For many years Strathclyde Police Federation has operated a number of members Benefit Schemes that include Salary Replacement, Personal Accident and Legal Protection. These three schemes are now governed by Trust deed status and from time to time the conditions, costs and benefits are reviewed and re-negotiated.

Following a presentation from our insurance provider to the Joint Branch Board on the 7th December 2006 the following changes will apply from 22nd January 2007.

There will be a new benefits scale, which is designed to be equal to the net amount of pay lost as a result of a member being put on half pay. It takes into account reductions in tax, national insurance and pension contributions, together with incapacity benefit, and seeks to ensure that members who have their pay cut under Reg 28 are in a No win / No lose situation. The benefit previously ceased after 26 weeks payment, but will now be maintained at the half pay level for up to 52 weeks. The benefit will be capped at the top Chief Inspector pay point. Those officers in the scheme above the rank of Chief Inspector may wish to make private arrangements to fund any extra benefit they may require. The benefit will be reviewed annually in line with the Annual Pay Review.

In addition to the Salary Replacement Scheme (SRS), the benefit payable under the Trust has been extended to provide a £10,000 lump sum on first diagnosis of any of a list of 21 critical illnesses (full details here). If a member has any prior history of any of the listed illnesses or associated condition, then that particular condition would be excluded from benefit. However, any un-associated condition would still be covered under the scheme.

In addition to the members benefit, cover is extended to any dependant children of the member or their partner who are between the age of 6 months and their 18th birthday.

The following is a brief resume of the various schemes, some of which are administered by Strathclyde Police Federation; it includes some figures, which although accurate at the time of printing may now have been updated. For complete accuracy please contact your Federation representative or Federation office.