Planning for retirement

Types of retirement

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One size doesn’t fit all – and this is particularly true when it comes to your pension. You might want to retire early, or your circumstances might suddenly change.

Here’s a guide to some of the options available for ​Fund benefits (depending on eligibility).

Ill health retirement

You can apply for an incapacity pension if you have to leave work through ill health.

You might be eligible if:

  • you have been in the Fund for at least five years (including transferred-in membership)
  • you are under your normal retirement age; and
  • the ​Management Committee, having taken advice from a medical expert, agrees that you’re unable to perform the duties of a police officer due to a more than temporary medical condition.

If you’re under normal retirement age and return to work while claiming ill-health benefits, your pension may be reduced or suspended.

​Learn more in A Guide to Incapacity Benefits (with form).

Early retirement

If you’re keen to start your retirement sooner rather than later, you may be able to claim your benefits before you reach your normal retirement age.


  • your benefits will be reduced if you’re under your normal retirement age
  • you won’t be covered for the death-in-service lump sum once you take your benefits
  • you’ll no longer be eligible for ill-health benefits

Normal retirement age

If you're interested in taking your Fund benefits at your normal retirement age, you should ask your employer for an estimate and details about your options.

If you're considering any of the above options, you can request an estimate first from the Helpline on 0800 2343434 or email



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