If you continue without changing your settings, we’ll assume you’re happy to receive all cookies from the BMA website. Find out more about cookies
When you visit any web site, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience.
Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.
These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.
You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.
These cookies are required
These cookies allow us to know which pages are the most and least popular and see how visitors move around the site. All information we collect is anonymous unless you actively provide personal information to us.
If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.
These cookies allow a website to remember choices you make (such as your user name, language or the region you're in) and tailor the website to provide enhanced features and content for you.
For example, they can be used to remember certain log-in details, changes you've made to text size, font and other parts of pages that you can customise. They may also be used to provide services you've asked for such as watching a video or commenting on a blog. These cookies may be used to ensure that all our services and communications are relevant to you. The information these cookies collect cannot track your browsing activity on other websites.
Without these cookies, a website cannot remember choices you've previously made or personalise your browsing experience meaning you would have to reset these for every visit. In addition, some functionality may not be available if this category is switched off.
Our websites sometimes integrate with other companies’ sites. For example, we integrate with social networking sites such as Twitter and Facebook, to make it easier for you to share what you have read. These sites place their own cookies on your browser as a result of us including their icons and ‘like’ or ‘share’ buttons on our sites.
You will hopefully have seen in the press that the persistent lobbying by the BMA on pensions has paid off – the DHSC (Department of Health and Social Care) and Treasury have announced a consultation on pension changes that are causing huge tax bills for some GPs and consultants.
I’m very aware that for many sessional colleagues the thought of hitting the annual or lifetime pension allowances never crosses their minds. A much bigger problem for those of us who work as locum GPs is the annualisation and the unfair overcharging, which came into effect with DHSC regulations from 1 April this year.
We provide more information on how the 2015 NHS pension scheme regulations are applied in practical terms through our series of blogs and guidance. In summary, the Government has chosen to assume that every locum GP works 365 days per year and ‘annualises’ all earnings to this amount, which grossly inflates figures above our actual incomes. Unfortunately, this puts a lot of doctors into the highest contribution tier and it does not come with any additional benefits. It seems particularly unfair that those of us who work fewer hours stand to lose the most from these regulations.
The sessional GPs committee is lobbying the Government to look into this issue, and I want members to know this remains a real priority for us. Hopefully, recent announcements indicate a new willingness to cooperate and review policies, and I hope to be able to feed back with some positive news. In the meantime, please don’t forget to check our existing guidance on annualisation.
Ben Molyneux is the chair of the sessional GPs committee
I am losing most of what I have just gained from the indemnity changes. Please continue to kick up a massive fuss about this!
Thanks for keeping up the pressure on fighting this wholly unjust new system. Presumably the obvious lack of fairness when it comes to diversity will help us. My MP has also asked questions to the DOH about this. It's true that the whole thing about lifetime/annual allowances just creates this idea we are all rich.
It is so unfair that someone can be earning less than the threshold for higher rate tax and also pay the highest tier of pension contributions. This compounds the problem by giving you tax relief on the contribution at only 25%. (Higher rate of tax relief is the reason for the large jump between the 9.3% contribution rate and 12.5%.) The effect is that these relatively low earners pay the highest contributions of anyone.
The avid viewers and readers of Neil Gaiman’s Novel Adaptation of American Gods know that the second season of American Gods was not up to the mark. www.telegraphstar.com/.../
Automatic pool cleaners reach areas where a person can’t. They cover every part of your pool, even the most awkward areas, removing algae.
Many people unable to go to the hospital and pay the bills. They are many old people who suffer to pay the bills by visiting the hospital. So for all those people we come up with an easy process to pay the medical bills online at https://quickpayportal.win easily. Just sign and pay the bill.
The information you have very true and useful, thank you have shared this post.
This is a useful post and the technique you express your all post subtleties that is excessively upstanding. But I have one inquiry, does that mean if you change occupations, suppose at some point in July/august, and may have a couple of week occasion between the employments, you will get annualised? <a href="www.agmusmedia.com/">digital advertising Service</a>
This is a useful post and the technique you express your all post subtleties that is excessively upstanding like https://www.agmusmedia.com/ . But I have one inquiry, does that mean if you change occupations, suppose at some point in July/august, and may have a couple of week occasion between the employments, you will get annualised?