Making your choice – Active and deferred members

Your annual benefit statement, remediable service statement sets out your pension benefits for the remedy period.

It shows you:

• What your benefits look like in your legacy scheme
• What your benefits look like in the reformed scheme
• Any difference between the two

This helps you understand how remedy may affect your pension and gives you information about any contribution adjustment that may apply.

It allows you to:

• See how your pension builds up under each option
• Understand any differences in value
• Start thinking about what might be right for you

You do not need to make any immediate decisions about your choice of benefits for the remedy period. This decision will be made at the point when you retire. 

The only decision that you need to make, is whether you wish to settle your contribution adjustment now or later. This decision will be unique to you and depend on your individual circumstances.

Find out more about this in the contribution adjustments section. 

At retirement, you will have benefits in two of the police pension schemes – 2015 and one of the legacy schemes. 

Each of the police pension schemes has a different retirement age. This should be considered carefully, as the decisions you make in one scheme can affect when you are able to take your benefits from another scheme. 

More information is shared in the 1987 and 2006 sections of this website. 

Your decision is individual to your own circumstances. When you retire, your administrator will provide you with all the details you need to make a decision. This will be in the form of a remediable service statement.

Once you have received this document, if you feel you need help making a decision, you can contact a financial adviser. A list of financial advisers can be found at unbiased.co.uk.