Understand how much you’ll get
In this section:
- Annual Benefit Statements
- Estimates and Pension calculator
Annual Benefit Statements
Annual benefit statements
SPPA have a legal duty to provide you with regular details of your estimated pension benefits.
We automatically produce Annual Benefit Statements (ABS) for Police pension scheme members who are in active employment.
Accessing your annual benefit statement
If you work for Police Scotland, you can register for our online member portal where you can see and print copies of your annual benefit statement.
Your annual benefit statement estimates your pension benefits built up to the end of the most recent financial year. This is based on your pensionable service and / or your salary details, which are confirmed by your employer.
On 1 April 2022, the 1987 and 2006 Police schemes closed to any future pension build-up. Members were moved into the 2015 CARE Pension Scheme.
From 1 October 2023, Eligible members will have the option to choose between their legacy or reformed scheme benefits when they retire. This choice will be for the period between 1 April 2015 and 31 March 2022. From 2024, your annual benefits statement (ABS) will show a dual estimate of both the legacy and reformed schemes to help you make your choice.
A remedy calculator is available to use if you'd like to compare your legacy and reformed scheme benefits.
Using a Financial Adviser
If you’re still working for the Police, SPPA can’t provide your Financial Adviser with an estimate.
You can download your annual benefit statement from our online member portal and send it to them directly.
If you have left Police employment, we can accept requests from financial advisers as long as they can provide a mandate signed by you, authorising the release of the requested information.
We will provide a statement showing the value of your pension benefits when they were preserved and guidance on using our Preserved Calculator.
More information can be found at The Money and Pensions Service
Pension Estimates and Calculators
Police Pension Calculator
How to calculate your benefits
The calculator is a Microsoft Excel file and covers members of the 1987, 2006 and 2015 schemes – as well as members who have benefits in more than one scheme. When you use the calculator you'll get:
- an illustration of benefits, in todays' money terms, that may become payable at a retirement date selected by you
- a description of the benefits payable for each scheme you've been a member of
- an estimate of the maximum lump sum that could be payable
- a printable copy of your personal illustration.
You may find it useful to have your most recent Annual Benefit Statement available while you're using the calculator. If you haven't received your latest annual benefit statement or you would like to request an estimate of your benefits, please check your eligibility before you apply.
You will need to have your most recent Annual Benefit Statement available while you're using the calculator. You should also:
- make sure you've read the notes and assumptions on the calculator
- know the date you joined the scheme
- know your current pensionable pay
- know any service credited from a transfer in (final salary scheme only).
Please note that the illustration is not a guarantee, nor is the calculator intended to provide you with financial advice. If you require financial advice, you should contact an independent financial adviser.
The calculator does not cover: the effect of pensions tax charges on your benefits; information about any optional benefits such as additional pension and additional voluntary contributions; survivor benefits payable in the event of your death; the effect of pension sharing on divorce.