actually have to do anything proactive to serve Veterans. The only thing that has kept me from ranting is that, after 43 years service, I've simply become so accustomed to being fobbed off by slack Admin types that I take it in my stride.
Or is it the final master stroke of the outgoing CAS not only to invent "Professions" and get rid of TG17 but to install AI operated by Beijing which now has all my JPA details?
It will be little comfort to you, but on saturday I had a letter detailing what my monthly payments will be starting on the 20th of June. So entire process complete in 26 working days.
Nil_Drift, you're barking up the wrong tree. JPAC is for serving personnel, your number is literally up and they are no longer interested in you. You should direct your concerns to the good folk at Kentigern House in Glasgow.
Good Luck
Good Luck
Outside the envelope
For any who might be interested, I have just received my gratuity and pension after 32 working days [allowing for the BH at the end of May], which is 6 and a half weeks since my last day in Service. The promulgated allowable period is a maximum of 30 working days. Thankfully I was in a position to carry on as normal but if anyone is about to leave the Service, it would be wise to factor in this time period of no income, especially if planning a major purchase.
ABB Thanks for your post. The brief is to use the JPAC number 08000853600 which then has phone pad selections depending on whether you are due/not yet received/have received.
The pension is what I expected per month but, as it is 6 weeks passed, I thought that I might have got a month and a half. I'll wait for it to settle down. The letter explaining the breakdown only gives annual amounts, not what the monthly payment will be. I used the Scottish Tax Calculator and took off the NI then divided by 12.
ABB Thanks for your post. The brief is to use the JPAC number 08000853600 which then has phone pad selections depending on whether you are due/not yet received/have received.
The pension is what I expected per month but, as it is 6 weeks passed, I thought that I might have got a month and a half. I'll wait for it to settle down. The letter explaining the breakdown only gives annual amounts, not what the monthly payment will be. I used the Scottish Tax Calculator and took off the NI then divided by 12.
UK CPI for June was lower than expected 7.9% instead of predicted 8.2% and down from 8.7% in May.
Statista end-2023 forecast is 6%.
Still a chance that the CPI in September - used to determine the UK military pension increases from April 2024 - will be at least 5% > 6% - maybe 7%.
Statista end-2023 forecast is 6%.
Still a chance that the CPI in September - used to determine the UK military pension increases from April 2024 - will be at least 5% > 6% - maybe 7%.
Dont forget that you pension will be reduced when you start to draw your OAP due to 'Modified Pensions Rules' which you will NOT be told about. You will just see your monthly take home reduced!
Google it or the experts can explain it.
Have fun
***
PS Be sure to check you are receiving what you expect....... My Initial Monthly payment and gratuity were wrong by a sizable sum and it took a lot of effort to to get it corrected. I was even berated by the pension's people for challenging there calculations and they never apologised or admitted they had made a cock up.
A couple of years b4 you retire request an estimate to cross check your expectations................
Google it or the experts can explain it.
Have fun
***
PS Be sure to check you are receiving what you expect....... My Initial Monthly payment and gratuity were wrong by a sizable sum and it took a lot of effort to to get it corrected. I was even berated by the pension's people for challenging there calculations and they never apologised or admitted they had made a cock up.
A couple of years b4 you retire request an estimate to cross check your expectations................
Another confused post by orionsbelt!! It’s to do with COPE, but not since the NI changes in 2016.
if you have concerns use the HMRC site, and look at your records. I get my pension back up to full amount next year.
if you have concerns use the HMRC site, and look at your records. I get my pension back up to full amount next year.
When you start to claim the State Pension you should still get the full Armed Forces Pension you were on previously plus the annual increases in line with the CPI the previous September.
For those with service before 6 Apr 16, it is the Full State Pension that you will not get - as explained here. https://www.ctp.org.uk/assets/document/417241
When you claim the State Pension upon reaching the relevant age (which is moving on a rolling basis), you will be told your entitlement and will receive notifications of the annual increases.
For those who retired abroad, there is more info on entitlements here:
https://www.gov.uk/state-pension-if-you-retire-abroad
For those with service before 6 Apr 16, it is the Full State Pension that you will not get - as explained here. https://www.ctp.org.uk/assets/document/417241
When you claim the State Pension upon reaching the relevant age (which is moving on a rolling basis), you will be told your entitlement and will receive notifications of the annual increases.
For those who retired abroad, there is more info on entitlements here:
https://www.gov.uk/state-pension-if-you-retire-abroad
When you start to claim the State Pension you should still get the full Armed Forces Pension you were on previously plus the annual increases in line with the CPI the previous September.
For those with service before 6 Apr 16, it is the Full State Pension that you will not get - as explained here. https://www.ctp.org.uk/assets/document/417241
When you claim the State Pension upon reaching the relevant age (which is moving on a rolling basis), you will be told your entitlement and will receive notifications of the annual increases.
For those who retired abroad, there is more info on entitlements here:
https://www.gov.uk/state-pension-if-you-retire-abroad
For those with service before 6 Apr 16, it is the Full State Pension that you will not get - as explained here. https://www.ctp.org.uk/assets/document/417241
When you claim the State Pension upon reaching the relevant age (which is moving on a rolling basis), you will be told your entitlement and will receive notifications of the annual increases.
For those who retired abroad, there is more info on entitlements here:
https://www.gov.uk/state-pension-if-you-retire-abroad
Those who had been paying NICs at the lower rate before 6 April 2016, as long as they pay for a total of 35 years, with at least 8.2 years (as at Nov 2019) at the higher rate, should qualify for the full Single Tier Pension.
The New Calculator
I’ll be honest. The long awaited calculator is a little underwhelming. Bearing in mind it claims to deal with calculations for those affected by the unlawful switch to AFPS15, it’s weird that it only really allows for calculations for those who have yet to leave, not those who have already left.
Anyway, with a bit of judicious fudgery I was able to get a quick ball park figure. Basically, I would be quite a bit better off switching back to the old scheme. Imagine that.
Whilst I can’t speak for the relative benefits for those who continue to serve it would certainly seem that those that left in the period between 2015-2022 will find the switch back should benefit them. Individual circumstances depending of course.
I look forward to receiving what is owed to me sometime before I get old and doddery. I won’t hold my breath that it will include interest and recompense for lost income.
BV
Anyway, with a bit of judicious fudgery I was able to get a quick ball park figure. Basically, I would be quite a bit better off switching back to the old scheme. Imagine that.
Whilst I can’t speak for the relative benefits for those who continue to serve it would certainly seem that those that left in the period between 2015-2022 will find the switch back should benefit them. Individual circumstances depending of course.
I look forward to receiving what is owed to me sometime before I get old and doddery. I won’t hold my breath that it will include interest and recompense for lost income.
BV
I’ll be honest. The long awaited calculator is a little underwhelming. Bearing in mind it claims to deal with calculations for those affected by the unlawful switch to AFPS15, it’s weird that it only really allows for calculations for those who have yet to leave, not those who have already left.
Anyway, with a bit of judicious fudgery I was able to get a quick ball park figure. Basically, I would be quite a bit better off switching back to the old scheme. Imagine that.
Whilst I can’t speak for the relative benefits for those who continue to serve it would certainly seem that those that left in the period between 2015-2022 will find the switch back should benefit them. Individual circumstances depending of course.
I look forward to receiving what is owed to me sometime before I get old and doddery. I won’t hold my breath that it will include interest and recompense for lost income.
BV
Anyway, with a bit of judicious fudgery I was able to get a quick ball park figure. Basically, I would be quite a bit better off switching back to the old scheme. Imagine that.
Whilst I can’t speak for the relative benefits for those who continue to serve it would certainly seem that those that left in the period between 2015-2022 will find the switch back should benefit them. Individual circumstances depending of course.
I look forward to receiving what is owed to me sometime before I get old and doddery. I won’t hold my breath that it will include interest and recompense for lost income.
BV
I’ll be honest. The long awaited calculator is a little underwhelming. Bearing in mind it claims to deal with calculations for those affected by the unlawful switch to AFPS15, it’s weird that it only really allows for calculations for those who have yet to leave, not those who have already left.
Anyway, with a bit of judicious fudgery I was able to get a quick ball park figure. Basically, I would be quite a bit better off switching back to the old scheme. Imagine that.
Whilst I can’t speak for the relative benefits for those who continue to serve it would certainly seem that those that left in the period between 2015-2022 will find the switch back should benefit them. Individual circumstances depending of course.
I look forward to receiving what is owed to me sometime before I get old and doddery. I won’t hold my breath that it will include interest and recompense for lost income.
BV
Anyway, with a bit of judicious fudgery I was able to get a quick ball park figure. Basically, I would be quite a bit better off switching back to the old scheme. Imagine that.
Whilst I can’t speak for the relative benefits for those who continue to serve it would certainly seem that those that left in the period between 2015-2022 will find the switch back should benefit them. Individual circumstances depending of course.
I look forward to receiving what is owed to me sometime before I get old and doddery. I won’t hold my breath that it will include interest and recompense for lost income.
BV
And apparently I’m over one third better off by sticking with AFPS 15 from the original date even though it gives me a total 75/15 pension / EDP value less than the JPAC quoted value for my 75 pension on its own. And this now includes AVCs!!
Given how long it’s taken to arrive, underwhelmed is an understatement!