FAQs on Entitlement


If you think you are entitled to FAS payments or were a member of a scheme that qualified for FAS and you haven’t received any information from us, please contact us on 0330 678 0000 or +44 (0)208 406 2121 if you are overseas, and we can discuss this with you.

You'll be eligible to start receiving your FAS payments at your Normal Retirement Age (NRA). This is based on your previous scheme rules and will be between 60 or 65. You may be able to take it earlier if you have ill health. For more information on ill health please read our 'Early Payments for Ill Health' booklet.

You can find your exact NRA on the FAS member website. Register now to access your benefit statement.

You can find out how much FAS assistance you will receive by checking your benefit statement on the FAS member website. Register now to access your benefit statement.

Receiving FAS payments, is just like receiving an occupational pension. Therefore it could affect any state benefits that you may already receive, such as Employment and Support Allowance, Pension Credit and Housing Benefit among others. If you are receiving FAS payments, you should tell the office that pays your state benefits.

There is a cap on the amount of expected pension we can take into account when we work out your assistance. Only a small proportion of our members are affected by the cap, which means the vast majority of members aren’t affected.

As of 1 April 2021, the FAS cap will increase from £36,717.00 to £36,901.00. The increase reflects the level of inflation over the period.

The new cap will apply to all members retiring on or after 1 April 2021 (if you’re already receiving payments from us these changes do not affect you).

If you haven't heard from us regarding your FAS payments then please get in touch with us on 0330 678 0000 or +44 (0)208 406 2121 if you are overseas, or email us at [email protected]. Any payments due to you will be backdated.

The treatment of defined benefit AVCs is determined by the trustees of your pension scheme. You should contact your trustees for more information on your defined benefit AVCs.

Defined Contribution AVCs are ignored for the purposes of the FAS. Your scheme is responsible for providing any benefits in relation to such contributions and no additional assistance will be provided.

Please have a look at pages 5 - 7 of our 'When Your Retire' booklet for more information about increases.

Most FAS members will be able to see a forecast of their FAS entitlement using the FAS benefit modeller. Register now to access the benefit modeller.

If you have any concerns about your FAS payments or the data we hold please get in touch with us on 0330 678 0000 or +44 (0)208 406 2121 if you are overseas, or email us at [email protected].

Under current regulations you may only take your FAS payment early in the event of ill health. Please see our 'Early Payment for Ill Health' booklet which provides details of potential eligibility.

These changes don't apply to defined benefit (DB) schemes. FAS looks after former DB schemes and therefore you are not able to flexibly take your benefits with us. Some members may be entitled to a tax free lump sum when they begin taking their payments.