Police Pay
Injury and ill-health hub

Injury on Duty &
Ill-Health Retirement

Everything a police officer in England and Wales needs between an injury and a final decision: free injury award and ill-health retirement calculators, the appeal deadline tool, how the process runs, the four bands, what is actually paid, which route applies, and how to challenge a decision. Written from the regulations, with what varies by force marked as such.

Independent information, not advice · Sources checked 1 October 2026 · England and Wales unless stated

Short answer: what happens if you are injured on duty and cannot carry on?

Two separate decisions can follow. Ill-health retirement pays your pension early if a selected medical practitioner (SMP) finds you permanently unfit for police duties, whatever the cause. An injury award adds a gratuity and an injury pension after you leave, if the SMP finds a duty injury caused permanent disablement; the band depends on lost earning capacity. Each SMP decision can be appealed within 28 days of receiving the report (the authority can allow longer).

Start here: free calculators and tools

Three tools answer the questions most people arrive with: what an injury award pays, what an ill-health pension pays, and how long you have to appeal. They are free and need no account.

What the calculators can and cannot tell you

The injury award calculator applies the Schedule 3 percentages to your pay, service and scheme and shows the one-off gratuity, the minimum income guarantee, the three-quarters deduction for your police pension and the injury pension left, side by side for every band. The police ill-health retirement calculator shows the lower and upper tier pension (or the 2006 and 1987 equivalents) before and after tax. The percentages are the ones on this page, read from the regulations on 30 September 2026. Both are free; optional paid reports add further material.

  • Neither can tell you your band or tier. A selected medical practitioner (SMP) decides that.
  • The injury award calculator does not deduct industrial injuries benefit, reduced earnings allowance or ESA (Schedule 3 paragraph 7).
  • Pension figures are simplified. Your pension administrator's figure will differ, especially with service in more than one scheme.
  • Neither decides whether your injury happened in the execution of duty, or whether you are permanently disabled.

Guide map: every page, grouped by stage

Pick the group that matches where you are. Each line says what the page answers.

Federation first: who to talk to before you pay anyone

If you are a Police Federation member, start with your branch. The Police Federation of England and Wales says it assists members through the ill-health retirement process, has branch representatives trained in it, and represents members at Police Medical Appeal Boards. It also says this advice can be given at no cost to members, so ask what your branch offers before paying for advice. Funding for a solicitor is by application and decided case by case. Find your local Federation branch.

Other organisations that help officers in this position:

Checked on each organisation's own website on 7 October 2026. PolicePay is independent and has no link with any of them; we list them because they help officers in this situation.

From injury to award: how the process runs

The stages below are in the order they usually happen. Real cases overlap and some forces deal with the injury award at the same time as ill-health retirement while others deal with it afterwards. The regulations set who decides each question and a few time limits; most of the timetable is set by your force and the SMP's availability.

The process map (England and Wales police officers)
StageWhat happensWho decidesTime limit and guide
1. Injury and recordsYou are injured on duty (physically or psychologically). You report it and the force records it.You, your supervisor, force reporting systemNone set by the injury regulations. Step by step
2. Sick leave and recoverySick pay under Annex K, recuperative or adjusted duties, occupational health.Force; chief officer for any sick pay extensionFull pay 6 months then half pay 6 months in any one year (Annex K). Sick pay calculator
3. Referral to an SMPIf permanence is in question, the police pension authority refers medical questions to a selected medical practitioner (SMP).Police pension authority (the chief officer, usually acting through HR or pensions staff)No time limit in the regulations. SMP process
4. Ill-health retirement decisionSMP decides if you are permanently unfit; the authority decides whether to retire you or keep you serving.SMP (medical questions); authority (retire or retain)Appeal within 28 days of receiving the SMP report (the authority can allow longer). Ill-health retirement
5. Injury award questionsIs the disablement the result of an injury received in the execution of duty, and what is the degree of disablement?SMP; the authority makes the awardCan be decided with retirement or later. Which route?
6. Degree of disablement (band)Set by how far the duty injury has affected your earning capacity, using an earnings assessment.SMP, using information the authority suppliesEarnings assessment (PEAM)
7. PaymentOne-off gratuity plus an injury pension, less three-quarters of your police pension and some state benefits.Pension administrator for the authorityWorked examples
8. ChallengeMedical appeal board, reconsideration by agreement, Crown Court for non-medical refusals, judicial review.Board of medical referees; Crown Court; High CourtNotice within 28 days, grounds within a further 28. Appeals; deadline calculator
9. ReviewsThe injury pension is reviewed at suitable intervals; a lower-tier ill-health pension can also be reviewed before pension age.Authority starts it; SMP decidesRegulation 37 reviews

The single most useful thing you can do early is keep records: the injury report, notebook entries, medical notes, sickness records, occupational health letters and every SMP report. Decisions can come years later and are made on the records that exist.

The four bands, and what decides your band

The regulations speak of a "degree of disablement", a percentage, and Schedule 3 to the Police (Injury Benefit) Regulations 2006 groups it into four ranges: slight, minor, major and very severe disablement. "Band 1 to 4" is not a term in the regulations; it is shorthand used by forces and on this site for those four ranges. The percentages below come from our rules file, read from the regulations on 30 September 2026.

Schedule 3: gratuity and minimum income guarantee, as a percentage of average pensionable pay
BandLoss of earning capacityGratuityGuarantee: under 5 years5 to under 1515 to under 2525 or more
Band 1: slight disablement25% or less12.5%15%30%45%60%
Band 2: minor disablementmore than 25% but not more than 50%25%40%50%60%70%
Band 3: major disablementmore than 50% but not more than 75%37.5%65%70%75%80%
Band 4: very severe disablementmore than 75%50%85%85%85%85%

The band is not a measure of how serious the injury looks medically. Regulation 7(5) (regulation 7A(5) for 2015 scheme members, inserted by SI 2018/997) says the degree of disablement is decided "by reference to the degree to which [your] earning capacity has been affected" by the duty injury. In practice the SMP compares what you could earn without the injury with what you can earn with it. A very serious injury that still lets you do well-paid work can be band 1; a condition that stops you holding down any regular work can be band 4. The earnings assessment guide explains how that comparison is built and how to challenge it.

Two rules that surprise people
  • Even band 1 (slight) pays a gratuity and an injury pension, though the injury pension can be nil once your police pension is deducted (Schedule 3 paragraph 8).
  • Band 4 has the same 85% guarantee whatever your length of service. In the other bands, longer service lifts the guarantee.

The routes: injury award, ill-health retirement and the 12-month gratuity

Being injured on duty is an event. Ill-health retirement and an injury award are two separate decisions under two separate sets of regulations, and you can have one without the other. A third, rarer award (regulation 12) applies to total disablement within 12 months.

Routes when a duty injury ends a police career
RouteThe testWhat it paysService needed
Ill-health retirement, lower tier (2015 scheme)Permanently unfit for the ordinary duties of a police officer, whatever the causeYour accrued pension paid now, with no early payment reduction (reg 104(2))2 years' qualifying service, or unfitness caused by a duty injury (reg 102(2)(b))
Ill-health retirement, upper tier (2015 scheme)Also permanently unfit for any regular employmentLower tier pension plus an enhanced upper tier pension based on the years to normal pension age (reg 104(4)-(5))As above
Injury award (all schemes)Left the force and permanently disabled as a result of an injury received without your own default in the execution of dutyA gratuity and an injury pension under Schedule 3 to the Police (Injury Benefit) Regulations 2006No minimum service. Paid on top of any police pension, reduced by three-quarters of it
Disablement gratuity (regulation 12)Totally and permanently disabled (unable to earn any money in any employment) within 12 months of the duty injuryThe lesser of 5 times pensionable pay or four times 12 months' total remuneration plus contributionsSeparate award. On our reading of regs 22 and 23 it is reduced by any regulation 11 gratuity paid, and damages or compensation for the same disability can be set against it; we have not had that confirmed, so check with a solicitor
1987 and 2006 schemesEach has its own ill-health pension rules (1987: one ill-health award; 2006: standard pension plus an enhanced top-up)See the ill-health retirement guideThe injury award rules above are the same for all three schemes

The routes combine. An officer retired on the upper tier because of a duty injury can also receive an injury award; a bigger ill-health pension means a bigger deduction from the injury pension, and before tax a total that is bigger by only a quarter of the extra pension. After tax the gain is smaller, because the ill-health pension is taxable and the injury pension is tax-free (HMRC EIM75900): a higher-rate taxpayer can end up slightly worse off. The quarter rule also only holds while some injury pension is still being paid. The which-route guide works through the combinations with figures, before and after tax. The Home Office consulted in 2021 on whether the 12-month limit in regulation 12 treats slowly developing conditions, including mental health conditions, fairly. Its response of 22 April 2025 kept the rule and said it would gather further evidence first.

Optional, if you want your own figures written up: the reports below are preparation to take to your Federation rep or solicitor, not a substitute for them. Everything above stays free.

Facing medical retirement? Get all three reports

An injury award, an ill-health pension and leaving the service are often one decision. These three reports work out your own figures for each part, ready to take to your Federation representative or a solicitor.

  • Injury Award Report£39.99 alone, 6 months

    The paid tabs of the injury award calculator: earning capacity, SMP preparation, the medical appeal stages, inflation projections and unlimited AI questions.

  • Ill-Health Retirement Report£49.99 alone, 12 months

    Your ill-health pension estimate for your scheme, retiring on ill-health grounds against a deferred pension, SMP evidence, the appeal stages and AI questions.

  • Pension Exit Report£29.99 alone, 12 months

    Your pension if you resign, retire or are dismissed: what you keep, when it is paid, lump sums and what staying on would add. Printable.

£89.99one payment, instead of £119.97 separately (you save £29.98)

No subscription. Secure checkout by Stripe. 14-day refund, no reason needed: refund policy. Estimates and general information, not legal, medical or financial advice. If you are a Federation member, speak to your rep first: the Federation can support members through medical retirement and appeals.

Who decides what

Decision-makers under the injury and pension regulations
QuestionDecided bySource
Whether you are entitled to an award, and what awardThe police pension authority, in the first instancePIBR reg 30(1)
Whether you are disabled, whether it is permanent, whether it results from a duty injury, and the degree of disablementA selected medical practitioner (or a board of doctors the authority chooses)PIBR reg 30(2), (5)
Whether the injury was received without your own default (serious and culpable negligence or misconduct)The archived Home Office guidance treated this as a question for the police pension authority. Whether the authority or the SMP decides it is not settled in what we read; take advice if it is disputedPIBR reg 6(4); archived Home Office appeal guidance, section 4
Whether you brought about or substantially contributed to the disablement by your own default, so the award can be cut by up to halfSMPPIBR regs 30(4), 38
Whether you are permanently unfit for police duties or any regular employment (2015 scheme)SMPPPR 2015 regs 76, 81
Whether to retire you or require you to keep servingThe police pension authorityPPR 2015 reg 82
A medical appealA board of at least three doctors, one a specialist in a relevant conditionPIBR reg 31, Sch 6; PPR 2015 Sch 1
A refusal to admit a claim or pay a larger award, on non-medical groundsThe Crown Court, bound by final medical decisionsPIBR regs 34, 36

Regulation 30(6) makes the SMP's report final unless it is appealed or reconsidered, and regulation 30(7) says you must be given a copy. The High Court in Goodland (2020) described the SMP as appointed by, but otherwise independent of, the police pension authority. The SMP guide covers the process in detail.

Does your pension scheme change anything?

The injury award rules in the 2006 Injury Benefit Regulations apply to members of all three police pension schemes. SI 2018/997 extended them to the 2015 scheme with effect from 1 April 2015, adding a regulation 7A test of disablement for 2015 members (medically unfit within the meaning of the 2015 regulations) and using final pay as average pensionable pay. The ill-health pension, which is deducted from the injury pension, is different in each scheme:

  • 2015 scheme: a lower tier (accrued pension, no early payment reduction) and an enhanced upper tier for those permanently unfit for any regular employment. Two years' qualifying service is needed unless the unfitness results from a duty injury.
  • 2006 scheme: a standard ill-health pension and, for those unfit for any regular employment, an enhanced top-up.
  • 1987 scheme: one ill-health award set by length of service.

Officers with service in more than one scheme, including those affected by the McCloud remedy, should rely on the pension administrator's statement for the pension figure. See the ill-health retirement guide and McCloud remedy explained.

First steps, depending on where you are

Just injuredGet treated, report it the same day, make a notebook entry, ask for footage to be kept, tell your Federation or staff association rep. Step by step.
Off sick for monthsCheck when half pay starts and ask in writing about an extension before it does. Ask whether you have been referred to an SMP. Sick pay calculator.
Referred to an SMPFind out which questions were referred, attend every appointment, gather treating clinicians' evidence and keep a copy of everything. SMP process and the printable SMP appointment checklist.
Received an SMP reportDiary 28 days from the day you received it: the appeal deadline calculator works out the dates. Check the earnings assessment and the comparator jobs, and speak to your Federation rep. Appeals.
Already retired, never claimedAn injury award can be claimed after leaving, including years later. Tell the authority in writing. Which route?
Award being reviewedOnly a substantial change since the last decision can move your band, and age alone is not a reason to reduce it. Regulation 37 reviews and is it for life?
Who can help
  • Your Police Federation branch or staff association representative, while you serve; ask what your branch offers after you leave.
  • A solicitor who handles police injury pensions and medical appeals, for disputes about entitlement, banding or reviews.
  • Your force's pension administrator, for your pension and award figures.
  • Your GP and treating specialists, for the medical evidence; occupational health for fitness and adjustments.
  • Police Care UK and the services on our support directory, for confidential support.

What people get wrong

  • "Ill-health retirement means an injury award." Two separate decisions. A retirement for a condition not caused by duty carries no injury award.
  • "The band reflects how bad the injury is." It reflects lost earning capacity (regulation 7(5), or 7A(5) for 2015 scheme members).
  • "The injury pension is paid on top of my full pension." It is, but three-quarters of the pension is deducted from it first.
  • "I can get the award while I am still serving." The award is for a person who has left (regulation 11).
  • "I missed my chance because I retired years ago." The entitlement exists whether or not you claimed (Kelly, 2021). Where you left before becoming disabled, the pension runs from the date you became disabled (regulation 11(2)).
  • "The force decides my band." The SMP decides the degree of disablement; the force supplies information and makes the award.
  • "Mental health does not count." Injury includes injury or disease of mind (Schedule 1). See the PTSD guide.
  • "It is called an IQMP." In the police schemes the doctor is the selected medical practitioner (SMP).

What we could not verify

  • A consolidated current text of the injury regulations. legislation.gov.uk holds SI 2006/932 as made and lists later amendments as not applied. We read the amending instruments (SI 2011/3063, SI 2017/21, SI 2018/262, SI 2018/997) for the provisions quoted.
  • Current Home Office guidance on medical appeals. GOV.UK shows the Police Medical Appeal Board guidance as withdrawn on 1 September 2022, with the notice: "This guidance is out of date and has been archived. New guidance will be published in due course." We found no replacement as at 7 October 2026. Where this site cites the archived guidance, it is for background only.
  • National timescales and success rates. We found no national statistics on how long cases take or how often appeals succeed. Figures on this site come from individual force FOI responses and are labelled as such.
  • How each force runs its process. Forces differ on whether the injury award is considered with ill-health retirement or after it, who prepares the earnings assessment and which SMP provider they use.
  • Tax on your award. HMRC's manual says injury benefit can be paid tax-free; it does not settle any individual case.

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Quick answers

Frequently Asked Questions

What is a police injury award?

A payment to a former officer who is permanently disabled as a result of an injury received without their own default in the execution of duty (regulation 11, Police (Injury Benefit) Regulations 2006). It has two parts set by Schedule 3: a one-off gratuity and an injury pension. It is separate from ill-health retirement and covers officers in the 1987, 2006 and 2015 pension schemes.

What are the police injury award bands?

The regulations do not number bands. They set a degree of disablement, measured as a percentage loss of earning capacity, and Schedule 3 groups it into four ranges: slight (25% or less), minor (more than 25% up to 50%), major (more than 50% up to 75%) and very severe (more than 75%). Bands 1 to 4 is the common shorthand for those ranges. The band sets the gratuity (12.5% to 50% of average pensionable pay) and, with length of service, the minimum income guarantee (15% to 85%).

Is there a police injury on duty calculator?

Yes. Our free injury award calculator applies the Schedule 3 percentages to your pay, service, scheme and band and shows the gratuity, guarantee, three-quarters pension offset and injury pension. It cannot tell you your band, which an SMP decides, and it does not deduct industrial injuries benefit, ESA or tax.

Is there a police ill-health retirement calculator?

Yes. Our free ill-health retirement calculator shows the lower and upper tier pension in the 2015 scheme, the standard and enhanced pension in the 2006 scheme and the 1987 scheme ill-health pension, before and after tax. It cannot tell you which tier you will get: a selected medical practitioner decides that.

What is the difference between ill-health retirement and an injury award?

Ill-health retirement pays your pension early because you are permanently unfit for police duties, whatever the cause. An injury award is an extra payment, after you leave, if a duty injury caused permanent disablement. You can have either without the other, or both. Our which-route guide compares them.

Who decides my injury award band?

A selected medical practitioner (SMP) chosen by the police pension authority decides the degree of disablement (regulation 30(2)(d)), usually using an earnings assessment the force prepares. You can appeal to a board of medical referees within 28 days of receiving the report, or longer if the authority allows.

Can I get an injury award while still serving?

No. Regulation 11 applies to a person who ceases or has ceased to be a member of a police force. The medical questions can be considered while you serve, but the award is made after you leave. Where you retired because of the disablement, the Court of Appeal in Kelly (2021) held the injury pension is payable from retirement.

Is an injury award paid on top of my police pension?

Yes, but the injury pension is reduced by three-quarters of your police pension (Schedule 3 paragraph 6), so your total is the guarantee plus a quarter of your pension. It is also reduced by certain state benefits paid for the same injury (paragraph 7). These deductions do not reduce the gratuity.

How long does police medical retirement take?

No regulation sets an overall time limit. The fixed points are the 28-day appeal windows and the appeal board's notice periods. One force's FOI response (Greater Manchester Police, March 2025) listed injury award claims taking between 2 and 26 months. Our timescales guide explains what slows cases down.

Does PTSD count as an injury on duty?

It can. The injury benefit regulations define injury as including any injury or disease, whether of body or of mind, and the 2015 pension regulations define infirmity to include a mental disorder. The SMP still has to find permanent disablement caused or substantially contributed to by an injury received in the execution of duty.

Is a police injury pension taxable?

HMRC's Employment Income Manual (EIM75900) says payments from injury benefit schemes such as those for police can be paid tax-free, while the ordinary or ill-health pension is taxable. It does not settle how any individual award is treated, so check with the pension administrator or HMRC.

Can an injury award be reduced later?

The injury pension can be revised up or down under regulation 37 if an SMP finds your degree of disablement has substantially altered since the last decision. A review cannot reopen whether the injury happened on duty.

Is this advice on my case?

No. It explains the regulations and the options. Your Police Federation or staff association representative, a solicitor who handles police pensions, and the pension administrator can advise on your own case and figures.

Evidence

Sources and how we checked them

Every factual claim on this page was written from the sources below, read on 1 October 2026. Rules and figures change, so check the source for the date you are reading this. Where we could not confirm something from an official or independent source, the page says so rather than guessing. Spotted something out of date? See our corrections policy.

  1. Police (Injury Benefit) Regulations 2006 (SI 2006/932), as made (legislation.gov.uk) — regs 6 to 8 (execution of duty, disablement, causation), 11 and 12 (awards), 30 to 37 (medical questions, appeals, reviews), 43 (payment), Schedules 1, 3 and 6. legislation.gov.uk lists later amendments as not yet applied, so we read the amending instruments too (accessed 1 October 2026)
  2. Police (Injury Benefit) Regulations 2006 (SI 2006/932), regulations 6 to 14 and 17, Schedule 3 (police officer's injury award) — gratuity and minimum income guarantee table, three-quarters pension offset (para 6), benefit offsets (para 7); percentages held in our rules file, checked 30 September 2026 (accessed 1 October 2026)
  3. The Police and Firefighters' Pensions (Amendment) Regulations 2018 (SI 2018/997), regulations 6 to 22 — extends the injury benefit rules to 2015 scheme members (final pay as average pensionable pay, reg 7A disablement test, Schedule 3 changes), effective from 1 April 2015 (accessed 1 October 2026)
  4. Police Pensions (Amendment) Regulations 2011 (SI 2011/3063) — 'police authority' replaced by 'police pension authority' in the injury regulations (accessed 1 October 2026)
  5. Police Pensions Regulations 2015 (SI 2015/445), Part 6 and regulations 101 to 119 (revised text, legislation.gov.uk) — medical unfitness and infirmity (reg 74), SMP decision (reg 76), referral and retirement (regs 81, 82), tiers (reg 101), entitlement (reg 102), amounts (reg 104), reviews (regs 110 to 119) (accessed 1 October 2026)
  6. Police Pensions Regulations 2015, Schedule 1 (medical appeals and reconsideration) — 28-day appeal, appeal board of at least three doctors, notice and evidence periods, costs (accessed 1 October 2026)
  7. Annex K determination text (copy hosted by Police Federation, West Midlands) — sick pay: six months full pay then six months half pay in any year, chief officer discretion (accessed 1 October 2026)
  8. R (Chief Constable of South Yorkshire Police) v Kelly [2021] EWCA Civ 1699 (National Archives) — entitlement exists without a claim; injury pension payable from retirement; Crown Court can award interest (accessed 1 October 2026)
  9. Metropolitan Police Authority v Laws [2010] EWCA Civ 1099 (National Archives) — on review the earlier decision is a given; earning capacity can change with new skills (accessed 1 October 2026)
  10. R (Goodland) v Chief Constable of Staffordshire Police [2020] EWHC 2477 (Admin) (National Archives) — SMP appointed by but independent of the authority; how the earnings comparison is done in practice; reviews (accessed 1 October 2026)
  11. Greater Manchester Police FOI 01/FOI/25/014281/L (21 March 2025), with the Police Officer Injury Award HR Toolkit — claims, outcomes, band split and processing times for one force; how the earnings assessment is prepared (accessed 1 October 2026)
  12. HMRC Employment Income Manual EIM75900 (injury benefit schemes, including police and firefighters) — injury benefit payments 'can be paid tax-free'; the ill-health pension is taxable (accessed 1 October 2026)
  13. Evans and Ashcroft v Chief Constable of South Wales Police [2018] EWCA Civ 2107 (National Archives) — how the Schedule 3 deductions work; injury pension uprated in line with other police pensions (accessed 1 October 2026)
  14. GOV.UK: Police Medical Appeal Board guidance (withdrawn 1 September 2022) — withdrawal notice: 'out of date and has been archived'; new guidance 'in due course'. No replacement found when rechecked on 7 October 2026 (accessed 1 October 2026)
  15. Home Office: the 12-month rule in regulation 12, government response (22 April 2025) — rule kept; further evidence-gathering planned (accessed 1 October 2026)
Injury and ill-health

More in this guide series

Injury award What counts as injury on duty On duty, travelling to or from duty, or hurt because you were known to be police. Injury award SMP process Who refers, what the SMP decides, what to expect and what you can challenge. Injury award PEAM explained How the notional earnings figure drives the degree of disablement. Injury award Worked examples Gratuity and injury pension for each band, calculated step by step. Injury award PTSD: awards and payouts How PTSD is treated for injury awards and ill-health retirement, with figures. Ill-health Which route? How the two routes differ, overlap and combine. Ill-health Lower vs upper tier Unfit for police duties, or for any regular work: what each tier pays. Ill-health The ordinary duties test The full range of police duties, not just your current role, and what permanent means. Ill-health Payouts by scheme The formula in each scheme, with worked examples. Ill-health Anxiety, depression, stress How mental ill health is assessed for retirement and injury awards. Timescales How long it takes Stages, the time limits that exist and what slows things down. Appeals Appeals Medical appeal boards, time limits, reconsideration and court routes. Reviews For life? Age 65 and reviews Payable for life; age alone is not a reason to reduce it. Money Is it tax-free? The injury pension can be paid tax-free; the ill-health pension is taxed. Money Deductions: IIDB and ESA What is deducted from an injury pension and why. Money DWP benefits: UC, PIP, ESA What is deducted, what is not, and how DWP counts the pension. Family Survivors and dependants Special pensions and gratuities when death results from a duty injury. Scotland Police Scotland The 2007 Scottish regulations, the SPA, SPPA and appeals to the sheriff. N. Ireland PSNI (Northern Ireland) The NI regulations, the Policing Board and Independent Medical Referees.
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Disclaimer

PolicePay.co.uk is an independent reference site. This page is general information, not legal, medical or financial advice, and the outcome of any injury award or ill-health retirement decision turns on the medical evidence and the facts of the individual case. Decisions are made by the police pension authority, selected medical practitioners and appeal boards, and the regulations are amended from time to time. Speak to your Police Federation representative or a solicitor about your own case, and your pension administrator about your figures. If you are struggling, speak to your GP or one of the services listed on our support directory; if you or someone else is in immediate danger, call 999. Details apply to England and Wales unless stated. Details are as checked on 1 October 2026.