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 *

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
Travel insurance
£9.95 *	up to 65 years
£15.98 *	65 - 69 years
£22.18 *	70 - 74 years (cover ceases at 75 years)

* Premiums correct as of 2024.The premiums include Insurance Premium Tax and the Federation’s administration fee. Premiums are subject to periodic review and may go up or down.

More information on the travel insurance

West Midlands Police Federation is an Appointed Representative of Arthur J. Gallagher Insurance Brokers Limited, and George Burrows is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 55 Blythswood Street, Glasgow G2 7AT. Registered in Scotland. Company Number: SC108909

www.ajginternational.com

Privacy notice

George Burrows is a trading name of Arthur J. Gallagher Insurance Brokers Limited. We are the controller of any personal data you provide to us. We collect and process personal data in order to offer and provide insurance services and policies and to process claims. Personal data is also used for business purposes such as fraud prevention and detection, financial management, to generate risk modelling, conduct analytics including to advise, improve and develop our products and services and to comply with our legal and regulatory obligations. This may involve sharing information with, and obtaining information from, our group companies and third parties such as (re)insurers, other brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies.

We may record telephone calls to help us to monitor and improve the service we provide as well as for regulatory purposes.

Please see our Privacy Notice for further information on how your personal data is used, shared, disclosed and retained, your rights in relation to your personal data and how to contact our Data Protection Officer. Our Privacy Notice can be found at https://www.ajg.com/uk/privacy-policy/. From time to time we may make important updates to our Privacy Notice and these may in turn affect the way we use and handle your data. Please ensure you review our Privacy Notice periodically to ensure you are aware of any changes.

If you are providing us with personal data of another individual that would be covered under the insurance policy we may be placing or services we may provide to you, you shall ensure that you have obtained all appropriate consents, where required, tell them you are providing their information to us and show them a copy of this notice. You must not share personal data with us that is not necessary for us to offer, provide or administer services to you.