Are you eligible?
Take a look at the ELC eligibility rules below to find out …
All Regular Service Personnel (SP) currently in service will be auto-enrolled on the ELC scheme, as will future SP on completion of their Phase 1 training.
The qualifying service required for both ELC lower-tier and FE/HE awards increased from four to six years as of 1 April 2017. If you had already accumulated four years’ qualifying service before 1 April 2017, you keep your entitlement to use ELC lower-tier award and FE/HE.
If you left service on or after 1 April 2016, you are entitled to post-service access to ELC and FE/HE for five years.
If you left between 1 April 2011 and 31 March 2016 inclusive, you will have until 31 March 2021 to use your ELC or FE/HE (i.e. five years from March 2016). If you left before 1 April 2011, you will retain 10 years of post-Service access.
You can start claiming when you have accumulated the necessary qualifying years of service. For example, if you registered on the ELC scheme and have been serving since 1 April 2000, you will have been entitled to start claiming at the £1,000 level from 1 April 2004 and at the £2,000 level from 1 April 2008.
In brief …
To take advantage of ELC support, you must:
- have completed four years of full-time service or, since 1 April 2017, six years
- have joined (or, since April 2016, been automatically enrolled) on the scheme and completed four years’ (or, from 1 April 2017, six years’) qualifying scheme membership
- apply only for a first eligible FE/HE qualification at the level for which you are academically qualified to enter learning on leaving the Service
- have left the Service or entered your qualifying resettlement phase on or after 17 July 2008
- meet UK residency requirements to qualify for full state subsidy.
Special eligibility criteria apply if you were medically discharged from service before achieving the required number of years’ service. If this is the case, please seek advice from your unit education staffs.
What about if you are made redundant?
Whether or not you applied to be made redundant, you will cease to accrue service for ELC eligibility on the day you leave. If you have accrued six or more years’ service since registering on the scheme by your last day of service, you will still be eligible to claim ELC at the lower tier (£1,000). If you have accrued eight or more years’ service since registering on the scheme by your last day of service, you will be eligible to claim ELC at the higher tier (£2,000), subject to meeting the other conditions associated with the scheme.
No longer serving?
If you have already left the Service or are in your resettlement phase, you may be eligible to claim under the terms of PF FE/HE scheme. Click here to find out more – or, for full details and to check the detailed eligibility rules, click here.
Find out more
Much more detailed information is available in JSP 822, which can be downloaded here.