Jurisdiction(s):
United Kingdom

Police Pension Scheme 2015 (England and Wales): statutory framework, funding and cost cap reforms, governance, eligibility, contributions, CARE design, benefits (retirement, ill‑health, death), transfers, appeals, and McCloud transitional remedy

Published by a LexisNexis Pensions expert

Practice notes

FORTHCOMING CHANGE:

The Home Office consulted on bringing the Police Pension Scheme 2015 revaluation date into line with the tax year—from 1 April to 6 April—to avoid CPI misalignment that can otherwise inflate annual allowance charges. Mirroring practice in other public sector schemes, the proposal seeks to improve fairness whilst leaving overall benefits unchanged. The consultation closed on 16 March 2026, with a response anticipated around June 2026. For more information, see LNB News 20/01/2026 39.

Statutory framework

There are currently three pension schemes in operation in England and Wales providing benefits for members of a police force. The three schemes are:

the Police Pension Scheme 1987 (PPS 1987), which closed to new members from 6 April 2006 and to future accrual from 1 April 2022
the Police Pension Scheme 2006 (PPS 2006, or NPPS (the New Police Pension Scheme)), which also closed to future accrual with effect from 1 April 2022
the Police Pension Scheme 2015 (PPS 2015), which came into effect on 1 April 2015

The PPS 1987 also applied to members of a police force in Scotland. The PPS 2006 did not, and a separate new scheme was established...

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Elizabeth Ovey

Radcliffe Chambers

Elizabeth has a general Chancery practice with particular emphasis on pensions (developing from the trust side of her practice) and on retail financial services (developing from an early specialisation in building society law). She also does a considerable amount of professional negligence work in these areas and other areas in which a Chancery background is of assistance.Her first substantial involvement in pensions law came when she was instructed in relation to a small miners’ pension scheme during the days of the miners’ strikes in the 1980s and she has done an increasing amount of pensions work since those days. She is a contributing editor of Halsbury’s Laws vol. 80 (Personal and Occupational Pensions) (2020). She is now on the Lexis PSL pensions section editorial board and is a contributor to Lexis PSL through a series of practice notes on various aspects of...

Web page updated on 21/05/2026

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