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No one enjoys sorting out their pensions, and it feels like in the last 12 months the situation has become more and more complicated.
The sessional GPs committee is working constantly to try and lobby/simplify/improve matters where we can, and that is an ongoing process. We recently raised and resolved IT issues with logging contributions, we’re extensively lobbying on annualisation and we have a court case ongoing about death-in-service benefits.
While all that is ongoing, NHS Pensions released updated guidance that aims to help GPs navigate the myriad pension nuances. It’s a fairly technical document, but it does seek to answer some specific queries. These are some of the main changes and areas of clarification. For detailed information you’ll need to read the document itself, and the BMA pensions team is always on hand for additional support.
This is a 36-page document, and this is just the significant areas of change and clarification that may just mean you don’t have to read the whole thing. NHS Pensions is also working on some infographics that address common queries, and these should find their way to social media in the near future.
Ben Molyneux is chair of the sessional GPs committee and a London GP.
As a Locum Gp it is incredibly difficult and indeed not possible to view your pension summary online. Will this become available and if not where can this be easy accessed?
I'll second the comment below (?above; don't know which way this posts yet). As a portfolio GP I have: salaried GP pension, OOH pension (paid via hospital payroll), clinical research fellowship (pensionable via university payroll) and locum pension (via forms A&B). The Total Rewards Statement bears no resemblance to the actual sums I have contributed and although I am assured it is all logged and recorded (somewhere), I find this extremely hard to believe. The systems is shambolic: over-onerous, complexity, and reliable it beggars belief that it manages one of the largest pension funds in the UK!
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