Estimated pension benefits and annual benefit statements
On this page:
- Annual Benefit Statements
- Estimates and calculators
Annual Benefit Statements
2015 Remedy and your Annual Benefit Statement (ABS)
On 1 April 2022 the legacy Police Schemes were closed to any future pension build-up and members were moved into the reformed 2015 pension scheme.
If you are Eligible you will have the chance to choose between your legacy or reformed scheme benefits when you retire.
If you are working and contributing to a pension and or have deferred your benefits you will receive a dual annual benefit statement in August 2024. This is a change to the ABS you are used to and will provide estimates of benefits in both the Legacy and reformed (CARE) schemes.
We are currently preparing to offer this choice to eligible members and getting everything ready to deliver dual Annual Benefit Statements in 2024. As a result, we will not be issuing ABS for 2023 as these will have limited value because they will not be accurate from 1 October 2023 and will be replaced with a Remedial Service Statement from August 2024.
Dual ABS will be introduced from August 2024.
In the absence of an Annual Benefit Statement this year you can self-serve and use our Remedy calculator to get an estimate of your pension benefits for the Remedy period.
If you have retired you will be provided with a Remedial Service Statement after 1st October 2023 so that you can make your Remedy choice.
A Remedy calculator is available to use if you'd like to compare your legacy and reformed scheme benefits. This is the only service available at the present time to Remedy affected members who wish to obtain an estimate.
Accessing your annual benefit statement
If you're in active employment, you can register for our online service where you can access and print copies of your annual benefit statement.
Your annual benefit statement estimates your pension benefits accrued up to the end of the most recent financial year based on your pensionable service and / or salary details as confirmed by your employer.
Calculators and Estimates
As well as annual benefit statements we have a range of calculators that can be used by members still in active employment. These can be used to estimate to future dates and scenarios of your choice.
Preserved Benefits Estimates
If you're a former member of the 1987 or 2006 Police schemes, and you haven't reached your minimum pension age, or won't be claiming your pension within the next 12 months, we can only provide an estimate of your pension’s current value.
If you intend to claim your pension before your normal pension age, the estimate will take into account any applicable reduction for early payment.
Ill health retirement
If you've ended your employment on the grounds of ill health, we can provide an estimate of what your benefits will be.
If you've already left the Police with your benefits preserved in the scheme and you're too ill to carry out any form of employment, we can also estimate your likely benefits.
While there's no minimum age for requesting an estimate of ill health retirement benefits, they can only be paid subject to your application being assessed and approved by an independent Medical Adviser - see our Police Ill health retirement section.
Authorising a financial advisor to contact the SPPA
If you are in active employment and require information for your financial advisor, please access your annual benefit statement online.
If you have left Police employment
We are able to accept requests from financial advisers as long as they can provide a mandate, signed by you authorising the release of the requested information.
Pension lump sum choice
If you have decided to retire but are unsure whether to convert some of your annual pension into an additional tax free lump sum, please tick further information in section 4 page 10 of your application form. The SPPA will then provide exact information for you to make a decision prior to your pension being put into payment.
information about Lump Sums
Projected pension estimates
The SPPA does not provide estimates projecting your possible pension benefits to a future date for the use of financial advisors or for mortgage purposes.