What Happens to My Police Pension
if I’m Dismissed?
Dismissal, gross misconduct, the barred list and criminal conviction each affect a police pension differently. This guide sets out the actual rules for the 1987, 2006 and 2015 schemes, who decides forfeiture and what you can do.
Independent information, not advice · Sources checked 30 September 2026 · England and Wales
No. Being dismissed, even for gross misconduct, does not take away the police pension you have built up: you keep it as a deferred pension, or it may become payable, depending on your scheme, age and service. Forfeiture needs a criminal conviction, normally for an offence connected with police service that the Home Secretary certifies, and then your police and crime commissioner decides whether to forfeit, capped at 65%.
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What is your pension worth if you are dismissed, resign or retire?
The rules above tell you what is protected. The Police Pension Exit Report puts your own numbers on it for the 1987, 2006 or 2015 scheme: what you have built up, when each part can be paid, and what staying on longer would add. The headline figures are free and take about a minute.
- Free: your accrued pension and when it can be paid, whichever way you leave.
- Full report (£29.99, one payment): every outcome side by side, the dismissal and forfeiture rules for your scheme, lump sums and a printable checklist.
- Nothing you type is saved. The calculation runs in your browser. 14-day refund policy.
Estimates from the scheme rules and Government Actuary's Department factors. Not legal or financial advice about any case.
Dismissal and forfeiture are two separate things
People often run two different processes together. Dismissal ends your employment. It is an outcome of misconduct proceedings under the Police (Conduct) Regulations 2020 (or of the performance procedures). Forfeiture is a separate power in the pension scheme regulations to stop paying some of a pension after a criminal conviction.
A misconduct finding, even gross misconduct, is not a criminal conviction, and none of the three police pension schemes lets a pension be forfeited because of one. When a Member of the House of Lords asked in 2024 whether the Government would let pensions be considered for forfeiture after a gross misconduct dismissal, the Home Office answered that a pension “can only be forfeited” after a conviction for an offence connected with service, and that it had no plans to change this. The Home Office repeated in March 2026 that there are “no current plans” to amend the arrangements.
- What dismissal does: stops your pay and any further pension building up. What you have already earned stays yours, under your scheme’s normal leaver rules.
- What forfeiture needs: a criminal conviction, normally for an offence connected with police service that the Home Secretary certifies, then a decision by your police and crime commissioner (PCC) to forfeit, capped by case law at 65%.
- What neither changes: the contributions you paid yourself. The Home Office guidance says these cannot be forfeited.
An officer with 18 years’ service in the 2015 scheme, aged 44, is dismissed for gross misconduct and there is no criminal charge. Nothing is forfeited. They become a deferred member, and their pension is payable at their State Pension age, or earlier with a reduction. Had the same officer been convicted of a corruption offence committed through their role, the PCC could apply for a Home Secretary certificate, and only then consider forfeiting part of the pension.
What happens to your pension when you are dismissed, by scheme
Being dismissed is treated like any other way of leaving, with a few age-related exceptions written into the 1987 and 2006 schemes. What matters is your scheme, your age and your qualifying service on the day you go. If you have service in more than one scheme (for example because of the McCloud remedy), each part follows its own scheme’s rules.
| Scheme | Under 2 years' service | 2+ years, leaving younger | Older officers |
|---|---|---|---|
| 1987 scheme (SI 1987/257) | Refund of your own contributions, less tax (Home Office members’ guide, 4.10) | Deferred pension from 60; from 50 if you leave before 50 with 25 years’ service; earlier if permanently disabled from ordinary police duties (members’ guide, 4.9) | With 25+ years and able to retire on an ordinary pension that day: regulation B1(6), as originally made, gives an ordinary pension unless the dismissal is for a cause for which the pension could be forfeited under K5. Confirm the current wording with your administrator |
| 2006 scheme (SI 2006/3415) | Repayment of your aggregate contributions (regulations 17(3) and 34) | Deferred pension and lump sum payable at 65 (regulation 32); from 55 with an actuarial reduction (regulation 33); earlier if permanently disabled for any regular employment | Dismissed or required to resign at 55 or over with 2+ years: treated as voluntary retirement, so the pension is payable (regulation 17(2)) |
| 2015 scheme (SI 2015/445) | Refund of your own contributions, less tax (regulation 176) | Deferred pension payable at your State Pension age, not 60 (regulations 43, 91 and 94); earlier from normal minimum pension age with a reduction (regulations 91(4), 96 and 50); earlier on medical grounds if permanently unfit for any regular employment (regulation 91(3)) | At normal minimum pension age (currently 55) or over with 2+ years: you can claim your pension (regulation 90), reduced if taken before 60 (regulation 50) |
Two points people often get wrong. First, a 2015-scheme deferred pension is payable at your State Pension age, not at 60: 60 is the normal pension age only for members who retire from active service. Second, once you are dismissed you are no longer serving, so you cannot then be ill-health retired from the force; a deferred member can apply for early payment on medical grounds, but the test is stricter (in the 2015 scheme, permanently unfit for any regular employment). See our ill-health retirement guide.
legislation.gov.uk only holds the 1987 Regulations as originally made in 1987, not as amended. We have used the Home Office members’ guide for the current two-year and age 60/50 rules. Regulation B1(6), which gives some dismissed officers with 25 or more years an ordinary pension, is quoted from the original text; ask your administrator to confirm how the amended version applies to you.
Which pension rules apply to you?
Pick the scheme your service is in, your age and service when you leave, and whether there is a criminal conviction. This shows which regulation applies. It does not predict the outcome of any case.
- You become a deferred member (regulation 43). The pension becomes payable at your State Pension age, not at 60 (regulations 91(2) and 94).
- You can claim it earlier from normal minimum pension age, with a reduction measured from your State Pension age (regulations 91(4), 96 and 50), or at any age if a selected medical practitioner finds you permanently unfit for any regular employment (regulation 91(3)).
- If you had service between 2015 and 2022 you may also have legacy (1987 or 2006) benefits under the McCloud remedy. Check with your administrator.
- There is no forfeiture route. Forfeiture under regulation 211 of the 2015 Regulations needs a criminal conviction. A misconduct finding, dismissal, resignation or a place on the barred list is not, by itself, a ground.
- One 2015-scheme exception: the pension supervising authority can require benefits to be withheld or set off for money you owe the force or the scheme from a criminal, negligent or fraudulent act connected with your service, but only if the amount is undisputed or enforceable under a court order, and never more than the amount owed (regulations 213 and 214). No conviction is needed for this.
General information from the scheme regulations and Home Office guidance, not advice. If you have service in more than one scheme (for example after the McCloud remedy), each part follows its own scheme’s rules. Your pension administrator and your Federation representative can tell you how the rules apply to your own record.
The checker shows which rules apply to you. The Police Pension Exit Report works out what your own pension is worth in pounds if you resign, retire or are dismissed, when each part is paid, and what staying on would add. The headline figures are free.
When can a police pension be forfeited?
All three schemes have two routes. Both need a criminal conviction.
- National security offences. Official Secrets Acts offences for which you were sentenced on the same occasion to at least 10 years’ imprisonment (or consecutive terms adding up to 10 years). The 1987 and 2006 Regulations also list treason (with no minimum sentence); the 2015 Regulations do not list treason but, since 20 December 2023, include offences under section 18 of, or listed in section 33(3)(a) of, the National Security Act 2023 (SI 2023/1267). No Home Secretary certificate is needed on this route.
- An offence committed in connection with your service as a member of a police force, which the Secretary of State certifies either as “gravely injurious to the interests of the State” or as “liable to lead to serious loss of confidence”: in the public service under the 1987 and 2006 Regulations, and in “service by members of police forces in England and Wales” under regulation 211(5) of the 2015 Regulations. PCC procedures we read describe this second route as covering virtually all forfeiture decisions.
| Scheme | Regulation | Grounds | Limits and protections | Appeal |
|---|---|---|---|---|
| 1987 scheme | Regulation K5 | Treason; Official Secrets Acts offences with 10+ years’ imprisonment; or an offence connected with police service certified by the Secretary of State | The “secured portion” (linked to the old State graduated pension) can only be forfeited temporarily (K5(5)). Injury pensions are excluded from that protection | Crown Court (regulation H5) |
| 2006 scheme | Regulation 55 | Same two routes. Also applies to survivors’ pensions if the survivor is convicted of an offence committed after the officer’s death | Authority can apply forfeited amounts for survivors or restore them (55(5)) | Crown Court (regulation 66) |
| 2015 scheme | Part 13, Chapter 5 (regulations 210 to 217) | Official Secrets Acts offences with 10+ years (and some National Security Act 2023 offences from 20 December 2023), or a certified service-connected offence. Treason is not listed. Separate rule for a survivor who unlawfully killed the member (212) | Guaranteed minimum pension protected for service-connected offences (211(3)); forfeited amounts can be restored or paid for a survivor or child (211(4)) | Crown Court (regulation 216) |
| Injury awards | Police (Injury Benefit) Regulations 2006, regulation 40 | Same two routes, applied to injury pensions | As decided by the authority | See the injury benefit regulations |
The Home Office guidance lists some of the factors the Home Secretary takes into account when deciding whether to certify: how seriously the court viewed the offence (sentence and sentencing remarks), the circumstances, the officer’s seniority, publicity, and whether it involved an organised conspiracy among officers, active support for criminals, perverting the course of justice, betraying an important position of trust for personal gain, or corrupting junior officers. It also says forfeiture “will not be appropriate in every case” and that pension rights, once earned, “will only be forfeited in serious circumstances”.
Who decides, and the three stages
The force does not decide. In the 2015 scheme the decision-maker is called the pension supervising authority: the PCC for most forces, MOPAC for the Metropolitan Police and the Common Council for the City of London (regulation 210). The 1987 and 2006 texts say “police authority”, a role now held by the same local policing bodies. The Home Secretary’s only role is the certificate, and the Home Office has said it cannot seek or issue one unless the PCC applies.
| Stage | Who | What they decide | Your say |
|---|---|---|---|
| 1. Identify the case | Pension supervising authority (PCC; MOPAC in London; the Common Council for the City of London), with the force’s professional standards department | Decides whether the conviction was connected with police service and whether to apply for a certificate | Home Office guidance says you must be told of the application as soon as possible; PCC policies we read invite written submissions, usually within 28 days |
| 2. Certificate | Home Secretary, or a minister on their behalf | Decides whether the offence was gravely injurious to the interests of the State or liable to lead to a serious loss of confidence in the public service (1987 and 2006 schemes) or in service by members of police forces in England and Wales (2015 scheme) | Your submissions go with the application. The certificate can only be challenged by judicial review |
| 3. Forfeiture decision | Pension supervising authority | Decides whether to forfeit at all, what share (up to 65%) and for how long (temporary or permanent) | You can make representations. Appeal to the Crown Court; the guidance says notice within 21 days of being told |
If you intend to appeal against your conviction or sentence, the PCC policies we read say the forfeiture process is normally paused until the appeal is decided. A certificate does not oblige the PCC to forfeit anything: the Home Office has said so in its guidance and in Parliament.
How much can be taken, and what is protected
- Up to 65%. The regulations say “in whole or in part”, but the Home Office guidance says the courts have determined a pension may be forfeited by no more than 65%, the share treated as employer-funded, because an officer’s own contributions cannot be taken. The case it relies on is a 2007 Crown Court appeal under the 1987 scheme, reproduced in the guidance. There is no minimum.
- Temporary or permanent. The authority chooses the share and the period. It can later restore amounts to you, or apply them for a survivor or child.
- Guaranteed minimum pension. In the 2015 scheme, for service-connected offences the authority can only withhold the part above any guaranteed minimum pension (regulation 211(3)). In the 1987 scheme the “secured portion” can only be forfeited temporarily (K5(5)).
- Lump sums. PCC procedures we read state that a lump sum or a refund of contributions cannot be forfeited, and that if forfeiture is decided before a pension becomes payable, there is less pension left to commute.
- Survivors. Forfeiting your pension does not mean your survivors automatically lose theirs; the authority can direct forfeited amounts to them. A survivor’s own pension can only be forfeited for the survivor’s own conviction.
Can a retired police officer lose their pension?
Yes, if the conditions are met. Forfeiture applies to pensions already in payment and to deferred pensions, not just to serving officers. Two points from the Home Office guidance matter most here:
- The offence does not have to be committed while serving. Case law, summarised in the guidance, says an offence after retirement can still be “in connection with” service where the former officer used, for example, police knowledge, police systems or police contacts.
- An offence with no link to police service cannot lead to forfeiture by the certificate route, however serious it is (the national security route is the exception). Calls to widen this have been made publicly; the Home Office said in March 2026 it had no current plans to change the regulations.
A retired officer cannot be dismissed, but former officers can in some circumstances still face misconduct proceedings and be added to the barred list. That affects future work in policing, not the pension. See the barred list explained.
Gross misconduct, the barred list and resigning
Gross misconduct. A finding of gross misconduct (see gross misconduct explained) can lead to dismissal without notice, but it is not a ground for forfeiture in any scheme. The same conduct may also be a crime; it is only the conviction, if there is one, that can bring the forfeiture rules into play.
The barred list. Being placed on the College of Policing barred list stops you working in policing. It is not a forfeiture ground. The Home Office guidance does ask a PCC applying for a certificate to include any misconduct outcome and whether the person is on the barred list, so it can form part of the background to a conviction-based application.
Resigning. The forfeiture rules turn on a conviction, not on how you left, so resigning does not shield a pension from forfeiture if you are later convicted of a qualifying offence. Resigning also does not necessarily end the misconduct case: the Police (Conduct) Regulations 2020 (regulation 4 and Schedule 1) allow proceedings against former officers in some circumstances, which can lead to barred list inclusion. Read can I resign before a misconduct hearing? and speak to your Federation representative before you act.
2015 scheme: money owed to the force can be withheld without a conviction
This is the main exception to “no conviction, no loss”. Under regulations 213 and 214 of the 2015 Regulations, the pension supervising authority can require benefits to be withheld or set off where you owe money to the Crown or your employer that arose from your criminal, negligent or fraudulent act or omission connected with your service, or you caused a loss to the scheme in that way.
- The amount must be undisputed, or enforceable under a court order or arbitration award.
- No more than the amount owed (or the value of your benefits, if less) can be withheld.
- It cannot reduce the pension below any guaranteed minimum pension, and you must be told in writing of the proposal, with a right of appeal to the Crown Court.
We did not find an equivalent in the original text of the 1987 or 2006 Regulations. We could not confirm whether later amendments added one, so ask your administrator if this affects you.
Has the law on police pension forfeiture changed?
As at 30 September 2026, the core forfeiture test has not changed. What we checked:
- 2015 Regulations: the only change to the forfeiture chapter since 2020 we found on legislation.gov.uk is the addition of National Security Act 2023 offences from 20 December 2023.
- Public Service Pensions and Judicial Offices Act 2022: this is the McCloud remedy legislation. We searched its text; it contains no forfeiture provisions.
- Home Office guidance: published 11 February 2021 (replacing Home Office circular 018/2009) and updated on 28 March 2024.
- Ministers’ statements: written answers in May 2024 and March 2026 both said there were no plans to change the rules, including to allow forfeiture after gross misconduct or for convictions unconnected with service.
How often forfeiture happens is not published nationally. In 2022 the Home Office said it did not hold the number of police officers subject to forfeiture over the previous five years “in the format requested”, so we cannot give a figure.
Common myths
- “If you are sacked you lose your pension.” False. Dismissal is not a forfeiture ground in any police scheme.
- “The Home Secretary takes your pension.” The Home Secretary only certifies the offence. Your PCC decides whether to forfeit and how much.
- “Any conviction means forfeiture.” The Home Office guidance says a conviction will not automatically lead to a certificate, and a certificate does not oblige forfeiture.
- “They can take all of it.” The guidance says case law caps forfeiture at 65%.
- “Forfeiture always needs a Home Secretary certificate.” Not for the national security route (long Official Secrets Acts sentences, and treason in the older schemes). And in the 2015 scheme, money owed from criminal, negligent or fraudulent acts can be withheld without a conviction.
- “A 2015 deferred pension is paid at 60.” It is payable at State Pension age, or earlier with a reduction.
- “Resigning first protects your pension.” It makes no difference to forfeiture, which follows a conviction whenever it happens.
What to do and who to ask
- Get your pension record. Ask your pension administrator for a statement showing which scheme(s) your service is in, your qualifying service and your deferred benefits.
- Ask the right questions. Is my pension deferred or payable? From what age? What reduction applies if I take it early? Does B1(6) or regulation 17(2) apply to me? What happens to my McCloud remedy service?
- If there is a criminal case, get advice early. Your Federation or staff association representative and a solicitor can advise on the conviction, sentence and any later forfeiture representations. Written submissions to the PCC go to the Home Secretary with the application, so they matter.
- Watch the time limits. PCC policies we read give 28 days for written representations (extensions possible). The Home Office guidance says a Crown Court appeal notice should be lodged within 21 days of being told of the decision.
- Police staff are different. Staff are in the Local Government Pension Scheme (or, for Met staff, the Principal Civil Service Pension Scheme), which have their own forfeiture rules. This page covers officers.
What we could not verify
- The current, amended text of the 1987 and 2006 Regulations: legislation.gov.uk only publishes them as originally made. Where we rely on the original text (1987 regulation B1(6), 1987 regulation K5(5)), we say so.
- Whether the automatic lump sum in the 2006 scheme can be affected by a forfeiture decision taken before it is paid. PCC policies say a lump sum cannot be forfeited; we found no Home Office statement specific to the 2006 scheme.
- National numbers of forfeiture certificates or decisions: none are published, and the Home Office said in 2022 it did not hold them in that format.
- Individual published decisions: some authorities publish forfeiture decisions, but we could not open those pages to check them, and we do not discuss individual cases here.
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Frequently Asked Questions
Do you lose your police pension if you are sacked for gross misconduct?
No. Gross misconduct and dismissal are employment outcomes under the Police (Conduct) Regulations 2020. None of the three police pension schemes lets a pension be forfeited for a misconduct finding. You keep what you have built up as a deferred pension, or it becomes payable if your scheme, age and service allow. Forfeiture needs a criminal conviction (1987 regulation K5, 2006 regulation 55, 2015 regulation 211). The one exception is in the 2015 scheme, where undisputed or court-ordered money owed to the force from a criminal, negligent or fraudulent act can be withheld (regulation 213).
If you get sacked from the police do you lose your pension?
Not because of the sacking. With at least two years' qualifying service you keep a deferred pension (payable at 60 in the 1987 scheme, or 50 with at least 25 years' service, 65 in the 2006 scheme and State Pension age in the 2015 scheme, with earlier options). With under two years you get your own contributions back, less tax. Some older officers get an immediate pension: see the scheme table on this page.
What is police pension forfeiture?
A power in the scheme regulations for the pension supervising authority (usually the police and crime commissioner) to stop paying part of a pension, temporarily or permanently, after a criminal conviction. It needs either a national security conviction (Official Secrets Acts offences with at least 10 years' imprisonment, or treason in the 1987 and 2006 schemes), or an offence connected with police service that the Home Secretary certifies as gravely injurious to the State or liable to lead to a serious loss of confidence (in the public service under the 1987 and 2006 schemes; in service by members of police forces in England and Wales under the 2015 scheme, regulation 211(5)).
Can a retired police officer lose their pension?
Yes, a pension already in payment can be forfeited if the conditions are met. The Home Office guidance says the offence need not have been committed while serving: an offence after retirement can count as connected with service if, for example, police knowledge, systems or contacts were used. Without a qualifying conviction a retired officer's pension cannot be forfeited.
Who decides whether a police pension is forfeited?
Two people with different roles. The Home Secretary (or a minister) decides only whether to issue a certificate. The pension supervising authority, which is the police and crime commissioner (MOPAC in London, the Common Council for the City of London), decides whether to apply for one and, if it is issued, whether to forfeit and by how much. A certificate does not oblige the PCC to forfeit.
How much of a police pension can be forfeited?
The regulations allow forfeiture in whole or in part, but the Home Office guidance says the courts have capped it at 65%, the share treated as funded by the employer, because the officer's own contributions cannot fairly be taken. There is no minimum. Forfeiture can be temporary or permanent.
Does being on the barred list affect my pension?
Not directly. The barred list stops you working in policing, but it is not a ground for forfeiture in any of the scheme regulations. The Home Office guidance does ask authorities to mention barred list status and misconduct outcomes when they apply for a forfeiture certificate after a conviction, so it can form part of the background.
If I resign before a misconduct hearing, is my pension safer?
Resigning does not change the forfeiture rules, which depend on a criminal conviction, not on how you left. Whether you resign or are dismissed, your built-up pension is treated the same way under the 2015 scheme. Misconduct proceedings can in some circumstances continue against a former officer. See our guide on resigning before a hearing and speak to your Federation representative first.
Can I get my pension straight away if I am dismissed?
Sometimes. In the 2006 scheme, dismissal at 55 or over with two years' service is treated as retirement (regulation 17(2)). In the 2015 scheme you can claim from normal minimum pension age (currently 55), reduced if before 60 (regulations 90 and 50). In the 1987 scheme, regulation B1(6) as originally made gives an ordinary pension to a dismissed officer with 25+ years who could have retired that day, unless dismissed for a cause that could lead to forfeiture.
Can my lump sum be taken if my pension is forfeited?
Forfeiture applies to the pension. PCC forfeiture policies we read say a lump sum already paid cannot be forfeited, and that if a pension is forfeited before it becomes payable there will be less left to commute. We could not confirm how every scheme treats the automatic lump sum in the 2006 scheme, so ask your administrator.
Does forfeiture affect my husband, wife, partner or children?
The authority can use forfeited amounts for the benefit of a survivor or child, or restore them later (2006 regulation 55(5); 2015 regulation 211(4)). A survivor's own pension can only be forfeited for the survivor's own conviction. The Home Office guidance asks authorities to consider the effect on dependants.
Can a pension forfeiture decision be appealed?
Yes. The officer can appeal the authority's decision to the Crown Court (1987 regulation H5, 2006 regulation 66, 2015 regulation 216), including on whether the offence was connected with service and on the amount. The Home Office guidance says notice should be given within 21 days of being told, and the court can accept late appeals. The Home Secretary's certificate can only be challenged by judicial review.
Sources and how we checked them
Every rule on this page was written from the sources below, read on 30 September 2026. Regulations are listed first. Where we could not confirm something, the page says so. Spotted something out of date? See our corrections policy.
- The Police Pensions Regulations 2015 (SI 2015/445), Part 13 Chapter 5: forfeiture and set-off, regulations 210 to 217 (latest revised version) — Pension supervising authority, relevant offences, guaranteed minimum pension protection, National Security Act 2023 amendment (SI 2023/1267), money owed, Crown Court appeals.
- The Police Pensions Regulations 2015, regulations 43, 50, 90, 91, 94, 96 and 176 — Deferred membership, State Pension age for deferred members, early payment reduction, claiming at 55+, refund under two years.
- The Police Pension Regulations 2006 (SI 2006/3415), regulation 55 (forfeiture), as made — 2006 scheme forfeiture routes and restoration to survivors. legislation.gov.uk holds only the original text.
- The Police Pension Regulations 2006, regulations 17, 32, 33 and 34, as made — Dismissal at 55+ treated as retirement, deferred pension at 65, early payment from 55, repayment of contributions, two-year qualifying service criterion.
- The Police Pensions Regulations 1987 (SI 1987/257), regulation K5 (forfeiture), as made — 1987 forfeiture routes and the secured-portion limit. Only the original text is online, so later amendments are not shown.
- The Police Pensions Regulations 1987, regulations B1 and B5, as made — B1(6) ordinary pension for some dismissed officers with 25+ years; deferred pension rules (the original five-year threshold was later reduced to two, per the Home Office guide).
- Home Office, Police pension forfeiture guidance (published 11 February 2021, updated 28 March 2024) — The three stages, factors the Home Secretary considers, the 65% cap from case law, offences after retirement, appeals, barred list information in applications.
- Home Office, The Police Pension Scheme 1987 Members' Guide — Two-year qualifying service, deferred pension at 60 (or 50 with 25 years), refunds, forfeiture summary (section 13.1). Published 2006.
- The Police (Injury Benefit) Regulations 2006 (SI 2006/932), regulation 40, as made — Forfeiture of injury pensions on the same two routes.
- UK Parliament written answer 113461 (Home Office, Sarah Jones MP, 2 March 2026) — Forfeiture test, PCC decides, certificate does not oblige forfeiture, "no current plans to amend these regulatory arrangements". Read via the Parliament written questions API.
- UK Parliament written answer HL4400 (Home Office, Lord Sharpe of Epsom, 21 May 2024) — Question on forfeiture after gross misconduct dismissal; answer: only after a conviction connected with service, no plans to change.
- UK Parliament written answer 79356 (Home Office, 14 November 2022) — Home Office said the number of forfeitures over five years was "not held in the format requested".
- Avon and Somerset OPCC, Pension Forfeiture Procedure (September 2023 version) — A PCC's own procedure: lump sums and contribution refunds not forfeitable, deferred pensions, representations, appeals.
- Suffolk OPCC, Police Officer Pension Forfeiture Policy and Guide (1 October 2025) — Current PCC procedure: no forfeiture without a conviction, 28-day representations, stay while an appeal against conviction is pending.
- Public Service Pensions and Judicial Offices Act 2022 — Checked for forfeiture provisions: the Act (the McCloud remedy legislation) contains none.
On this topic elsewhere
Disclaimer
PolicePay.co.uk is an independent reference site, not a law firm, pension administrator or representative body, and is not affiliated with any force, PCC or the Home Office. This page is general information, not legal, pension or financial advice, and cannot consider your personal circumstances. Pension and forfeiture decisions turn on your own record and case: ask your pension administrator, your Police Federation or staff association representative, or a solicitor. Details apply to England and Wales and are as checked on 30 September 2026.