FPS top 10 reasons to join

1. A guaranteed public service CARE pension that remains one of the best available
2. A tax efficient way of saving for retirement;
3. Your Fire Authority contributes to the cost; 
4. Retirement with benefits paid in full from age 60 that increase automatically with the cost of living;
5. The right to retire voluntarily from age 55, subject to reduction of benefits;
6. The ability to exchange part of your annual pension for a one-off, tax-free payment;
7. Ill-health retirement benefits if you have to leave work through permanent ill health;
8. A lump sum death grant of 3 times your pensionable pay if you die in service; plus
9. Dependants’ benefits for a surviving partners, and/or children.
10. There are no hidden fees or charges

If you're not a member of the scheme and you're interested in joining, speak to your employer.