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If you were 45 or over on 1 April 2012, you would have remained in this scheme. If you were under 45 on 1 April 2012, you would have been transferred to the AFPS 15 scheme above. All paid service counts towards your pension. You can claim the AFPS 05 pension at age 65, or age 55 at a reduced rate.
5.1 A member who enrols in the Regular Force on or after 1 July 2004 will have a retirement age of 60 years. Members of the Regular Force serving on 30 June 2004 will have the opportunity to select a retirement age of 60 years no later than one year prior to their current retirement age.
To qualify for EDP under AFPS 15, you must have served for 20 qualifying years and be at least 40 years of age. If your AFPS 15 pension is paid early due to ill-health, your Added Pension will also be paid immediately alongside any ill-health pension, without any reductions.
If you serve to the AFPS 15 Normal Pension Age of 60, you will be entitled to claim an immediate pension.
The pension is paid at a flat rate until age 55 when all the inflation increases are applied. After age 55 the pension increases by Consumer Price Index (CPI) every year. The one-off pension lump sum is three times your annual pension income.
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Commutation (AFPS 15): AFPS 15 does not provide an automatic lump sum when your pension is due. This is either on exit if aged 60 or older, or at SPA if leaving before age 60.
The EDP tax-free lump sum is equivalent to 2.25 times your deferred pension. You can also choose to give up your full EDP lump sum to increase the monthly EDP income. This is known as inverse commutation, and more information can be found in the AFPS15 Scheme booklet.
Understanding commutation/inverse commutation AFPS 05 provides an automatic tax-free pension lump sum of 3 times the pension. You can give up some or all of the tax-free lump sum in order to improve your taxable pension. This is called inverse commutation.

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