State pension
At a glance
Your state pension is separate from your police pension. You should take it into account when planning what income you will have in retirement.
Planning your income
What will you get?
You can find out what age you can receive your state pension and how much it might be on the government website.
The state pension age is currently 66 and is gradually increasing to 67 by April 2028.
In the future you will be able to use Pensions Dashboards to see the value of your state pension and when you will be able to receive it.
GMP
Guaranteed Minimum Pension
The state pension used to have two parts:
- The basic state pension
- The additional state pension
Between 1978 and 2016, police officers who were a member of the police pension scheme were automatically ‘contracted out’ of the additional part, meaning that they didn’t build up this benefit.
If you’re eligible, the police pension scheme makes sure you’re not left worse off because of this. It pays an equivalent amount through your police pension so that, overall, you receive at least the same level of pension you would have had if you had not been contracted out.
For most officers, the police pension that they receive is far greater than the Guaranteed Minimum Pension.