Police Pension Scheme

Leaving the Scheme

You can opt out of the 1987 Scheme at any time. If you decide to leave, your decision will take effect from the next available pay period after receipt of your notice to opt out.

Opting out of the 1987 Scheme will have a number of consequences, including:

  • as you will have 2 years or more pensionable service in 1987 Scheme, you will then be entitled to a deferred pension, which would generally only be payable from age 60;
  • if you die in service when you have opted out of the 1987 Scheme, NO lump sum death grant is payable;
  • as someone who is not an active member of the 1987 Scheme, 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 pension if you are assessed as permanently disabled for all regular employment;
  • opting out will affect the benefits which are payable to your survivors;
  • you cannot rejoin the 1987 Scheme, only the 2015 Scheme.
  • Deferred Benefits
  • Transferring your Benefits

Please Note

As you will now have more than 2 years qualifying service in the 1987 Scheme, you will NOT be eligible to receive a refund of contributions.

If you are thinking of opting out of the 1987 Scheme, you are strongly recommended to seek Independent Financial Advice before you make a decision.