Police pension transfer into Army

#1
Has anyone on here joined up after serving as civ police? I'm looking to join and have 10 years pension saved up - can anyone give me a clue what that would equate to from their experience, or even whether it's transferrable?

Theres plenty of info about Army to Police pension, but nothing the other way around...

Any useful info would be appreciated.
 

CanteenCowboy

LE
Book Reviewer
#2
Has anyone on here joined up after serving as civ police? I'm looking to join and have 10 years pension saved up - can anyone give me a clue what that would equate to from their experience, or even whether it's transferrable?

Theres plenty of info about Army to Police pension, but nothing the other way around...

Any useful info would be appreciated.
Are you mad??? Sorry I couldn't resist that, I have only heard of one (in 24 yrs, but I 'm in the Inf), and as far as I know he was only "marking time" in the Police until he could pass AOSB.

Maybe some people from the Armed Forces Pension Society could be best placed to answer your questions.

But best of luck anyway.
 
#3
Not quite what you're looking for, but if it is transferable you'll be quids in, because it's such a large chunk of police salary. Mate left plod after 12 years (age 32), became a railway driver (good £££'s), the rail pension people said the transfer was more than a railwayman could put into a pension in his entire working life, and he need not pay any more in. Here's the rub though - albeit he was now oversubscribed in the new pension, the rules forbade refunding him the difference. It's certainly a complicated subject.
 
#4
Am I mad? Probably, but the axe is about to fall very heavily on me care of Windsor/May... I'm facing the prospect of having to work another 30 years with no prospect of further promotion to get my pension at 60. If I live that long!!

Basically, if the pension works out ok, I'll be better off in the long run joining and taking the pay cut for a few years...
 
#5
6 yrs service plus 4 years from previous pension scheme. Missed this increment by 24 hours (great idea to join on second day of the financial year)

Ospre qualified to Sgt last year and now promotion boards are shutting down for the foreseeable..... So not even any acting available.
 
#6
Seeing as you put it that way...!

There are pros and cons to leaving/staying, just a big call to make for the greater good (no spooky repetitions please...) and unfortunately the financial side is the biggest dictator.

In hindsight, should've joined straight out of school all those years ago instead of convincing myself I knew it all!!
 
#7
6 yrs service plus 4 years from previous pension scheme. Missed this increment by 24 hours (great idea to join on second day of the financial year)

Ospre qualified to Sgt last year and now promotion boards are shutting down for the foreseeable..... So not even any acting available.
Sit tight and watch the new National Crime Agency?

T&Cs are hardly going to be worse than plod. If you're not in London, you might be on an increase.
 
#8
What about a career break, civvy job/study and TA to give you a taster, that way you're not burning any bridges is that sort of thing an option, I think career breaks need to be justified IIRC?
Yes, you cannot use it to take another paying job I believe though.

Tell them you're off on Hajj, no one will have the balls to turn you down for fear of a grievance.
 
#9
I've done both. Life in green was great when I had the body and lifestyle of a young man. Plod suits me much better now I'm a little less concerned with my BFT time and not being separated from the missus and kids for six months every couple of years. Winsor (if all recommendations are implemented) is indeed a shit sandwich. You're a long time dead between now and sixty though. If the pension is your concern, look at other options. Property perhaps? I know at least a few guys I work with who are considering money saved by withdrawing from the pension scheme would pay off a second mortgage before they retire. As for your original query, I have no idea.
 
#10
How does it work at the exit end? I would assume you can't draw a pension until you've given 22 to the Army. So presumably you would get the pension of a 34 year man. I think the max is only 37, so you'd gain nothing from serving beyond 25 yrs, if that option were open to you, or you get an LE commission or something.

I tired something similar when I was in. I joined at 22, so tried to buy the 4 years I missed since 18. Also, as a Band III (as it was then) junior, I should have been able to make AVCs to make my pension representative of my salary, not that of a Band I. I also had the 4 years in a private pension, could I transfer that in? The RAO just didn't want to know, it was too much like hard work. You may find the same. I'd get it agreed in writing what you can and can't do before you join, if you do. If (as I suspect) that's too much like hard work for the Recruiter, hang about outside the office and dish out tickets for trumped up offences like a mofo until he plays the game :)
The idea is, in theory, that I can get 22 in with the intention of going for LE. Recruiters said all sorts about 'fast-track' etc when they heard qualifications/experience but that kind if thing I'll believe when I see it.
 
#11
What about a career break, civvy job/study and TA to give you a taster, that way you're not burning any bridges is that sort of thing an option, I think career breaks need to be justified IIRC?
Have looked into TA, but again the job conflicts - will need permission from my force to apply (effectively ending my hopes of ever getting another course!) and they won't authorise the leave I need to commit to it... All or nothing it seems!

Career break wouldn't work - I couldn't really class Pirbright as 'travelling'!!
 
#13
Have looked into TA, but again the job conflicts - will need permission from my force to apply (effectively ending my hopes of ever getting another course!) and they won't authorise the leave I need to commit to it... All or nothing it seems!

Career break wouldn't work - I couldn't really class Pirbright as 'travelling'!!
Huge decisions before you. I'm married to a copper who will be in London on 10th complete with placard so I understand the changes coming to the Police. However, be aware we military also have changes coming with a new pension due on or around 1 Apr 15. To date there are no firm details on what shape this will look like, but I guarantee it won't be anything as good as 75 or 05 Pensions. We may have to work longer, be unable to draw it until old age etc etc. What I'm getting at is that if your moving just for pension think long and hard. If your moving for career, the excitement etc etc be aware we are out of AFG by NLT the end of 2014 perhaps earlier and for those who have served during a training Army, be prepared for an unexciting life. Add to this a drop in wages, until at least Cpl and it should take you at least 5-6 years to get there if your quick.

Don't wish to sound pessimistic, your choices I know, but please go in eyes wide open and perhaps ignore the smoke being blown up your arse by the recruiters.
 
#14
Military pension schemes are also being changed into ? (yet to be announced) from Apr 2015 but I think an obvious given is the immediate pension point at 16/22 years is a thing of the past.

You can buy into the military pension scheme using your existing pension years and SPVA (the pensions people) will work out what your current pension pot is worth in terms of Army years, and this has to be within the 1st year of joining. Jumping ship for pension purposes may not be the best thing to do at present.
 
#16
You know, I quite admire your intent, it's a better plan than sitting tight and passively waiting for things to happen, just don't base the decision on finance or pension alone. I think there's well over 300 qualified for promotion where I am, and no movement likely for quite some time. There's a lot of life to be lived, do it happily. Good luck. MK.
 
#17
Thanks! Quite right, I'm still too young and energetic to sit and fester in a big bowl of cynicism!

Going to go for it. Had some really helpful advice on the thread and via PM, so thanks everyone - I'm off to crunch the numbers.... And I'd better knock out another mile and half too.....


The problem with Internet quotes is that their accuracy can't be trusted - Winston Churchill
 
E

EScotia

Guest
#18
Thanks! Quite right, I'm still too young and energetic to sit and fester in a big bowl of cynicism!

Going to go for it. Had some really helpful advice on the thread and via PM, so thanks everyone - I'm off to crunch the numbers.... And I'd better knock out another mile and half too.....


The problem with Internet quotes is that their accuracy can't be trusted - Winston Churchill
The problem with that quote was it was from a politician, they can't be trusted!
 
#19
Has anyone on here joined up after serving as civ police? I'm looking to join and have 10 years pension saved up - can anyone give me a clue what that would equate to from their experience, or even whether it's transferrable?

Theres plenty of info about Army to Police pension, but nothing the other way around...

Any useful info would be appreciated.
You will have to ask the Police scheme for a transfer value and ask SPVA what it will buy in AFPS. Just asking does not commit you to the transfer.
 
C

CivPlod

Guest
#20
PnGu

If its any help, I went to leave the police and had a Commission secured(why did I listen to my wife and not take it) about 8 years ago when I had just under 5 years service,
I was told that would equate to about 7 years worth.

As an aside I read EScotias link and this bit throws me(as we are all in the same boat more or less):

For the majority of pension schemes the member's Normal Pension Age should be aligned to the State Pension Age (currently 65 and rising), but for the Armed Forces the Normal Pension Age should move from 55 to 60 in order to reflect the unique characteristics of their service.

Does this mean new entrants will still compete a 22 year career, retire at say 40( having secured their pension) if they were 18 on attesting, but not be able to claim it til 60?

My 30 is in when I'm 50 and I'm fucked if I'm working an extra 10 years in response or any other part.
 

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