11/08/2026
**Rob V Price QGM QCB**, Garrison Veterans Representative (GVR) for Episkopi PSE, has asked us to share this important information with our Armed Forces veteran community.
⚠️ **PENSION WARNING TO ALL ARMED FORCES VETERANS** ⚠️
Please take the time to check your Armed Forces pension.
Historic administrative errors have reportedly been identified in some Armed Forces pensions, particularly under the older **AFPS 75 and AFPS 05 schemes**. Some veterans may have been overpaid, while others may have been underpaid.
If you receive a letter from Veterans UK claiming that you owe money, **don’t panic and don’t automatically assume the calculation is correct**. Ask for a full explanation before agreeing to repay anything.
You should request:
• A full breakdown of your pension calculation.
• A copy of your original pension award.
• A complete history of your pension payments and adjustments.
• Confirmation of which Armed Forces Pension Scheme you belong to.
• Confirmation of whether National Insurance Modification (NIM) has been applied and how it was calculated.
• An explanation of any changes made when your State Pension began.
• Details of the Armed Forces Pension Scheme’s formal dispute procedure if you disagree with the calculation.
Even if you haven’t received a letter, it may still be worth contacting Veterans UK to check that your pension has been calculated correctly.
Knowledge is your best defence. Check your paperwork, keep copies of everything and don’t ignore correspondence from Veterans UK.
Please share this information with fellow veterans. One share could prevent someone from experiencing unnecessary worry—or help them discover that they have been underpaid.
*Original information shared by Ramsgate Armed Forces & Veterans Breakfast Club.*