Police Pension Scheme

Calculating your Benefits

Your retirement benefits and the date on which they become payable will depend on your age, final pensionable pay and length of pensionable service. The following information relates to those with at least 2 years’ qualifying service.

If you are a member of the 2006 Scheme, you will be able to retire from age 55 with an immediate pension. However, if you leave the Police Force with at least 2 years’ qualifying service before age 55, or if you opt out of the 2006 Scheme at any age, you will be entitled to a deferred pension which will come into payment from age 65. A deferred pension may be paid early in case of ill-health, or if you opt for it to be reduced.

You will receive a pension for life, plus a tax-free lump sum. Your annual pension is based on 1/70th of your final pensionable pay for each year of pensionable service up to a maximum of 35/70ths. The lump sum is 4 times the annual pension, but you will have the option to exchange all or part of your lump sum for increased annual pension.


An Officer’s final pensionable pay is £30,000 and his pensionable service is 21 years.

His annual pension is calculated as 21 years x 1/70 x £30,000 = £9,000 per year, which is index linked after the first year.

His automatic tax-free lump sum is calculated as 21 x 4/70 x £30,000 = £36,000.

  • Pensionable Service
  • Pensionable Earnings
  • Exchanging your Lump Sum