Police Pension FAQs

This section contains our most commonly asked questions from members of the Police Officers’ Scheme.

1987 Scheme FAQs

Your Annual Benefit Statement, otherwise known as your ABS, shows you the pension benefits you’ve built up to date. It also shows the amount that’s payable as a death grant, as well as the current amount in your survivors’ pension. This is the ongoing pension that will be provided for your spouse, registered civil partner. For more information about the ABS, please visit: Reports & Statements, Annual Benefit Statement

An ongoing pension is provided for your spouse, registered civil partner and, subject to certain qualifying conditions, eligible children. There is no provision to pay to a cohabiting partner.

An ongoing pension is provided for your spouse, registered civil partner and, subject to certain qualifying conditions, eligible children. There is no provision to pay to a cohabiting partner.

An amount which is two times your pensionable pay will be paid to your spouse/estate as a death grant, there is no option to nominate who receives this payment. An ongoing pension is provided for your spouse, registered civil partner and, subject to certain qualifying conditions, eligible children. There is no provision to pay to a cohabiting partner.

The scheme pays benefits to a legal spouse or civil partner.  There is no provision for cohabiting benefits.  If you are already in receipt of your pension benefits then the date of the marriage/Civil partnership can affect the level of the dependents pension.

If you have the maximum membership of 30 years on your retirement or have reached your Normal Retirement Age you may commute up to a ¼ of your pension for a lump sum. For each £1 of pension you give up you would receive a lump sum based on the factors provided by GAD and are based on your age at retirement. Please note that if you take the maximum lump sum some of it may be subject to a tax charge.

This would be the date on which you have been a member of the scheme for 30 years taking into account any transferred in membership and any breaks in membership for which you have not paid contributions.

2006 Scheme FAQs

Your Annual Benefit Statement, otherwise known as your ABS, shows you the pension benefits you’ve built up to date. It also shows the amount that’s payable as a death grant, as well as the current amount in your survivors’ pension. This is the ongoing pension that will be provided for your spouse, registered civil partner or, subject to certain qualifying conditions, eligible cohabiting partner. For more information about the ABS, please visit: Reports & Statements, Annual Benefit Statement

An ongoing pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, eligible cohabiting partner and eligible children.

An ongoing pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, eligible cohabiting partner and eligible children.

An amount which is three times your pensionable pay will be paid as a death grant to your spouse or partner. If there is no spouse/partner, then in accordance with your nominated beneficiary or beneficiaries request. An ongoing pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, eligible cohabiting partner and eligible children.

The 2006 scheme pays dependents benefits to spouse’s, civil partners and also cohabiting partners who meet certain criteria.

The scheme provides an automatic lump sum of 4 times your pension, there is no option to increase this amount at retirement.

2015 Scheme FAQs

Your Annual Benefit Statement, otherwise known as your ABS, shows you the pension benefits you’ve built up to date. It also shows the amount that’s payable as a death grant, as well as the current amount in your survivors’ pension. This is the ongoing pension that will be provided for your spouse, registered civil partner or, subject to certain qualifying conditions, eligible cohabiting partner. For more information about the ABS, please visit: Reports & Statements, Annual Benefit Statement

An ongoing pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, eligible cohabiting partner and eligible children.

An ongoing pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, eligible cohabiting partner and eligible children.

An amount which is three times your pensionable pay will be paid as a death grant to your spouse or partner. If there is no spouse/partner, then in accordance with your nominated beneficiary or beneficiaries request. An ongoing pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, eligible cohabiting partner and eligible children.

The 2015 scheme pays dependents benefits to spouse’s, civil partners and also cohabiting partners who meet certain criteria.

You are able to give up a ¼ of your pension for a lump sum.   For each £1 of pension you give up you would receive a lump sum of £12.

Others

Getting divorced does not affect your benefits unless a Pension Sharing Order is placed against the benefits by the Court. If a sharing order is made then your benefits will be reduced and your ex-spouse will be awarded pension benefits in the scheme.

If you wish to opt into the scheme please complete the starter form and return it to us.  Please note that you may be required to undertake a medical examination to re-join the pension scheme which you would need to pay for. General Pensions Information, Transfer In

If you wish to opt out of the scheme please complete the opt out form and send to your Employer/Payroll department, who will cease your deductions and inform us accordingly.

If you have left employment with the Police Force you may be able to transfer your benefits to another pension scheme which satisfies certain requirements. An essential requirement is that the scheme must be a UK tax registered pension scheme and must not provide ‘flexible benefits’. Generally, a ‘flexible benefit’ is a pension benefit which is calculated by reference to an amount of money such as money purchase or cash balance benefits.

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