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Pension Scheme

Firefighter Pension Scheme:

The Firefighters’ Pension Scheme is a tax approved, defined benefit occupational pension scheme. The arrangements under the Firefighters’ Pension Scheme 1992 (FPS 1992), the Firefighters’ Pension Scheme (Wales) 2007 (FPS 2007) and from 1 April 2015, the new Firefighters’ Pension Scheme (Wales) 2015 (FPS 2015) offer a range of benefits that provide financial security both in the time up to retirement and beyond.  

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Local Government Pensions Scheme:

The Local Government Pension Scheme (LGPS) is a defined benefit scheme. This means that the value of your LGPS pension at retirement is not calculated based on the performance of investments, stock markets and cost of annuities. Instead, your pension value is calculated based on details such as; how long you have been paying pension contributions for, your pensionable salary amount, and a pension build-up rate of 1/49th of the salary you have paid pension contributions on.

It is also a funded scheme which means that it is invested in a number of ways to increase the Fund’s value and to make sure your benefits are guaranteed to be paid at retirement.

LGPS is one of the largest public sector pension schemes in the UK. It is a nationwide pension scheme for people working in local government or working for other employers participating in LGPS. The LGPS in England and Wales is administered locally through 89 local pension funds, one of which being the Clwyd Pension Fund. In 2021, there were approximately 6.1 million members of LGPS nationwide, being a valuable part of the pay and reward package for employees working for employers participating in the scheme.

Once you begin to contribute into the scheme you will start to build up a pension benefit which will provide you with a source of regular income when you retire. This pension is an annual amount, paid to you on a monthly basis for the rest of your life. Inflation is also added to your pension every year so it increases with the cost of living.

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Clwyd Pension Fund - Clwyd Pension Fund

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