The 'pre-1975 service pensions injustice' or 'pre-1975 armed forces pensions injustice' affects ex-servicemen and women who served as regular 'Other Ranks' in the Royal Navy or Royal Marines, British Army or Royal Air Force, and left before April 1975 without completing a full 22-year armed forces career. They have no pension for their years of service in the forces. The issue also affects the widows and widowers of such former personnel.
The Armed Forces Pension Group (AFPG) [disbanded 2015 - see Updates about the pre-1975 service pensions injustice] explained that:
"Our aim is to secure equality of pensions for former regular members of the Armed Forces who served for fewer than 22 years at any time to April 1975 and who were discharged before 5th April 1975. This also applies to those regulars who were discharged prior to 1981 who do not meet the criteria of length of service and age. We ask Her Majesty's Government for pension rights based on years of service and related, pro rata, to pensions received by contemporaries who completed 22 years of service."
According to Veterans UK:
"Service deferred pensions. Prior to 6 April 1975 there was no provision for a preservation of pension benefits and service personnel who left the armed forces had to have completed 16 years from age 21 (officers) or 22 years from age 18 (other ranks). Those who left before that date without completing the above criteria, lost all pension entitlement. The rules changed on 6 April 1975..."
"Deferred pensions" are also known as "preserved pensions".
In 2017 it is still being claimed that pre-1975 early leavers from the armed forces were not only treated badly, but treated much more unfairly than their contemporaries in other employments, particularly those in the Civil Service.
The theory seems to be that, unlike their counterparts in the armed forces, pre-1975 "early leavers" from the civil service were retrospectively allowed to qualify for preserved pensions, which came in after they had already left the service. Alternatively, if those ex civil servants didn't qualify for preserved pensions either, it wasn't so much of an injustice to them, because civil service pay (supposedly) didn't take any account of the employer's pension expenditure.
For more credible reasons for paying the missing armed forces pensions, see a 2015 article by Katy Clark MP:
Another demonstration of the need for an independent armed forces federation
The Pensions Advisory Service expert also said in 2002 that "The loss of these servicemen's pension rights is now becoming important to them 27 years on but they should have been campaigning back in 1975."
One of the most troubling aspects of the pre-1975 service pensions grievance is that the service authorities made no realistic attempt to inform personnel after the Social Security Act 1973 had been introduced in parliament, and then passed into law, but not yet fully implemented.
Although the legislation was passed in September 1973, having been in preparation long before that date, it was not until the last moment - March 1975 - that the MoD bothered to produce a leaflet that explained the main features of preserved pensions, and gave notice that they would apply to those who served on or after April 6 1975.
Some personnel were discharged against their will when the authorities knew that the relevant changes were pending. Many others left voluntarily without ever knowing that they would be missing out on significant pension benefits..
If an independent representative armed forces federation had existed at the time, service personnel would at the very least have been better informed about their options before leaving the service voluntarily. And those faced with discharge against their wishes in order to evade their pension entitlement could have found an independent champion, which the chain of command did not - and could not - provide.
Why BAFF hasn't campaigned about this pension issue
Because no less than three separate veterans' groups have been campaigning about it, British Armed Forces Federation has never campaigned about this legacy pension issue.
As a British armed forces veteran, any ex-serviceman or ex-servicewoman affected by this issue is very welcome to join BAFF.
But we always left active campaigning about the pre-1975 pension injustice to the various groups which were formed specifically for that purpose. Because we made that clear from the start, BAFF had only one early enquirer about representation on that issue, who we supplied with contact details for 'CAFFUK' (not a current recommendation).
BAFF offered practical support and cooperation both to "Combined Armed Forces Federation" (CAFFUK), and to "Armed Forces Pension Group" (AFPG). AFPG readily accepted research assistance using BAFF overseas contacts. CAFFUK responded 'differently'.
A third campaign group was formed in 2010: "Equality for Veterans Association" (EFVA).
AFPG and EfVA both decided to wind up in 2015. See Updates about the pre-1975 service pensions injustice.
An online petition is actively running as of Spring 2018:
A similar issue arguably affects commissioned officers who served for less than 16 years but they, in many cases, at least received a gratuity which was not available to their non-commissioned counterparts. For example, a QARANC Lieutenant who left in 1974 before completing 16 years might have received a gratuity, whereas one of our members, a QARANC SNCO who left at the same time after the same period of service, with the same professional qualifications and having performed the same duties, left with nothing. Officer gratuities were not in lieu of pensions, but intended to assist those with short or limited service with their resettlement into civilian life; no such provision was made for "Other Ranks".
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