NHS Pension Scheme

Unlike a growing number of schemes today, the NHS Pension Scheme for medical professionals provides a very valuable indexed retirement income. It's based either on a combination of the number of years worked and your final salary or, the career average revalued earnings (CARE) system.

The scheme also has a number of other benefits including pensions for surviving partners, death in service benefits, allowances for dependent children and ill-health retirement.

Reviewing Your NHS Pension with Legal & Medical 

With our extensive experience in dealing with the NHS Pension Scheme, your L&M financial adviser can provide you with a comprehensive review of your NHS pension that will incorporate:

  • A projection of your benefits
  • Ensuring that your service history is correct – a critical factor as the pension is invariably based on your length of service
  • Strategies to increase your pension provision either within the NHS or outside, or a combination of the two
  • Strategies should you wish to take early retirement, increase your tax free lump sum or make additional voluntary contributions to your NHS pension
  • Your opinions regarding the NHS Pension Scheme and a review of any other pension contracts that you have in force

It is worth noting too that, since the introduction of the new NHS Pension Scheme on 1 April 2008, anyone joining from this date will have different benefits and a different age at which normal retirement can be taken.

Summary of Changes to the NHS Pension Scheme

(by the BMA)

To find out how Legal & Medical can help you choose an approach that provides you and your family with a safe and relevant retirement income, contact us today or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it

The tax reliefs referred to throughout this website are those currently applying in the United Kingdom to UK Tax Residents. These tax reliefs are liable to change. The value of any tax relief available will depend upon the individual circumstances of the taxpayer.