TC said:
So the individual is left with the problem of leaving the police (civilian) scheme atleast 5yrs early, incurring a 25% deficit in their pension returns forever.
Whilst he might be forced from his post, he is not forced to take his pension with the actuarial hit. The pension can be frozen (though the indexing is not frozen, I believe) and taken in full at 65 if he so wishes.
Thought it worth mentioning.
CG