• Police Member Banner 2015 Scheme
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    This section of the website is for officers who joined the Police Force after 1st April 2015 or who have been entered into the scheme following the end of their protection from either the Police Pension Scheme 1987 or Police Pension Scheme 2006.

    The Police Pension Scheme 2015 (PPS 2015) operates as a Career Average Revalued Earnings (CARE) pension scheme. This means that for each year you are an Active Member you will earn a fraction of your Pensionable Earnings for that year as earned pension. This will be revalued for each subsequent year until you retire.

    Key Features

    Earned pension will be added to your pension pot in each year of pensionable service under the 2015 Scheme, and will be revalued at the end of each year.

    • Whether you work full-time or part-time your earned pension is built up in the same way.
    • The 2015 Scheme is funded by the contributions from members and Police Pension Authorities (e.g. the Chief Constable).
    Pension benefits for members
    • The Normal Pension Age is 60.
    • The Normal Minimum Pension Age is 55; this means you can retire at any time from age 55 and receive immediate payment of your pension.
    • Where benefits are claimed from age 55, but before age 60, 2015 Scheme benefits will have an early retirement reduction applied.
    • You may remain an Active Member of the 2015 Scheme as long as you wish (there is no maximum period of service).

    If you decide to continue in service beyond age 60 there will be a late retirement increase applied to your pension as it will be paid later than it would be in normal circumstances.

    • Whilst you are an Active Member, the rate of revaluation applied at the end of each Scheme Year (31 March) to the earned pension accrued for that year is the movement in the Consumer Price Index (CPI) + 1.25%. The revalued amount forms the opening balance of your pension for the next Scheme Year.
    • For each Scheme Year that you are an Active Member of the 2015 Scheme, your earned pension is 1/55.3th of the value of your Pensionable Earnings for that Scheme Year (uprated by CPI + 1.25%).
    • Pensions in payment to members are increased every year in line with CPI under the Pensions (Increase) Act 1971.
    Benefits for others on the death of a member

    If you should die whilst serving as an Active Member then:

    • A lump sum death grant of 3 times your Final Pay is payable if your period of service was at least 12 months (otherwise it's 3 times your annualised final pay).

    If you die whilst a member of the 2015 Scheme:

    • A pension will be paid to your spouse or civil partner for the rest of their life.
    • A partner who is neither a spouse nor a civil partner may be entitled to payment of a pension for life, subject to meeting the necessary criteria.

    Eligible children under the age of 23 may qualify for a pension.

    Other Points
    • You will be able to commute part (up to 25%) of your pension at a rate of 1:12; therefore for every £1 of pension given up you receive a lump sum of £12.
    • Purchasing added pension (where you can increase your pension by paying additional contributions) is currently limited to £6,500 per year. The limit may be altered by HM Treasury (HMT). Added pension is revalued by CPI in line with the Pensions (Increase) Act 1971.
    • The 2015 Scheme does not have a formal Additional Voluntary Contribution (AVC) arrangement, but you do have the option to make contributions to a separate personal pension scheme in addition to your contributions to the 2015 Scheme within limits prescribed by HMRC.
    • It is possible for Deferred Pensions (payable in full at your State Pension Age) to be paid early on request, but this will be subject an early retirement reduction to reflect that they will be paid earlier and for a longer period.
    • Deferred Pensions can also be paid early when a Deferred Member is permanently medically unfit for regular employment. These are not subject to an early retirement reduction.