NARPO – The voice of retired police officers
NARPO – The voice of retired police officers

Contracting Out And Pension Contributions

As police officers only paid class 2 NI contributions as they were contracted out they may not have the required 35 years to qualify for the full STSP. To ascertain how many years contributions you have to qualify under the STSP please use the details below. They will not tell you over the phone and […]

GMP Equalisation

When the State Earnings Related Pension Scheme (SERPS) was introduced in April 1978, it was possible to contract-out of it into an occupational pension scheme. A condition of it being used to contract-out was that the scheme provided a defined benefit (known as a GMP). The requirement to provide a GMP was removed from April 1997 […]

State Pension if you’ve lived in Australia, Canada or New Zealand

The government intends to change the rules on how the UK State Pension is calculated if you move to live in the EU, EEA or Switzerland and you have previously lived in: Australia, before 1 March 2001 Canada New Zealand This is because the UK has left the EU. From 1 January 2022, you will no longer […]

Wellbeing and support when someone dies

The following information and online support resources have been collated into one place to assist Local Branches, Welfare Contacts and Members with wellbeing and support when someone dies. England – What to do when someone dies: step by step Wales – What to do when someone dies: step by step    Coronavirus In the current […]

New State Pension and Contracting Out

As Police Officers you were ‘contracted out’ of the State Second Pension and only paid class 2 NI contributions. As a result you may not have the required 35 years to qualify for the New State Pension. Use the links below for new Single Tier State Pension information: Your State Pension Statement Explained Check your State […]

Government table sets out differences between marriage and civil partnership

The Government Equalities Office (GEO) has published a table that sets out the similarities and differences between marriage and civil partnership in England and Wales. The GEO table applies to same-sex and opposite-sex couples and, among other things includes information on pensions relating to: • State Pensions for married couples and civil partners • State […]

Women Against State Pension Inequality

​We are a campaign group that fights the injustice done to women born in the 1950s (on or after 6 April 1951) regarding the changes to their state pension age. The 1995 Conservative Government’s Pension Act included plans to increase women’s SPA (State Pension Age) to 65, the same as men’s. WASPI agrees with equalisation, but […]

Frozen Overseas Pensions

The UK State Pension is payable overseas only uprated annually if the individual is resident in an EEA country or one with which the UK has a reciprocal social security agreement requiring this. UK pensioners in other countries – most notably Australia, Canada, New Zealand and South Africa – have their pension frozen i.e. paid […]

Reduction of Police Pension Upon Receipt of State Pension

We are often asked why the Police Pension reduces when a member starts receiving their State Pension. Please use the link below to view the explanation. Modification of Police Pension How pension increases work Police pension increases and state pension Taxation On State Pension What Is Contracting Out? How Do You Get NI Credits HMRC […]