Preparing for the 2015 NHS pension scheme

On 1 April 2015 a new NHS pension scheme will be introduced. 

From that date approximately 75% of existing NHS employees and all new employees will join the new 2015 NHS pension scheme (2015 NHSPS).

Over the next 12 months we are providing monthly updates on the key aspects of the scheme.

ArrowBe prepared - read our latest update for October

Need help on pensions?

If you cannot find what you need, please contact the Pensions Department directly.


Answers to your pension questions on:

Bullet pointPlanning for retirement - a general overview

Bullet pointAdded years

Bullet pointAdditional pension purchase

Bullet pointAbatement

Bullet pointAllocation

Bullet pointAllowance - Annual

Bullet pointAllowance - Annual Statement

Bullet pointAllowance - Lifetime

Bullet pointAuthorised absences or career breaks

Bullet pointAuto enrolment and opting out

Bullet pointDeath after draw down

Bullet pointDeath after leaving the NHS

Bullet pointDeath after retirement

Bullet pointDeath in service

Bullet pointDirection status (in NHS pension scheme when not working in NHS)

Bullet pointDraw down

Bullet pointEarnings cap

Bullet pointEligibility to join the NHS pension scheme

Bullet pointFinal pensionable pay

Bullet pointIll health retirement

Bullet pointInflation increases to your pension

Bullet pointInjury benefits

Bullet pointLocal government pension scheme (LGPS)

Bullet pointLocum pensions - employer contributions

Bullet pointLocums - your pension contributions

Bullet pointMaternity, paternity and adoption leave

Bullet pointMedical and Clinical Director duties

Bullet pointMoving between NHS and university employment

Bullet pointPensionable service

Bullet pointReckonable pay

Bullet pointRefund of contributions

Bullet pointRestricting pensions tax relief

Bullet pointReturning to work after retirement

Bullet pointRedundancy

Bullet pointSick leave

Bullet pointTax free lump sum

Bullet pointTransfer of pension rights

Bullet pointVoluntary early retirement

Bullet pointVoluntary protection of pay

Bullet point45+ calendar years of service in the NHS pension scheme


Answers for specific groups:

Bullet pointGP pension flexibilities

Bullet pointLocum GPs

Bullet pointPension and lump sum benefits for Primary Care Doctors

Bullet pointHow your pension is affected if you're on less than full time training

Bullet pointIssues for Mental Health Officers

Bullet pointRules for Mental Health Officers and fixed protection

Bullet pointLocum and returning retired GP contributions and other questions for GP employers

Bullet pointArmed Forces Pension Scheme

Contact pensions

We are happy to assist if you cannot find the pension information you need.

Please use the form provided if you require detailed information.

ArrowContact us now


Have you ever worked for the Ministry of Justice?

If you have ever undertaken fee paying part-time work for the Ministry of Justice, you must read this important update.

ArrowMinistry of Justice - breach of regulations


Pensions calculator

Calculate your estimated benefits at retirement.

Our pension calculator is designed to illustrate the possible pension benefits payable to hospital doctors who contribute to the NHS Pension Scheme.

ArrowUse our calculator


Pensions seminars

Preparation for retirement has become increasingly important as people retire earlier and live longer.

Our expert speakers will provide you with sound, practical information about many retirement issues, at seminars across the UK, throughout 2014.

Arrow Find 2014 seminar dates


Pension protection choices

Are you using fixed protection to safeguard your lifetime allowance? Do you know all the facts?

From April 2014 the lifetime allowance for tax-relieved pension contributions reduces from £1.5m to £1.25m.

BMA Services offer advice to doctors affected by this change.

ArrowFind out about pension protection


Helpful web sites

You may find these sites of various pension organisations useful.

ArrowPension organisations

2014 Annual Allowance changes

On 5 December 2012, the Government announced its proposed changes to the taxation of pension savings due to be introduced from April 2014.

Arrow Find out more about how it may affect you


Have you opted out of the NHS pension scheme?

New rules on auto-enrolling employees into the NHS pension scheme came into effect from October 2012.  If you have opted out of the NHS scheme to keep fixed protection for pension savings, you will have one month from the enrolment date to opt out of the scheme to maintain your fixed protection.

Arrow Read what you should do or the action to take if  Arrow you are a GP employing staff