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Everything posted by Yorkshire

  1. Could anyone please help me answer a question from a work colleague? One of the officers I work with has 20yrs service, and has always paid into the police pension. He as accrued a number of years in the 1987 scheme which is now locked away, and he is now paying into the 2015 CARE scheme. He is planing on retiring in 5yrs time when he is age 50 and with 25yrs service. He can then draw a reduced pension from the 1987 scheme, and then when he is aged 55 he can draw a reduced pension from the 2015 CARE scheme if he chooses. However, he is now considering a 5yr career break. So, If he took this career break he would have 25yrs service at the end of it. But I think the career break would prevent him from retiring at 25yrs service. He wouldn't be paying into any police pension during the career break and I think this would prevent him from retiring at 25yrs. Im of the belief that to retire at 25yrs service he must remain paying into the current 2015 CARE pension. Am I correct?
  2. 2015 CARE Pension & career breaks?

    I assume if he went part time for the next 5 yrs but remained in the 2015 CARE pension then he could still retire after 25yrs service, and draw a pension from his 1987 scheme?
  3. 2015 CARE Pension & career breaks?

    Thanks cheese_puff, much appreciated.
  4. Paying into Police pension

    Isn't it possible to just stop paying into the pension? Or must you remain in the pension scheme? Each to their own, but cops remaining at work when they could be getting their pension has always baffled me. They are effectively working for next to nothing, seeing as they could be receiving a nice pension for not working. Ok, its a reduced income but then you have to consider you aren't paying into your pension anymore, which boosts it back up to something similar to your current wage. The only way I would keep working for the police after qualifying for retirement is by retiring and then returning to work as civilian staff, that way you get your pension and your salary.
  5. Mental health, where next?

    golden retriever, I too have suffered with depression/anxiety mainly caused by work. It took me about 2 years to admit to myself that I had a problem. My wife recognised it though and made me a doctors appointment without me knowing. One day when we were out in the car she pulled into my doctors surgery car park and when I asked her why, she said she had made me an appointment. She knew I would never have made an appointment myself. Thats when I knew I had a problem. The doctor was great, and prescribed me Fluoxetine which really helped (after a few weeks). This, combined with other events (certain staff leaving my team, changes in my work & personal life) helped me get back on my feet. Sounds like you were braver than me, as you took time off sick (and rightly so) whereas I daren't due to the perceived stigma attached to the illness. Looking back I should have taken a few months off.
  6. Its already being discussed here
  7. Hillsborough Verdict

    I feel its now more about vengeance than justice. The public have a thirst for blood, and the government want to give it to them to appease them. The country will not rest until people are convicted and perhaps imprisoned. Yet I do wonder how a jury can be found that can be unbiased, and not have knowledge of the disaster, and not have been influenced by media etc. I wonder if this will prevent any court case going ahead, or be grounds for appeal?
  8. Police Driving / Emergency Responding

    Ive discussed this topic with my shift at briefings, none of the other cops seem to fully appreciate the gravity of this issue, with most claiming that 'Oh, we will be ok because we are doing our job, and have exemptions'. I can't get through to some of them that its not about exemptions, and that simply moving over into the opposite carriageway to increase your view of the road ahead could be considered to be dangerous and below the standard of a careful and competent driver. The fact we have been trained to do this is no longer a defence. So in the wrong circumstances we could face prosecution. Sadly its no longer about getting to the scene promptly because 'its our job to do so'. Its now about getting to the end of your shift without facing being prosecuted at court. Yet another example of us having to cover our own arses. its matters like this that build up and grind you down over the years. We join the job to help others and do the right thing, but end up being demoralised.
  9. Police Driving / Emergency Responding

    Zulu, the game had changed considerably in the years since your retirement. I too can remember the days of numerous police cars rushing to the same incident, each trying to get there first. But that hardly happens anymore. Most of the time where I work only one car attends an incident as there are no other cars available. And when I respond to an incident I'm usually always single crewed, and the only officer attending. Before responding I have to open up the incident on my work phone and read it, then drive to the scene whilst listening and replying to my radio. Then, on arrival I have to open up the incident again to read the updates before getting out of my car. This is because radio transmissions cost the force money, and we are discouraged from using it, but reading it from a phone doesn't. So the chances of me getting there quickly are slim as I have to do all that whilst still responding, increasing the risk of mistakes. So I choose to drive carefully instead and within the speed limits, often turning off the lights and sirens when approaching a red traffic light, to minimise the risk further. Taking the Queens shilling is mostly viewed as being irrelevant nowadays. No incident is worth an accident as you correctly say, nor is any incident worth me loosing my job.
  10. Police Driving / Emergency Responding

    Theres nothing particularly new in this news. I've been bleating on for years about the risks of prosecution for police drivers, particularly when responding or in pursuits. Cops seem to think they have immunity as soon as they put their blue lights on. I recognised the risks to officers years ago, but Ive been regularly criticised by colleagues for refusing to speed when responding, and for not 'keeping up' in pursuits. Ive even been told off by my Sgts for responding too slowly to incidents, by not speeding. Ive always shrugged them off, knowing I'm at risk of prosecution if I do. Ive never felt protected when behind the wheel of a police car. I don't think I've ever arrived at an incident and thought 'thank God I got here as fast as I could'. It would seem the IPCC have finally caught up with my realistic fears. The first priority in policing is to look after yourself, as nobody else is going to.
  11. Damage Caused By 'Big Red Key'

    I remember being guided to the door of a house by a local cop whilst executing a warrant, I forced the door through and a full team ran into the house. I ran into the living room and it was clearly an old persons house, and not the address we wanted. An old woman was sat in the living room having her hair cut by a neighbour. We all ran inside, said sorry, and ran straight back out again. The local cop looked again at the warrant, and we ran next door and entered the correct house. Our Sgt remained in the wrong house to sort the mess out, appologise, and the old woman got a new front door paid for. Fun times. And that was just one of many
  12. lifting of pension cap

    Not quite, they offered Voluntary Redundancy, but I have no knowledge of them lifting the pension cap. They paid 1 x months salary for each year of service, tax free. They state they are introducing a second and third phase of VR soon. Im hoping they might eventually offer an enhanced VR.
  13. Start arming UK police?

    Theres been a recent push in my force to single crew officers, even taser officers. I wouldn't want to be single crewed with a firearm attending routine incidents. It only takes a second to be overpowered and then you have someone pointing your own firearm at you. No thanks.
  14. Start arming UK police?

    Also, if all cops were to be armed, how would they deal with public order? Currently our firearms cops aren't supposed to get involved in public order incase they are overpowered and have their firearm taken from them.
  15. Start arming UK police?

    So to those who think that cops should be armed, what would happen to those serving cops who don't pass the firearms course, or can't shoot accurately on the range? Are they to be disciplined and eventually dismissed?
  16. COMPULSORY SEVERANCE: The mother lode

    Its certainly not a vocation any more. Theres no sense of belonging to a group or family, or of being part of an organisation that wants you. As for the government, theres a real feeling of them hating us. Its very sad, the job has been ground down to its basic parts, by that I mean I now go to work and look forward to going home. It didn't used to be that way but its now just a job like any other, with no feeling of being proud or wanting to go the extra mile. Theres an occasional taste now and again of how it used to be, but those times are few and far between. Ive gone from being in a job I loved, to wanting to leave at the earliest pension point. VR doesn't work for me just yet, and I'm too close to the early 25yr pension for it to be worthwhile.
  17. Medical retirement advice please

    ALWAYS submit injury on duty forms prior to finishing duty. Hardly anyone does, but in my opinion they are the most important forms that you will ever submit.
  18. COMPULSORY SEVERANCE: The mother lode

    The first round of VS applicants have now left my force. Rumours are that the second round will be following soon. Im hoping they don't get enough applicants and they then enhance round 3. Certain officers had their applications rejected due to being in a department where the force doesn't want to loose staff, such as CID, TSG, Firearms etc. Seems the best place to be if you want VS is on the beat. Any cop still under a disciplinary was also rejected, though some appealed and won.
  19. I understand why some cops come out of the pension, but the amount you see disappearing from your wage into your pension isn't the amount you would get if you stopped paying in.
  20. I know of quite a few officers who have recently opted out of the pension scheme. I also know of a few new officers who never signed up to it in the first place. Personal circumstances dictate, though I'd always advise to be in the pension.
  21. Going part time?

    Could anyone please offer their opinion on how going part time might affect my pension? I joined in 1998 and I was on the 1987 scheme until moving to the 2015 CARE scheme along with everyone else. In about 5 yrs time I can retire early at age 50 and take the 25yrs service pension, as long as I stay in the current new scheme. But if I decided to go part time for my last few years would this have any effect on my 1987 pension that is supposed to be locked away safe? Or would it just affect my 2015 CARE pension? Thanks.
  22. Resignation !!

    cheese_puff, does it need to be 25 yrs actual service or 25 yrs pensionable service? If I had 1 yrs pensionable service brought in from a previous employment could I leave after 24 yrs?
  23. Resignation !!

    Take cheese's advice over mine, as the little I know has been learnt from him. I assumed you had to stay until you were age 50 to get the 25yr service pension, so I stand corrected. I didn't realise you could leave before age 50, nor did I realise that any 25 yr pension would then kick in when you did get to 50. I incorrectly assumed you had to have done 25 yrs service and be at least age 50 before you retired, to claim it. Part time is better than it sounds. If you reduced your hours by half, your pay doesnt drop by half, you end up with more than half pay. This is because the first £11,000 (I think) of income is tax free. So you will get just over half pay for doing half the hours. Someone I know had reduced their hours by half, and their take home pay dropped from just under £2,000 /month to about £1,300/month. Worth considering. But seek advice from Federation and pension dept to clarify this, and how it might effect your pension. As for Voluntary Redundancy, my force has just introduced it for PC's only at one months pay for every year of service, but your pension is deferred until age 60. They have just done Phase 1 where they wanted 100 to take voluntary redundancy. They received 150 applicants. Some were rejected as they were under disciplinary procedures. Some were rejected as they had specialist skills (another reason to not rush to be qualified in every course going!!). Our TSG/Traffic/Firearms cops were rejected. Next year they will be doing Phase 2 where again they want another 100 officers to leave, followed by the same again in Phase 3. Theres even a chance that if they dont get enough officers to take it they might offer an enhanced package. What that might be I don't know, maybe 1.5 months pay for every year served? Or pension entitlements maintained and not deferred? Who knows, but its interesting times for anyone wanting to leave. I hate the job and would love to leave, but the VR figures dont work for my circumstances. Im holding out 5 more years for the 25 yr pension, at which pint I will be a just few months over 50 yrs old. That day can't come quick enough and I dream about it every day. Sad isn't it, especially as its all I ever wanted to do since the age of 4, and the sheer joy I experienced when being accepted. And i'm not the only one, moral is at rock bottom with almost every cop I work with, even the new starters. Many have quit after just a few months, saying its crap. Just keep your head down, keep out of bother, and become Mr Grey, and your time will come.
  24. Resignation !!

    As my post above, when Dazzzler has got 25 yrs pensionable service in he will only be 45 yrs old and wont yet be entitled to the early pension. Cops need to have 25 years pensionable service and be age 50 to get the 25 yr pension. By the time Dazzzler is age 50 he will have achieved 30 yrs service and can retire with his 1987 pension, and then get his CARE pension when he's age 55. At least thats my understanding, and i'd be happy to be wrong.
  25. Resignation !!

    The short answer is that if you resign now, I think your pension will be delayed until state pension age. Who knows what that will be by the time that day comes???. Heres how I understand it, and our situations are very similar in that I also joined in 1998 (so I have 19 yrs service but with 20 yrs pensionable service) and I am also desperate to get out ASAP. But unlike you I dont have the advantage of your 4 additional years pensionable service, boosting your service level to 23yrs and also putting you into the tiered position. For that you should be grateful . But as far as retiring early goes, your youthful age is working against you . The earliest you can receive any of your 1987 pension is by getting 25yrs pensionable service (so thats 2 years away), but heres the bad news, to get the 1987 scheme 25yr pension you also need to be aged 50, so you will actually have to work another 7 yrs (sorry). You need to have both 25yrs pensionable service and be aged 50. By the time you have worked to age 50 you will also have achieved your full 30 yrs service (under the 1987 pension) so can retire on a bigger pension. Then, 5 yrs later, and having enjoyed 5 yrs of retirement you can start to receive your 2015 CARE pension that you will soon be paying into. Or you can choose to defer the CARE pension until you are 60 and receive more. The earliest the CARE pension will pay out is at age 55. Under the 1987 scheme cops could retire before age 50 if they had achieved their 30 years full service. But even they wouldn't have been able to take the 25yr pension unless they were aged 50. To get your 1987 pension at the earliest opportunity you must remain in service and remain in the 2015 CARE pension. So, either resign now and wait until state pension age (if i correct?) before getting your pension, or work another 7yrs and then get a pension for the rest of your life. Heres something else you could consider, which I am actually considering myself at the moment.... How about going part time? Sounds unthinkable doesnt it. But it could actually make sense. Your 1987 pension entitlement is safe (assuming yo remain in it until you move over to the CARE pension) and you will soon only be working for the new 2015 CARE pension which obviously isn't worth as much as the old pension. You could go part time as soon as you move over to the 2015 CARE scheme in 2019, and for the following 5 yrs until you are 50 you can pick up some alternative part time employment. Then retire age 50 and get all of your 1987 pension entitlements. You will also have established yourself in alternative employment which you may decide to continue with, thus boosting your 1987 pension payout. Then when your age 55 you start getting whatever your CARE pension pays you as well. Just a thought! As for how long will your pension be delayed if you resign now? Im not entirely sure, but I reckon you wont get it until SPA (state pension age). As far as retiring early goes, you have an advantage over me due to your additional 4yrs pensionable military service, and being in the tiered system. But I have an advantage in being 2yrs older than you, meaning I will be age 50 in 5yrs time, and this will coincide with me achieving 25yrs pensionable service. (P.S. - I'm age 45, and have 19yrs service but with 20 yrs pensionable service. Im now on the CARE pension scheme and I plan to retire with the 25yr pension in 5 yrs time. Doing this means my CARE pension wont pay out very much. I will get about £29k lump sum & £1000/month from my 1987 pension, and when im 55 the CARE pension will kick in and pay me about £200/month. As im now only really working for my CARE pension Im seriously considering going part time, reducing my hours by half, and picking up some stress free part time work. Putting any drop in wages to one side, this will only impact on my CARE pension and may reduce it by 50%, but even so I'll only be loosing £100/month. Im prepared to loose that if it means being away from this crap job).