You can opt out of PPS at any time. You will need to complete and return an option form (see below), and return this to your employer. Your decision will take effect from your next pay day after receipt of your notice to opt out.

Opting out of PPS will have a number of consequences, including:

• As you have built up over two years’ pensionable service in PPS, you will be entitled to a deferred pension, which would generally be payable from age 60
• If you die in service when you have opted out of PPS, no lump sum death grant is payable
• As someone who is not an active member of PPS you will not be eligible for an ill-health pension if you are medically retired, although you will qualify for early payment of your deferred benefit
• Opting out will affect the benefits which are payable to your survivors
• You cannot re-join the PPS, only NPPS or PPS 2015, depending on your circumstances

If you opt out of PPS with less than two years' qualifying service, your pension contributions will be refunded when you leave the service or reach your compulsory retirement age.

If you are thinking of opting out of PPS, you are strongly recommended to take independent financial advice before you make a decision.

Opportunities to re-join at a later date
If you opt out of PPS, you cannot re-join it; you will be eligible to join NPPS or PPS 2015, depending on your circumstances. You may need to undergo a medical examination at your expense to determine whether you will be eligible for ill-health benefits.

Application to opt out of the Police Pension Scheme 1987

Application to opt out of the Police Pension Scheme 1987 having accrued 30 Years Service