Estimated pension benefits and annual benefit statements
On this page:
- Annual Benefit Statements
- Calculators and Estimates
Annual Benefit Statements
2015 Remedy and your Annual Benefit Statement (ABS)
On 1 April 2022 the legacy NHS 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 scheme (final salary) or reformed (CARE) scheme benefits when you retire.
Find out more about the 2015 Remedy from our Remedy Hub
Annual Benefit Statement for members who are not eligible for 2015 Remedy
If you are not eligible for 2015 Remedy, your Annual Benefit Statement will be available by the end of August each year.
Annual Benefit Statement for members who are eligible for 2015 Remedy
If you are eligible for 2015 Remedy, your Annual Benefit Statement (ABS) will look a little different from now on. It will be combined with a Remediable Service Statement (RSS) so that you can keep track of benefits in the alternative scheme. This statement is called an ABS-RSS.
The SPPA delivered ABS-RSS to 98% of all eligible active (in work) scheme members by 31 May 2025 and we’ll continue to send an ABS-RSS every year that you pay into the pension scheme.
If you did not get an ABS-RSS
This is the first time that pension scheme members are being provided with a dual ABS-RSS. To manage the complexity of the programme and volume of cases, the SPPA has been developing new systems. This is being done in parallel with the issuing of cases the system is currently configured to process. Further system configurations are required to provide accurate statements for those cases still outstanding. This currently includes the 2% of cases where members did not receive an ABS-RSS.
If you have not received an ABS-RSS, we will be in touch with you by letter.
These are some of the scenarios that require manual intervention:
- Transferred in service in the remedy period
- Added Pension
- Where there is inconsistent or missing data
If you have a deferred pension, we are working to provide you with an ABS-RSS by 31 August 2025. However work is still underway to complete the necessary technical solution.
A Remedy calculator is available to use if you'd like to compare your legacy and reform scheme benefits.
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
Calculators
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.
Accessing the calculator
The calculator should automatically download to your computer or mobile device. Depending on your computer settings, it may also open in your web browser.
If you use the Microsoft Edge browser, you may see an error message that says: ‘Couldn’t Load This Workbook.’
If you see the error message and the calculator hasn't downloaded, you can manually download the calculator by clicking the ‘download file’ button. This will appear above the error message.
Download the Police Pension Calculator
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.
Preserved members
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
If you require an estimate to support with retirement planning or other life events, an estimate can be provided if you are:
- At retirement age and ready/thinking about retirement
- Within six months of retirement
- Requiring an estimate pending redundancy, divorce, ill- health or for mortgage applications
- Are not able to use the calculators
If you meet this criteria, please contact us.