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    From 1 April 2015 all survivors pensions awarded to armed forces spouses and civil partners will be for life. Those already in receipt of a survivors pension will be entitled to keep their pension for life if they decide to remarry, cohabit or form a civil partnership after this date. Previously, some may have had to surrender their pensions upon such changes in their circumstances. The decision highlights the governments commitment to the Armed Forces Covenant by recognising the difficulties many partners of armed forces personnel face in earning their own occupational pensions, often due to having to relocate their homes within in the UK as well as overseas. Defence Secretary Michael Fallon said: Its vital that we do right by those who put their lives on the line for their country thats why this government enshrined the Armed Forces Covenant in law. These changes reflect the huge commitment which service families make to our country. We recognise that the unique nature of service life has left widows, widowers and surviving civil partners of members of the armed forces at a disadvantage. The changes, which apply to members of the Armed Forces Pension Scheme 75 (AFPS 75) and the War Pensions Scheme, will allow those who qualify after 1 April 2015 to retain their armed forces pension for life regardless of whether the AFPS 75 members death was caused by service or whether the surviving partner remarries or cohabits. TheForces Pension Society and the War Widows Association which sought to harmonise pension rules from 1 April 2015, have welcomed the move. This change will come into force in conjunction with the launch of the new Armed Forces Pension Scheme 15. The Armed Forces Covenant is a key commitment of this government. It was introduced into law to ensure that personnel and veterans, and their families, do not suffer disadvantage due to service.

    Will be conducting a presentation in the

    Drumfork Centre 10 December 1:30-2:30pm

    The presentation involves a dynamic introduction of video packages which illustrate what the RN does around the

    World and how amongst other things, we look at the role& structure of the RN,

    current and future equipment, our people, international relations and training.


  • Community News Page 2



    Or contact Sophia on 01436 675496 or Iain on 01436 673234

    Please monitor the Community Section of the Royal Navy Website to check for Community Events which will be updated on a regular basis.



    If you are currently serving in the Armed Forces, either regular or reserve or a Dependant.

    If you have served in the Armed Forces, either regular or reserve or a dependant.

    If you were a member of the Merchant Navy who served in a commercial vessel in support of legally defined UK military or a dependant. We have information on a comprehensive range of issues, including

    Produced by Scottish Association of Citizen Advice BureauxCitizens Advice Scotland (Scottish Charity SCO16637) Published September 2014

    PostTraumatic Stress Disorder Benefits CSA War Pensions Debt and Money Advice Employment Housing / Homelessness Relationships

    Your Regional Support Officer is: Sandra Staniland 01546 605555 - SStaniland@ABCAB.casonline.org.uk

    Some Scottish secure tenants have a right to buy their home. This right is due to end on 1 August 2016.

    If you have the right to buy your home, you will be able to exercise your right to buy if the application is made before 1 August 2016. The purchase does not need to be completed before this date.

    The Scottish Government website has information on the right to buy, including information on what ending right to buy means for tenants, at www.scotland.gov.uk.


  • Community News Page 3


    SSAFA In Service Committee Members held a Big Brew event in the Families Centre on 3 November to raise funds towards the great they do in the local community in support of Service Personnel and their families. 135 was raised on the day with the sale of home made baking, tea and coffee and SSAFA shop items. Tracey Megson the local SSAFA Fundraising and Publicity Officer who organised the event would like to thank all her helpers on the day and all those who donated and supported the event.


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    The DIO Consultative Group meeting is a meeting which is held once a term in the Families Centre with representatives from each of the Estates, DIO / Carillion Rep / DCPO / Hive and chaired by the Base Warrant Officer. It is a chance to raise Estate Issues (Not individual problems) with key players and also allows the latest information from the Base / DIO / Carillion to be disseminated through the estate social media set ups. Currently there is no Upper Churchill or Colgrain Representatives. If you keen to make a difference and enhance your Estate and are interested in being a representative for Upper Churchill or Colgrain then your interest should be highlighted through the Families Centre (01436 679526) to the Base Warrant Officer.

    Service personnel and their spouses/civil partners may continue to choose to register to vote in one of three ways: as a Service voter, as an Ordinary voter and, where relevant, as an Overseas voter. Service Voter If you register as a Service voter you will only have to re-register every 5 years but you must inform your local Electoral Registration Officer if the address to which voting/ballot papers are sent to you has changed. To register online as a Service voter you should visit: www.gov.uk/register-to-vote-armed-forces and complete the online application.

    Service Families Accommodation Occupants are responsible for ensuring that their home is protected from cold weather and must report any issues with their service provider (see above) before the winter weather sets in. To read hints and tips in a helpful guide from DIO and save yourself the hassle of dealing with a flood or other cold weather damage go to: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/260963/20131118_ SFAProtectingyourfamilyhomeWinter.pdf


  • Community News Page 5


    Family Passes will only be issued to the family of RN and MOD civilian personnel serving/working at HMNB Clyde who require access to the Base.

    This includes the Permanent Pass holders spouse or long term partner providing that they reside with the Permanent Pass Holder for the duration of their service at HMNB Clyde.

    Application forms are available from Sophia McArdle in the Families Centre on

    01436 675496 or 07753 577731

    or the Base Personnel Security Authority on

    01436 674321 ext. 5475 or 6509.

    If a Tour of the Base is required on completion of security pass forms contact Sophia McArdle on either of the numbers above.

    1. Do you lose time from work due to gambling? 2. Is gambling making your home life unhappy? 3. Is gambling affecting your reputation? 4. Have you ever felt remorse after gambling? 5. Do you ever gamble to get money with which

    to pay debts or otherwise solve financial difficulties?

    6. Does gambling cause a decrease in your ambition or efficiency?

    7. After losing, do you feel you must return as soon as possible and win back your losses?

    8. After a win do you have a strong urge to return and win more?

    9. Do you often gamble until your last pound is gone?

    10. Do you ever borrow to finance your gambling? 11. Have you ever sold anything to finance

    gambling? 12. Are you reluctant to use gambling money for

    normal expenditure? 13. Does gambling make you careless of the

    welfare of you family? 14. Do you gamble longer than you planned? 15. Do you ever gamble to escape worry or

    trouble? 16. Have you ever committed, or considered

    committing an illegal act to finance gambling? 17. Does gambling cause you difficulty in

    sleeping? 18. Do arguments, disappointments or frustrations

    create an urge within you to gamble? 19. Do you have an urge to celebrate any good

    fortune with a few hours gambling? 20. Have you ever considered self - destruction as

    a result of your gambling ?

    Gamblers Anonymous is a fellowship of men and women who have joined together to do something about their own gambling problem and to help other compulsive gamblers do the same. GA is not a campaigner against gambling, it neither endorses or opposes any causes or lends its name to any outside agencies. The Primary Purpose of GA is to carry the message to the compulsive gambler who is still suffering wherever they may be. GA is self supporting and receives no grants, donations from government or any outside agency. If you are having a problem controlling your gambling were here to help you. Our Helpline is open 24 hours a day on 0370 050 8881, our meetings are on every night of the week across all major towns and cities in Scotland