Pensionable Service Explained

Pensionable service is the time that counts towards building your pension. It's not the same as your total time served, and the difference catches people out.

Under AFPS 15 and AFPS 05, all paid service counts. Under AFPS 75 only paid service after age 18 counts, or after 21 if you were an officer — so early service can sit outside the calculation entirely.

X-Factor counts too. It's pensionable, so it feeds into the pensionable pay your benefits are built on rather than just the salary you take home.

Some things don't count, including certain unpaid leave and breaks in service. It's worth checking your record rather than assuming the dates on your discharge papers are the dates in the calculation.

Who is eligible?

Everyone in the scheme accrues pensionable service, and you're enrolled automatically from your first day.

Reservists can accrue it too, though what counts depends on the terms of their engagement and the nature of their service.

The thing to actually do is check your own record. Ask Defence Business Services for a forecast and compare it against your service history — if a period is missing or a date is wrong, it's far easier to fix while you're still serving.

What benefits does this provide?

  • AFPS 15 and AFPS 05 count all paid service: Every day of paid service builds pension, with no minimum age.

  • AFPS 75 starts later: Only paid service after age 18 counts, or after 21 for officers — so early service can sit outside the calculation entirely.

  • X-Factor counts too: X-Factor is pensionable, so it feeds the pensionable pay your benefits are built on.

  • Financial Security: Pensionable service ensures a steady income after retirement, providing financial stability for veterans and their families.

  • Early Retirement Options: Many military pension schemes allow for early retirement, enabling service leavers to start receiving benefits before the standard retirement age.

  • Inflation Protection: Pensions are often adjusted for inflation, helping to maintain purchasing power over time.

  • Survivor Benefits: In the event of a pensioner's death, their spouse or dependents may receive continued financial support through survivor benefits.

  • Tax Advantages: Pension contributions are typically tax-deductible, reducing taxable income during service years.

  • Healthcare Access: Some pension plans include healthcare benefits, offering access to medical services post-retirement.

  • Transferability: Pensionable service can sometimes be transferred to other public sector pension schemes, providing flexibility for career changes.

  • Lump Sum Payments: Upon retirement, veterans may receive a lump sum payment, offering immediate financial resources.

How do I apply?

  • Determine Eligibility: Verify if your military service qualifies for pensionable service based on your length of service and discharge status.
  • Gather Documentation: Collect necessary documents such as your service record, discharge papers, and any previous pension statements.
  • Contact Pension Provider: Reach out to the relevant pension authority or provider to understand specific application requirements and procedures.
  • Complete Application Forms: Fill out the required application forms accurately. These may be available online or through your pension provider.
  • Submit Application: Send your completed application along with the necessary documents to the designated address or online portal.
  • Follow Up: After submission, follow up with the pension provider to confirm receipt and inquire about processing times.
  • Await Decision: Once processed, you will receive a decision regarding your pensionable service status and any benefits you are entitled to.

Common questions

What counts as pensionable service in the armed forces?

Under AFPS 15 and AFPS 05, all paid service counts. Under AFPS 75 only paid service after age 18 counts, or after 21 for officers.

Does X-Factor count towards your pension?

Yes. X-Factor is pensionable, so it feeds into the pensionable pay your benefits are calculated on.

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Last reviewed 26 August 2026 by Brittany Belt, Co-founder and COO