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**eodmatt** · 09-03-2010, 10:34

Originally Posted by Norfolknchance

Although not quite yet at that elderly age where I can say anything with certainty (and that goes for most things in my life!), a friend is in his late 60's and mentioned that the old age pension does affect the Army pension but not a lot. He was an OR as well so I'm not too bothered (until of course the reduction kicks in then whoever is in power had better watch their proverbial arrseholes coz I'll be gunning for them!)

Anyway, the Army pension kicks in at 55 and not 60 if you've served 22 years so those who commuted part of their pension will have it restored, a generous rise of around 45% (if memory serves).

It's not a generous rise, merely a restoration of your pension having paid through the nose for your commutation.

**xtype934** · 01-04-2010, 18:49

Any info please.
A mate did 9years in the army from 1971 to 1980, is he entitled to a pension?
Cheers.

**retired_taz** · 06-04-2010, 16:26

you dont lose any pension when turning 65, what you dont get is the pension credit which will make a single persons minimum pension up to around £130 per week, Best way to see what you are getting is to have two spearate tax coides, one for state pension and one for mil pension,
unfortunately as ever they give with the right and take with the left hand, You will get two pensions, but now they have talen away the 10% rate, you will pay 20% on everything above your personal allowance which at present is £6470.

**bovvy** · 06-04-2010, 16:46

Originally Posted by retired_taz

you dont lose any pension when turning 65, what you dont get is the pension credit which will make a single persons minimum pension up to around £130 per week, Best way to see what you are getting is to have two spearate tax coides, one for state pension and one for mil pension,
unfortunately as ever they give with the right and take with the left hand, You will get two pensions, but now they have talen away the 10% rate, you will pay 20% on everything above your personal allowance which at present is £6470.

Once you reach age 65 your tax-free personal allowance increases £9490 (2010-11):

http://www.direct.gov.uk/en/Pensions...ht/DG_10023447

If it's still presented in the same way, your Notice of Coding will show this Personal Alowance with the amount of the State Pension deducted from it. This enables the State Pension to be paid in full. The remainder of your personal allowances can then be used against your occupational pension.

**blue-sophist** · 06-04-2010, 17:12

Thanks, bovvy - beat me to that one.

I'm still waiting for an answer from HMRC about my tax code, though.

The OH had her code reduced on her Mil Pension to pay the tax on her State Pension.

I'm still coded 949, which means I'm not being taxed on my State Pension.

Useless wakners.

**retired_taz** · 07-04-2010, 06:43

Be Carefull of the dreaded D0 coding, HM Taxation and custums assume that your mil pension is your main source of income and they tried to make me pay 40% on all other income!!. I sorted that with more luck than in 2009/2010 where they tried to tax my mil pension at 62%, it was only the fact that the mil pensions people could only tax at a max of 50% that saved me, yes I will get the difference back this year, but they dont pay sodding interest!!!

**Pete_the_writer** · 21-04-2010, 13:52

Originally Posted by xtype934

Any info please.
A mate did 9years in the army from 1971 to 1980, is he entitled to a pension?
Cheers.

Your mate should be in the same situation that I'm in.

I served from 1972 to 1981 and, when discharged, was told I would receive a Preserved Pension payable from age 60. Your mate should have received a letter when discharged, stating the amount preserved (mine was about £800) and saying who to write to at age 60 (or before) in order to claim it. They don't get in touch with you.....

I'll try and find the address tonight when I get home. I think it will have changed since 1981 though! If anyone has up-to-date details, please post!!

**Norfolknchance** · 21-04-2010, 14:28

Try APC, Brown Street, Glasgow. Everything else is up there now anyway.

**ugly** · 21-04-2010, 14:44

Originally Posted by blue-sophist

Happily receiving both, thank you. :D

One peculiar thing that happens is that your Tax Code gets changed. State Pension is paid gross, and then your Tax Code is adjusted to recover the tax that should be paid. As a result the Armed Forces pension appears to be reduced.

Weird, but apparently the State Pension people don't have the ability to deduct tax

I just love that, work all your life, pay tax, save into a pension and the feckers tax it again!

**oldbaldy** · 21-04-2010, 16:32

Originally Posted by Pete_the_writer

Originally Posted by xtype934

Any info please.
A mate did 9years in the army from 1971 to 1980, is he entitled to a pension?
Cheers.

Your mate should be in the same situation that I'm in.

I served from 1972 to 1981 and, when discharged, was told I would receive a Preserved Pension payable from age 60. Your mate should have received a letter when discharged, stating the amount preserved (mine was about £800) and saying who to write to at age 60 (or before) in order to claim it. They don't get in touch with you.....

I'll try and find the address tonight when I get home. I think it will have changed since 1981 though! If anyone has up-to-date details, please post!!

SPVA will not contact you to commence payment of a Preserved
Pension you must contact them. To find out if you are entitled to a
preserved pension ring or write to the SPVA JPAC Enquiry Service
on 0800 085 3600 or 94560 3600 or alternatively:
E-mail: <mailto:JPAC@spva.mod.uk> JPAC@spva.mod.uk

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