Your Scottish Police pension scheme

From 1 April 2022, we are changing how retirement lump sums are calculated for 1987 Scheme members who are aged 50 or over and have between 25 and 30 years’ service.

Currently, these members can commute up to 2.25 times their annual pension. This is being changed so they can commute up to 25% of their annual pension instead. This change will not apply retrospectively to retirements pre 1 April 2022.

You can learn more about what commutation is on our webpage - Pension Lump sum options.

We have also updated our existing Pension Calculator to reflect the change from 1 April 2022.

Please note this calculator does not allow for the changes as a result of the 2015 Remedy. A separate 2015 Remedy Calculator that can model and compare benefits between the legacy and CARE scheme is now available for members to use. 


There are currently, three occupational pension schemes for the Police in Scotland: the Police Pension Scheme (Scotland) 1987, New Police Pension Scheme (Scotland) 2006 and Police Pension Scheme (Scotland) 2015.

These schemes are statutory and guaranteed by law, providing pensions and life assurance for police officers in Scotland.

These schemes are administered by the Scottish Public Pensions Agency on behalf of Scottish Ministers and SPPA is also responsible for scheme regulations.

Description of the benefits that can be paid to police officers who are injured on duty.

Access our Police Factors

Please click on the title above to see all the Police Forms.

A basic guide to tax on pensions.

On 1 April 2015 public sector pension schemes were reformed and the Career Average Revalued Earnings (CARE) pension scheme was introduced. Most pension scheme members were moved from their legacy scheme (final salary) to the reformed (CARE) scheme, but some protections were put in place for members who were close to their retirement date. These protections meant that older members stayed in their pre-reform schemes.