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.

 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 2020 Available Now - 28th August 2020

Your Annual Benefit Statement is now available to view your latest Annual Benefit Statement Login to Member Self Service here

If you need to contact us regarding your Annual Benefit Statement please contact us on our NEW phone number 01642 030692

If you have not registered and wish to do so, please click here and follow the registration guide to signup.

Important Notice - due to COVID-19 - 1st May 2020

The vast majority of XPS is now working from home.

Due to working from home can we please ask that, where possible, correspondence is via email. Due to Covid-19 we are only accessing our office a few days per week to deal with post.

Due to emails being dealt with on a daily basis we would like to suggest that you use this medium to contact the office. If you are unable to use email we are still accepting and dealing with post but not on a daily basis.

NEW LOOK WEBSITE! - 1st May 2020

As part of a wider development of the Member Self Service website, it has undergone an upgrade to the 'look and feel' of the site. If you already have an account, your username and password will remain unchanged and you will be able to login as normal using the LOGIN button. However, if you encounter any problems please email [email protected] or telephone 01642 030695.

There are more changes planned to the site to bring additional functionality and we will add updates to the site as and when these further developments are complete.

The website can be accessed at: https://www.myownpension.org.uk

If you have not registered and wish to do so, please click here and follow the registration guide to signup.

Update of transitional protections remedy (Sargeant) - updated 29th April 2020

XPS Administration are aware of the initial outcome from the case Management hearing held on 28th October 2019.

We understand that everyone is eager to receive information and guidance on the remedy. However, implementation is every complex given that some members will be better off in the new scheme and there are a number of issues that need central government direction which are being considered by HMT with the input of other Government Departments.

Until this time the position remains that all entitlements should proceed under the 2015 scheme rules for the time being. Those that are due to taper still do and those due to retire normally at a later date should continue in the 2015 scheme.

Please see the factsheet produced by the Home Office for further information

This position may be subject to change, any further information will be communicated here.

PPS 2015 Transitional Protections Challenge Update - updated 16th July 2019

The outcome of the Governments application for permission to appeal to the Supreme Court was expected in July. The decision has been made earlier than expected and on 27th June 2019 the Supreme Court has denied the Governments request for an appeal in the transitional protections case in respect of age discrimination and pension protection.

Until the remedy has been determined by the employment tribunal and any regulations changed as a result, we cannot speculate how future benefits may change.

We will update you with further news on each stage of the challenge as and when it becomes available.

Changes to Pensions - updated 21st December 2018

The court of appeal has ruled that the Government's changes to pensions with regard to judges and firefighters were discriminatory on the grounds of age. These cases were brought due to changes to public sector pensions in 2015, which also affected other public sector schemes including the police pension scheme.

The Government will now need to consider the full judgement. We are therefore unable to provide you with any information on might happen next. We understand that any communication from the Home Office is unlikely until the New Year.

The full judgement and a summary is available at https://www.judiciary.uk/judgments/lord-chancellor-v-mccloud-and-others-judgment/

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 21st Febraury 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 [email protected]

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 1st April 2015.
The Guide can be found under the Documents section of the 2015 Scheme tab.

As of Monday 15th February 2021 we have now moved. These offices remain CLOSED to members of the public.

Please read this updated document on how to contact XPS Administration, Middlesbrough. Read Here

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
TS1 9EE.
Telephone : (01642) 030692

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 August 2020 (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

Member Self Service - Login

If you would like to view your benefits on-line, please click on this link below, if you have not completed a registration form you can below.

To access Member Self Service Click Here to Login

If you have not registered.Please use this Form for Member Self Service

If you encounter any problems please email [email protected] or telephone 01642 030695.

Legal Challenge

McCloud/Sargeant remedy; Government consultation response - February 2021

The Government issued their response to the transitional protections remedy consultation on 4 February 2021, where it addressed unlawful discrimination under the 2015 pension reforms.

The link for the consultation response can be found here

XPS appreciate that this legislation will affect future member benefit entitlement and that not only will you have questions but will also want to know how your pension may be affected! However, the response is complex with many areas, such as taxation, still to be addressed. Legislation is still to be drafted and implemented before any changes can, or will, be made to the police scheme pension regulations and software systems. As such, service and tapering will continue on the current basis until such legislation is finalised. Retirements will continue to be calculated under current benefit structures and no pension projections beyond 31 March 2022 will be issued by the Blue Light Administration team. Member Self Service is still available for calculating projections, which will be based on current legislation / benefit structures; we will update when this changes.

Members with both PPS 1987/NPPS 2006 and CARE scheme service who are due to retire before the implementation of legislation will be given their current scheme benefit options upon retirement. Members seeking details of their remedy choice benefit options at retirement before legislation implementation should contact the individual police force concerned to request details their Immediate Detriment policy.

XPS are working with the Home Office, HMT, NPCC and our software providers to be able to deliver the remedy outcome as soon as practicably possible and appreciate your patience and understanding at this time. Any further updates will be posted on this page in due course.

Further details of the consultation response and a Q & A factsheet, prepared by XPS, can be located here