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As part of the ongoing saga, I would like to update you following the meeting with Capita team and NHS England on 6 February 2018.
As you will see, I have kept the format the same in order that it may be easier for you to see the issues that were raised and how we are progressing with them.
Some of you may already be aware that since Capita (PCSE) took over the contract in November 2015, NHSE have had a team that have supported Capita (PCSE) to help deliver the contract. NHSE have finally made the decision to withdraw that support last month. Capita (PCSE) are now on their own, and this as you can imagine, is bringing great unease as to how the service will continue and whether they will be able to deliver.
The bank details for sending monies still remain absent from the website, partly due to a security concern from NHSE and partly due to the fact of unallocated cash within NHSE’s bank account.
NHSE have advised that rather than offer the details on the website, they would rather have greater control as to who has access to the details and therefore are continuing with their current approach where individuals who do not know the bank details should contact PCSE either via telephone or via their online form.
I think until NHSE have a greater understanding of the unallocated cash in the bank account, the bank details are likely to remain absent from the website.
This raises the concern, how much of this unallocated cash is our pension money.
I have stated previously that “there is no risk to your pension” however this statement has caused some confusion. Allow me to clarify, we have had guarantees from NHSE in two separate meetings that no individual will be disadvantaged due to the processing of an individual’s pension, ie that monies paid to your pension are safe even if they have not been processed correctly at present.
My advice as previously, keep a copy/evidence of all forms and monies that you send to PCSE just in case you are required to provide them in the future.
With regards to the bank details, for reassurance, they have not changed and you can continue to use the details you have used for previous months/years.
On 20 December, Capita (PCSE) went live with their on-line enquires form for all submissions. The BMA first became aware of this in early December. We were not consulted on this and I get the impression neither were NHS Pensions.
Capita (PCSE) are now accepting forms only via their on-line enquires form or via post.
Although the PCSE guidance notes states, “If you have an NHS.net email address, you can submit your payment by BACS and your paperwork via the enquiries form. You will need to enter your NHS.net email address when prompted” I can assure you that an NHS.net email address is not required and I have asked for the website notes to be changed accordingly.
I also have had meetings with NHS pensions to redesign the Locum A and B forms to make them simpler and easier to use. I have made many recommendations including to have the sections that need to be completed on one page rather than over two on the Locum A form. This would also make it easier to upload to the PCSE website.
NHS pensions have advised they have redesigned the form however, I have not seen the updated version yet. I am hoping to meet with NHS pensions soon (no date yet) to review these prior to their release for the new pension year (1 April 2018).
I have touched upon this above. These monies continue to remain ring fenced until they can be allocated to individuals.
The easiest way, I believe, to identify unallocated monies would be if individuals were to receive a statement of their pensionable earnings and a statement of contributions for each year and then members would be able to detect if any monies were missing from their pension record and Capita (PCSE) could begin the process of having it allocated.
I am pushing for this harder than ever and I now feel that there is recognition from NHSE that this is a necessary step.
NHSE continue to agree it is about doing the right thing for Sessional GPs.
Since the launch of the PCSE online enquiries form there should be a case reference number automatically generated for your submission.
This may be a small step in the right direction however, I do not believe it is sufficient. This is not a receipt that our records held by Capita (PCSE) or NHS pensions have been updated.
I would like to clarify that there is a difference between Capita (PCSE) records being updated and the records held by NHS Pensions.
As an example, for the year ending 31 March 2017, Capita (PCSE) will submit their records to NHS Pensions in approx April/May 2018. This is in line with the requirement for Type 1 and Type 2 Practitioners and their forms. NHS Pensions will then update their records which will be visible on the Total Rewards Statements (TRS) in August 2018, essentially 18 months after the pension year end of 31 March 2017. The current TRS should be updated to 31 March 2016.
For further clarity; NHSE hold the monies, Capita (PCSE) only process it and update NHS Pensions. Capita (PCSE) do not have access to the funds.
When I visited Capita (PCSE) back in September, Capita (PCSE) had a back log of approximately 30,000 emails. I have been advised apart from a small amount of emails from September and October that the remainder of the back log has been cleared.
I am not convinced that all have these have been resolved as I have heard a number of individuals receiving emails to state that their queries have been resolved when they have not. I would recommend resubmitting your query and now you will have a reference number that will allow you to follow it up accordingly.
A further concern that I have raised is that when an individual is asked to respond to a query from Capita (PCSE), as we have to use the online form, it is unlikely to be the same individual that receives this. This is unhelpful. Capita (PCSE) have stated they will look into this to find a solution.
Up until 31 January 2018, the BMA Pensions team and I had access to a specific team that were dealing with all the queries that members were asking us to resolve on their behalf. I must admit we were quite successful in resolving many complicated queries. This Capita (PCSE) team has now been dissolved. I have raised how unhappy I am about this to NHSE and Capita (PCSE). Capita (PCSE) have stated they will look into putting a team back in place in order that we can raise queries on behalf of members.
I have written a specific blog on the Type 2 Forms which you can find here. This details what you need to do at the moment.
Please be aware, if you are in the 1995 or 2008 scheme you do not have to annualise your pensionable earnings. There does not appear to be a separate form for these members. I have raised this as an urgent concern to NHS pensions.
The deadline for submission for years 2015/2016 and 2016/2017 is fast approaching – 28 February 2018.
Where do I begin....what a mess!
Within the NHS pension Scheme there is an officer scheme and a practitioner scheme. In the officer scheme an individual’s tier is based on their whole time equivalent (WTE) income.
The Government have tried to apply this whole time equivalent rule to the 2015 practitioner scheme however, in quite a botched way.
The regulations are complicated to say the least. We have raised many queries to NHS Pensions however, the responses are very unclear on how these regulations are being applied.
We have many unanswered questions regarding this unfair regulation.
This is essentially a regulation that will result in certain members having to tier their pension contributions at a higher rate based on their annualised earnings rather than their actual earnings.
The BMA Pensions team and I have written guidance which can be found here.
We continue to try to clarify the workings of the annualising rules. Until this has been done we suggest any queries regarding this are directed to NHSBSA who administer the scheme at [email protected]
There are many ongoing issues, some more complicated than others however, they affect us all. We will continue to meet with Capita (PCSE), NHSE and NHS Pensions until we can get the issues sorted.
If you would like to get in touch please email [email protected] email quoting your BMA membership number or for specific pension queries [email protected] quoting your BMA membership number.
These emails unfortunately no longer come to me and will be answered by the BMA first point of contact or BMA pensions team.
I will continue to provide updates for you.
Krishan Aggarwal is Deputy Chair of the Sessional Subcommittee, GPC UK.
You can follow him on Twitter @Krishanx
But BMA/GPC, you were right there in the middle of these original negotiations as part of your official role as the professions negotiators? Why didn't you exert influence before these changes were passed into regulation?
Sent off my Type 2 form to capita - had email confirming they had received and would send me case ref number in 5 days. Not had so mailed them to tell them- mail returned as not able to deliver. What do I do now ? Can't contact them without ref number but can't get ref number!!
Thanks Krishan. Please apply as much pressure as you can to get the locum pension forms for the new financial year out well in advance of 1st April - they weren't out till a week or so later last year, I recollect. It is obviously entirely possible to be working in a practice on 1st April and know you won't be back there later in the month, so you want and need to get the form A sorted on 1st April. It is not acceptable to expect locums and PMs to sort these out in retrospect when NHS Pensions finally manage to release the new forms.
I totally disagree with Capita's assertion that they have cleared most of the backlog of emails. I am still awaiting responses to queries raised in November (which I have a reference number for only because I called up to chase things up). I have submitted pension forms online for the last 2 months and received an automated email saying that I would receive a reference number within 5 days but this never came.
"But BMA/GPC, you were right there in the middle of these original negotiations as part of your official role as the professions negotiators? Why didn't you exert influence before these changes were passed into regulation?" - I was not in a committee role at the time and BMA pensions were not aware of this regulation until discovered last year.
"Sent off my Type 2 form to capita - had email confirming they had received and would send me case ref number in 5 days. Not had so mailed them to tell them- mail returned as not able to deliver. What do I do now ? Can't contact them without ref number but can't get ref number!!" Can you submit another query here pcse.england.nhs.uk/.../ if it does not work can you contact us at the email addresses in the blog and we can follow up.
"Thanks Krishan. Please apply as much pressure as you can to get the locum pension forms for the new financial year out well in advance of 1st April - they weren't out till a week or so later last year, I recollect. It is obviously entirely possible to be working in a practice on 1st April and know you won't be back there later in the month, so you want and need to get the form A sorted on 1st April. It is not acceptable to expect locums and PMs to sort these out in retrospect when NHS Pensions finally manage to release the new forms." - I am trying to ensure we do not have this messy situation again.
"I totally disagree with Capita's assertion that they have cleared most of the backlog of emails. I am still awaiting responses to queries raised in November (which I have a reference number for only because I called up to chase things up). I have submitted pension forms online for the last 2 months and received an automated email saying that I would receive a reference number within 5 days but this never came." Could you email me at [email protected] I will take this up with Capita.
I think that I have been fortunate in having been able to access the Total Rewards Statement and see that my record is correct up until the 31st March 2016.
I have been trying to get a record/statement from Capita (PCSE) since April 2017 of payments made with Locum Forms A+B for the financial year April 2016 - March 2017 but they have persistently ignored me or fobbed me off.
Point 4 above states..." for the year ending 31 March 2017, Capita (PCSE) will submit their records to NHS Pensions in approx April/May 2018"
Please can you confirm that Capita (PCSE) will first of all send the relevant records to each doctor concerned so that they can check them against their own records and confirm that they are correct before they are submitted to NHS Pensions.
“Please can you confirm that Capita (PCSE) will first of all send the relevant records to each doctor concerned so that they can check them against their own records and confirm that they are correct before they are submitted to NHS Pensions.”
I can make no such statement and I have not stated that this will happen. Capita (PCSE) will submit the records that they hold to NHS pensions. I am sure there will be errors and that’s why I am doing the work that I am.
I am salaried GP, work for 3 employer, they have provide me with pensionable pay, employer contribution and employee contribution for ear job. I am struggling to fill the right form, please can you advise me, right form and how to do it,
Dear Anonymous above
Please have a look at this blog. There is a link within the blog to the NHS pensions website for the Type 2 forms.
The case reference number is now working. I have submitted several issues with my pension and Type 2 form. You get an email stating they will return a case reference within 5 working days but this does not happen. This obviously results in more emails and churn from their point of view.
As I processed typed pension certificate, my accountant noticed there is short payment of contribution towards my pension, my question is who is responsible to pay the short payment is it me or the employer. Many thanks
The employer pays a fixed 14.38% irrespective of your earnings. If you have a shortfall it will be in the employees contributions, which are you are responsible for.
Hello! Thanks for such a nice and updated information. I got some interesting tips from this post. Nice post with awesome points! Can’t wait for the next one.
I have never filled any form for pension and I have been a salaried GP since 2013
And I realised its last date today
I have got no clue where to start but I have been paying my pension contributions what will happen ?
Just want to thank Krishan for keeping up the pressure on this and responding to new problems and feedback quickly and keeping us informed. I can only imagine how frustrating it is trying to deal with Capita