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From 1 April 2015 you are automatically enrolled to the 2015 scheme on appointment to a police force unless you decide to opt out (see Opting out).

On joining a police force, you may be asked to have a medical examination (free of charge) so that the Police Pension Authority can decide whether you will be eligible for ill-health benefits (This does not apply to former members of the 1987 scheme or the 2006 scheme who join the 2015 scheme on 1 April 2015 or at the end of their tapered protection period).

If the Police Pension Authority determines (after any appeal) that the likely cost of providing benefits is disproportionately high, you can still join the scheme and pay reduced contributions but you will not receive ill-health benefits.

An exclusion from ill-health benefits under the 1987 scheme or the 2006 scheme will also provide an exclusion from ill-health benefits under the 2015 scheme.

It is possible for you to be a member of the 2015 Scheme and to contribute to other pension schemes, such as a personal pension plan, at the same time. You are advised to consult an independent financial adviser if you are interested in this.

If you are (or are considering) moving between forces and/or you have a gap in service (or are considering one), differing conditions may apply according to your individual circumstances. You should contact your pensions administrator in the first instance so that you are aware of any potential consequences.

Automatic enrolment

Automatic enrolment means that your Police Pension Authority will automatically enrol you onto scheme on your first day of eligible service.

If you opt out of the scheme you will be automatically re-enrolled every 3 years on your automatic re-enrolment date. If you want to remain opted out, you will need to opt out within one month; this will be backdated from the automatic re-enrolment date.

If you are thinking of opting out you are strongly recommended to take independent financial advice before you make a decision.

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