You may be able to purchase additional service if you cannot accrue 35 years pensionable service but either age 55 or age 60. 'Added Years' is a long term commitment and once a contract has been taken out, it cannot be cancelled. You can obtain a quotation from our administration team.
'Added Years' is a long term commitment and depending on the contract you have taken out, will run until your 55th or 60th birthday. The contract cannot be cancelled. Should you be experiencing financial difficulties, your force may use their discretion to allow you to temporarily suspend your 'Added Years'.
You can opt out of the PPS 2006 at any time. Should you wish to rejoin you may need to undergo a medical at your own expense to determine whether or not you are eligible to receive ill health benefits.
There is no time limit within the PPS 2006 that would stop you being able to transfer in your previous pension. The only time restriction applied is when determining what type of transfer you can have. If your previous employer was a member of the Public Sector Transfer Club then your transfer may be more beneficial if it were done within your first 12 months of PPS 2006 membership.
It can still be transferred after this 12 month window but you may not be given as favorable terms and therefore your service credit may be lower. If you have built up pension rights with another employer or within a personal pension before you joined the police force then it may be possible to transfer these benefits into the police pension scheme. Please note that you cannot transfer if you are within 1 year of your normal retirement date. In addition it is not possible to transfer benefits that you have built up while you have been a police officer into the scheme.
Pension contributions cannot be paid back.
If you leave the PPS 2006 with less than 2 years qualifying service without entitlement to any other PPS 2006 award you may be eligible to receive a refund of your pension contributions less any tax and National Insurance contributions. Please note, however, that if you have transferred in any previous pension entitlement, then you will be unable to receive a refund.
If you die whilst an active member of the scheme (i.e. you had not opted out) then a lump sum death grant will become payable to your spouse or civil partner. The death grant is three times your pensionable pay or three times your part time pensionable pay if you worked part time at the time of your death. If you do not leave a spouse, civil partner or unmarried declared partner the death grant will be paid to your personal representative and thus will form part of your estate.
In addition to the death grant, your spouse/ civil partner/ unmarried declared partner will also receive an adult survivor's pension.
If you die whilst an active member of the scheme (i.e. you had not opted out) and have at least two years qualifying service, your spouse/ civil partner/ unmarried declared partner will be entitled to a pension of 50% of the ill health pension that would have been payable on the date of your death.
If you die in retirement, the pension payable is 50% of your pension entitlement on the date of your death.
Unmarried partners will only be entitled to death benefits if both they and the member have completed the joint declaration form.
In addition if your spouse or civil partner is more than 12 years younger than you his or her pension will be reduced to reflect the age difference.
If you die whilst an active member of the scheme (i.e. you had not opted out) the pension payable to an eligible child is generally 25% of your pension entitlement at your date of death. If, however, there are 2 or more children each receives an amount equivalent to 50% of your pension entitled divided by the number of children.
Eligible children are:
Children's pensions are only payable if the child is under 19 years old unless :
If, when you die, you were still married or in a civil partnership, your spouse / civil partner will be entitled to receive a pension in their own right, even if you were separated from them. Entitlement to adult dependent benefits only stops upon issue of a decree absolute or dissolution of a civil partnership certificate.
If you work part time, you will receive a pension which is based on a fair proportion of a whole time officer's pension. The formula we use to calculate your pension will depend on how many calendar years' service you have.
If for example you worked half the hours of a full time officer for two years, you would accrue one years' worth of pensionable service. Similarly if you worked half the hours of a full time officer for 10 years, you would accrue 5 years' worth of pensionable service.
To put this in simple terms, we will calculate your pension using your service on a pro rata basis but use your whole time equivalent pay in our calculations
Pensionable service may be affected by any periods of unpaid absence.
Paid Maternity Leave is pensionable. Unpaid maternity leave is pensionable if contributions are paid. An election should be made within 3 months of return to duty or last day of service if earlier.
Maternity Support Leave
Week 1 - Full pay - Service reckonable
Week 2 - If you have more than 26 weeks service. you will pay contributions and this service will be reckonable.
If you have less than 26 weeks service, your maternity support leave will be unpaid and will not count towards your pension.
Regulations were introduced in 2004 that allow you to pay contributions following a period of Parental leave. These regulations allow you to count all periods of paid parental leave as pensionable and give you the option of paying contributions to count periods of unpaid parental leave as pensionable.
You will pay contributions for any paid period of adoption leave and service therefore counts towards your pension.
Adoption Support Leave
Week 1 - Full pay - contributions are paid and service therefore counts towards your pension.
Week 2 - If you have more than 26 weeks service you will pay contributions and this service will be reckonable.
- paid paternity pay rate & service reckonable.
If you have less than 26 weeks service, Adoption support leave will be unpaid and will not count towards your pension.
You can buy back a period of unpaid sick leave provided you satisfy the following conditions:
You must have been a regular policeman immediately prior to the period of leave and must not have opted out of the PPS 2006.
The period of unpaid leave must not exceed 6 months and, when added to other periods of unpaid sick leave which have already been paid for, must not exceed 12 months.
You must give notice within 3 months of return to work (or by your last day of service) that you wish to repay the contributions.
Contributions are based on the pay you would have received had you not been on sick leave.
If you were on temporary promotion prior to your unpaid leave you must pay contributions based on the increased pay
If you moved to part-time service prior to your unpaid leave your contributions will be based on your part-time pay
Payment of contributions may be made by either lump sum or by monthly contributions and must be completed within 6 months of your election to pay. If you retire, the contributions need to be paid within 2 months of the retirement date if they are to be treated as paid.
There is no facility within the PPS 2006 to increase any death benefits payable on the death of a member; however, options may be available from external providers.