2015 Scheme FAQs

Our most commonly asked questions and answers.

Frequently asked questions

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.

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.

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.

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.

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

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.

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.

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

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