Welcome to the pension website for serving and former police officers. This site is a hub of pension information which will hopefully serve you well during your career and in your retirement.

XPS Administration

 More information about how you can help protect yourself can be found under the 'Transferring' section in the menu above.

View the short Video from the Pensions Regulator.

Latest News

Annual Benefit Statements – Deferred members

From 30 June 2017, former scheme members of each of the Police Pension Schemes will receive their 2017 Annual Benefit Statement.  We have kept the design similar to last year, in that members receive generic notes accompanying their current pension values with scheme-specific notes explaining deferred benefits from the particular scheme appropriate to the former scheme member.

The notes can be found on the ‘Deferred Benefits’ page once the applicable scheme has been selected (from the tabs above).
Please select the scheme that you were a member of at the time you left pensionable service. 

So, if you were a PPS 1987 or PPS 2006 member who transitioned into PPS 2015 (at any point from 1 April 2015), please refer to the ‘Deferred Benefits’ page within PPS 2015.

Commutation News Last Updated 21/2/2017

The commutation exercise has been completed, but for a handful of payments which we are working on. In the main, these payments are due to the estate of Officers who have passed away.

If you believe that you are entitled to a payment under this review and have not received this yet, get in touch with us by calling 01642 727040 or send an e-mail to us using pencom@.co.uk.

Please could you have a read of the briefing note below to ensure you meet the criteria before getting in touch. If you are not sure, please let us know.

Scheme Regulations & Guide Published

The Police Pension Scheme Regulations 2015 have been laid before parliament, coming into effect from 1/4/2015.


Contact XPS Administration
All of the schemes are administered by XPS Administration from our offices in the North East of England.

Post : XPS Administration
PO Box 485
Middlesbrough
TS1 9EE.
Office opening hours are :
Monday to Thursday from 8.30am to 5.00pm
& Friday from 8.30am to 4.30pm
Telephone : (01642) 727333


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To get directions to our office, please click on the link which says 'View Larger Map'. To enable Google street map, please click on the google sign in the bottom left hand corner.

XPS Administration Complaints Policy

This policy is to deal with all grievances pertaining to the actions or otherwise of the Pensions Unit which fall outside of the scope of the Internal Dispute Resolution Procedure relevant to the pension scheme to which your membership relates. For details of the relevant Internal Dispute Resolution Procedure, please contact the Pensions Unit who will provide documentation relating to the process for your pension scheme.

XPS Administration is committed to providing a quality service to all our clients and their members. If you are not satisfied with the level of service you have received from us we would like you to tell us about it. All complaints are taken very seriously and any feedback is appreciated as it provides us with an opportunity to improve our standards.

Complaints Procedure

1. You should forward your complaint to the Pensions Unit in the first instance; postal address and other details can be found above.

2. Upon receipt, your complaint is entered into our complaints matrix and assigned to a member of our Governance Team for investigation; this person will send you written acknowledgement on receipt of your complaint within 5 working days.

3. The assigned member of the Governance Team will then investigate your complaint. This is likely to involve the following steps:

   • Examining your record to ascertain the sequence of relevant events & related correspondence
   • Interviewing the relevant members of staff for clarification on the issue
   • Liaising with senior management as appropriate

4. We aim to acknowledge, fully investigate and respond to all complaints within 14 working days.

5. A full written response to your complaint will be drafted by the appointed member of the Governance Team and be sent to you with supporting documentary evidence (if applicable). In addition, they may escalate your concerns to the relevant Manager or Director who may wish to discuss the events surrounding your complaint directly with you.

6. If you are not satisfied with the outcome, you can make a written request for escalation of your complaint. The investigation will be reviewed by the Head of Pensions, who will respond directly with his findings and conclusion.

7. If you remain unsatisfied with the decision, you can contact the Pensions Ombudsman who may be able to assist with your case depending upon its nature.

Thinking of transferring out of the Police Pension Scheme?


Read on and consider very carefully . . . .

has been dealing with transfers in and out of the Police Pension Schemes for many years.

It has become very apparent where transfers are concerned, that some companies are taking advantage of individuals, particularly those who are keen to access their accrued pension benefits sooner than their scheme allows. This is known as ‘Pensions Liberation’, another term for it could be con-artists.

The Pensions Regulator and XPS Administration are extremely keen to avoid members being duped into making decisions about transferring their benefits which can ultimately cost tens of thousands of pounds and cause huge financial problems for scheme members, some of who, have spent the majority of their lives building up these benefits.

The Police Pension Scheme is extremely comprehensive, insofar as it provides lifelong benefits for you and for your family. It is index linked so maintains its purchasing power over the years and is absolutely guaranteed to continue to be paid regardless of the performance of the marketplace, the solvency of your former employer or any other inherent risks associated with the payment of pensions.

By transferring to another company, you do not have this peace of mind.

It has been known for people to transfer benefits to pension companies who on the face of it, seem completely legitimate. There will generally be a promise of quick early release cash with the rest to follow (there are various ways that this cash is promised to you). What generally isn't made clear by these companies is the following:

  • These companies will take a cut (often a very large cut) of your transfer value for their efforts
  • If HMRC find that you have been paid this cash early, they will tax any income (including lump sums), up to 55%
  • You will not have any form of income guarantee (no definitive period over which a pension will be paid)
  • You will have no statutory indexation (generally, your pension will not increase)
  • Your family will almost certainly not receive benefits if you die
  • You will lose your employer's contribution towards your pension

Remember, if it sounds too good to be true, it probably is. We would always advise scheme members to take independent financial advice prior to transferring out to a pension scheme.

We do appreciate that there can be a need for instant access to cash. Please consider the many alternatives available to you and avoid the problems that pensions liberation can cause.

Please read through the documents below, these have been prepared by the Pensions Regulator to advise of the pitfalls of transferring to these companies. Here you will see some real life examples of the working of these unscrupulous companies, and may make you think twice about transferring your guaranteed retirement income to a potential scammer.


Annual Benefit Statements

Statements for active members will be issued from 22nd August 2018 (apart from officers currently absent from work due to being on a career break: they will not receive a statement). 

The following notes accompany your statement; merely select the document that matches your scheme and protection status.  You should refer to these notes whilst reading your statement.

PPS 1987 Fully Protected Member
PPS 1987 Tapered or Unprotected Member
PPS 2006 Fully Protected Member
PPS 2006 Tapered or Unprotected Member
PPS 2015 Only Members