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 Police Schemes were closed to any future pension build-up and members were moved into the reformed 2015 pension scheme.
If you are 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, you will get a new look ABS. Your Annual Benefit Statement (ABS) has been combined with a Remediable Service Statement (RSS) into a new document called an ABS-RSS.
The ABS-RSS sets out your pension benefits in both the final salary (legacy) and reformed (CARE) schemes to help you keep track of your pension benefits for the remedy period. It also includes details of any contribution adjustments and what you need to do. You will find your ABS-RSS on the SPPA’s online member self-service portal.
We are currently in the process of issuing your ABS-RSS and will notify you by email once it is available on our member self-service portal. Please register if you have not already done so. It is very important that you sign-up so that you can make a decision on correcting your contributions. If you haven’t received your ABS-RSS yet, please don’t worry - you will receive it soon.
If you have deferred your pension, you will get an ABS-RSS by the end of March 2025 which is the regulatory deadline.
It is very important you sign-up to the member self-service portal because you will need to make a decision in relation to your contributions for the remedy period. You may owe or be owed contributions.
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
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.