xClose panel

Account activation and login

To gain access to these services you need to be registered with the CTP. If you are not registered and are still serving in the Armed Forces, contact your local Service Resettlement Adviser

myPlan is your personal area which includes your Personal Resettlement Plan, Resettlement Tracker, Career Assessment Activities, CV Builder and Checklists.

RightJob is our online job finding site that lists thousands of live vacancies specifically for ex-Forces personnel.

Is this your first visit?

Activate your account now. Enter the email address you supplied when you registered with the CTP or that you have previously used for accessing RightJob.

Enter your email address

Email address

Enter your password

Forgotten Your Password?

To gain access to these services you need to be registered with the CTP. If you are not registered and are still serving in the Armed Forces, contact your local Service Resettlement Adviser

xClose panel

CTP website

Top of the page

Pensions
resettlement guide

This section provides an overview of sources of information for both military and state pensions. Review the documentation, the library articles and the links to government and authoritative websites to find the expert advice you need.

Create your personalised to do list by selecting the items appropriate to you from the list below.

Mark items to do

Obtain State pension forecast from the State Pension Forecasting Team
Attend Financial Aspects of Resettlement (FAR) brief
Obtain Forces’ pension forecast from Veterans UK

Armed Forces Pensions

Armed Forces pensions, once awarded, are adjusted in April each year by the Consumer Price Index (CPI). The CPI rate used is the CPI headline rate for the September prior to the April adjustment the following year. This rate is formally announced in October. The CPI increase which will come into force next April has been announced as 0.5%.

This increase, known as the Pension Increase (PI), does not come into force on the 1st April but rather on the first Monday after the beginning of the new tax year – so, for 2021, it comes into force on 12th April.

There is a Government produced table which divides the year (1 April – 31 March) into 13 parts and the first PI is proportionate. The pensions of those leaving in the first few weeks of April will get the full PI in the following April. The increases for those leaving after the first few weeks April are then paid in the following April on a sliding scale, culminating in those leaving in the final few weeks of March getting no PI adjustment at all in respect of that first year. The full increase is paid in subsequent years.

If you are leaving with a preserved AFPS 75 or AFPS 05 pension, or a deferred AFPS 15 pension, it will be increased until such time as your draw your benefits to take account of all the PIs that have occurred since you left.

If you are a member of the Forces Pension Society and would like to know more about PIs or any other pension issue, email us on pensionenquiries@forpen.co.uk. If you would like to learn more about us, visit www.forcespensionsociety.org.

Armed Forces Redundancy Schemes

The redundancy scheme that applies will depend on when you joined the Armed Forces. Refer to the external links section below for more detail.

War Widow's or War Widower's pension
If your husband, wife or civil partner died as a result of serving in the Armed Forces, you may get a War Widow’s or War Widower's pension. This is based on your husband, wife or civil partner's pay.

For more information, contact Veterans UK.

If you have health problems because of being in the Armed Forces, you may be entitled to payments under the war pension scheme or the Armed Forces compensation scheme (AFCS).

Useful Organisations
More detailed support is available for members of the Forces Pension Society.

"We are the trusted source for Armed Forces Pensions advice, and as an independent, not-for-profit organisation, we act as a pension watchdog for the entire military community. We provide accurate, timely and credible technical pension advice and other services to our Members; we represent the whole Armed Forces Community at the top tables of government in relation to Armed Forces Pensions, holding to account when necessary; and we raise awareness across the Armed Forces Community on the complexities and benefits of their Armed Forces Pension"

Financial Aspects of Resettlement (FAR) Briefs
Pensions are discussed in the Financial Aspects of Resettlement (FAR) Briefs. Find the next available date for this briefing and plan to attend.

State Pensions
The Basic State Pension is the main component of the State Pension. This may be based on your own or your spouse’s National Insurance record. Links to the government websites can be found in the External links section below under State Pensions.

For further information about spouses’ and civil partners’ pensions calculations, please see the ‘Access to contributory state benefits for spouses and civil partners of members of the armed forces’ document.

External links

(All external links will open in a new window)

State Pensions

Department for Work and Pensions

Government Pensions & Retirement Planning Advice

Military Pensions

Forces Pension Society

Armed Forces Pensions, Compensation and Veterans

This MOD site contains pension scheme booklets, documentation and publications

Service Personnel and Veterans Agency - War Pensions Scheme

Information on claiming War Disablement Pension, War Widow's/Widower's Pension from the

Private Pensions

Pension Sorter

Pensions Ombudsman

Responsible for investigating complaints regarding occupational and personal pensions in the United Kingdom.

Pensions Regulator

Regulatory body for work-based pension schemes in the UK

Money Advice Service - Pension Advice

Living & Working Abroad

State Benefits

State Pension for Britons Abroad

State Benefits

Department for Work and Pensions

What to do with your P45

The P45 is a four part form generated by the employer when an individual leaves a paid job. When you leave the Armed Forces one will be generated for you and sent to your address as it appears on JPA.

The P45 contains your name and National Insurance Number and information about your pay, your tax code and the tax you have paid up to your point of discharge.

The information on the P45 will enable your new employer to tax you. In the absence of a P45, you will normally be taxed at a straight 20% with no personal allowance. Once you hand over the form, your tax position will be corrected in subsequent months.

If you have no job to go to but are looking for one, it is worth signing on at Job Centre Plus. When you then get a job, Job Centre Plus will update the P45 and give it back to you to pass to your new employer.

If you are not going to work, send it back to HMRC. If you are going to be self-employed, send it back to HMRC or shred it.

Articles

Downloads

How Pension Increases (PIs) Work by the Forces Pension Society
This article by Mary Petley of the Forces Pension Society explains how Pension Increases (PIs) work.
Armed Forces Pension Scheme 2015
Your State Pension Entitlement - Explained
This document from the Forces Pension Society explains the significance of the State Pension to leavers of the Armed Forces.
Your Compensation Scheme Explained
This booklet explains new arrangements introduced to compensate for injury, illness or death caused by service after 6th April 2005.
Armed Forces Pension Scheme 2005
The new scheme was introduced 6th April 2005 for new entrants.
Armed Forces Pension Scheme 1975
The first was introduced in April 1975 and was closed to new entrants from 6th April 2005.
Access to contributory state benefits for spouses and civil partners of the armed forces
McCloud Case Outcome and Update

myPlan rightJob

Access myPlan nowSign in to your CTP myPlan and Right Job account now

Pensions resettlement guide

Create your personalised to do list by selecting the items appropriate to you from the list below.

External links

State Benefits

State Benefits

Articles

Downloads

Related FAQs

Pensions
resettlement guide