Police Pension Audit
Professional audit and error-review for Police Pension Scheme members. We will cover multi-scheme McCloud calculations, special duties pay, and force transfer records. Launching soon — register below for early access.
✓ NHS pension audit available now · Police — register your interest below
About Police Pension Schemes
The Police Pension Scheme is actually several interconnected schemes, making it one of the most complex public sector pension arrangements. Officers may have benefits across multiple schemes depending on their service dates.
Multiple Schemes: Police officers may have benefits in the 1987 scheme, 2006 scheme (NPPPS), and/or 2015 scheme (CARE) depending on their service dates.
Current Scheme Key Features (2015):
- Career Average — Pension builds at 1/55.3rd of pensionable pay annually
- Normal Pension Age — 60 (lower than most public sector schemes)
- Early Retirement — Available from age 55 with reduction
- Ill Health Benefits — Enhanced benefits for injury on duty
- Death Benefits — Generous survivor benefits and death grants
- Special Pay — Overtime and allowances may be pensionable
The McCloud Remedy adds further complexity, with officers potentially benefiting from final salary calculations for service between 2015–2022.
Quick Facts
| Administrator | Local Police Forces |
| Normal Pension Age | 60 |
| Employer Rate | 31% |
| Annual Allowance | £60,000 |
| Transfer Out | Limited |
Contribution Rates
| Salary Band | Rate |
|---|---|
| Up to £24,456 | 12.44% |
| £24,457 – £30,849 | 12.44% |
| £30,850 – £43,957 | 12.78% |
| £43,958 – £63,579 | 13.44% |
| £63,580+ | 13.78% |
Common Police Pension Errors Our Audit Will Cover
Complex schemes mean significant scope for calculation mistakes
McCloud Remedy Complexity
High ImpactMultiple Police pension schemes create extremely complex McCloud calculations requiring specialist knowledge
Special Duties Pay Missing
High ImpactOvertime, standby payments, and special duties allowances not included in pensionable pay calculations
Force Transfer Errors
Medium ImpactService transfers between police forces not properly recorded, affecting total pensionable service
Injury Award Interactions
High ImpactInjury awards and ill-health retirements incorrectly calculated alongside standard pension benefits
Commutation Calculation Errors
Medium ImpactLump sum vs pension trade-offs calculated incorrectly, affecting optimal retirement planning
Previous Scheme Credits
High ImpactLocal government or other public sector service before joining police not properly transferred
Be First to Access Police Pension Audits
We are building a dedicated audit service for Police Pension Scheme members. Register below and we'll contact you as soon as it launches — no commitment required.
Register for Police Pension updates
We will notify you when this scheme is ready for early access.
NHS pension member? Audit service available now →