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NHSBSA (NHS Business Services Authority) has published new guidance on NHS pensions for GPs which gives an overview of the NHS pensions regulations and responsibilities for GPs. It also includes useful examples on the various GP pension forms and tiered contributions, death benefits, life insurance and pensionable incomes.
We are currently examining the guidance and will provide an update in our next newsletter. Overall it appears there are some improvements, in terms of flexibility to pension part of your income and some bureaucratic changes, but annualisation changes persist.
The BMA is continuing to lobby on the various pension issues facing doctors, and the sessional GPs committee is focusing on mitigating the damaging annualisation of earnings.
An annualisation calculator for 2019/20 has also been released. The calculator can help you establish your correct tiered employee contribution rate in 2019/20 and reduce the risk of under or over paying contributions, if you are on the 2015 scheme. The calculator and supporting guidance can be found by clicking the ‘GP tiered contributions and annualisation calculator’ on the practitioner webpage of the NHSBSA website.
We are still seeking further clarification from NHSBSA on certain areas but please read the guidance if you haven’t already. Although the guidance is aimed at GPs it also provides helpful information for other stakeholders, such as accountants, to better understand the rules for scheme members. If you have any questions you can contact the NHSBSA directly at [email protected]. You can also get in touch with the BMA for advice and support on pensions.
Ben Molyneux is the chair of the sessional GPs committee
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