Retired officers
Members retiring from the Force on pension/medical grounds have the option of continuing with the following schemes:
PLEASE NOTE THAT THE GROUP INSURANCE SCHEME DOES NOT INCLUDE CRITICAL ILLNESS.
Details of the Retired Officers Group Insurance Scheme can be found in the Insurance Scheme Booklet and the Group Legal Expenses Document which are both in the GROUP INSURANCE SCHEME DOCUMENTS SECTION.
You will be automatically enrolled in the retired officer scheme unless you let us know otherwise.
If there is any change of circumstances it is vital you contact the Federation as soon as possible to check your beneficiary is up to date. Failure to do this can affect any claims.
You can download a retired officer beneficiary form in the Group Insurance Scheme Documents section, just complete (you can type in the form before you print), sign and send back to the Federation office via email to westmidlandspf@polfed.org or post back to us.
IMPORTANT INFORMATION
Changes to the West Midlands Police Federation Legal Expenses Insurance
From 1 June 2023 the Legal Scheme provider is Arc Legal and offers cover for a myriad of situations. It will cover you where you are not covered under the umbrella of the protection offered by the Federation.
Arc Legal also provides an online document service and Care First counselling.
The Legal Helpline is 0333 003 2388.
Find out more about the legal cover.
A summary of benefits and premiums payable for the age categories can be found below, prices shown are from 1 June 2023 onwards (note travel insurance is separate cover from 65 upwards):
| Retired officer (up to age 64) and partner | Retired officer | Partner | |
| Life assurance | £55,000 | £27,500 | |
| 20% advance in cases of terminal prognosis | |||
| Best Doctors service | Family cover | ||
| GP Care on Demand | Family cover | ||
| Worldwide family travel insurance | Annual/multi-trip | ||
| RAC Motor Breakdown Assistance | UK & European | UK & European | |
| Mobile phone/gadget insurance | Included | Included | |
| Legal expenses | Family cover | ||
| Care First Counselling | Family cover | ||
| Monthly premium: | £35.90 * | £14.38 * | |
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| Retired officer (aged 65 - 69) and partner | Retired officer | Partner | |
| Life assurance | £7,500 | £7,500 | |
| Best Doctors service | Family cover | ||
| GP Care on Demand | Family cover | ||
| RAC Motor Breakdown Assistance | UK & European | UK & European | |
| Mobile phone/gadget insurance | Included | Included | |
| Legal expenses | Family cover | ||
| Care First Counselling | Family cover | ||
| Monthly premium: | £25.72 * | £14.40 * | |
| Retired officer (aged 70+) | Retired officer | Partner | |
| Best Doctors service | Family cover | ||
| GP Care on Demand | Family cover | ||
| RAC Motor Breakdown Assistance | UK & European | UK & European | |
| Mobile phone/gadget insurance | Included | Included | |
| Legal expenses | Family cover | ||
| Care First Counselling | Family cover | ||
| Monthly premium: | £18.20 * | £6.18 * | |
| * Premiums correct as of 2024 |
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| Travel insurance | |||
| £9.95 * | up to 65 years | ||
| £15.98 * | 65 - 69 years | ||
| £22.18 * | 70 - 74 years (cover ceases at 75 years) | ||
