How we represent you
The BMA pensions department
We can give you guidance and represent your interests in relation to your pension. Find out how the BMA can help you.In the event of death
Death in service and your pension
Guidance about the benefits available if you die in NHS service, who they can be allocated to and whether they are taxable as well as answers to queries about child allowance.Death after leaving the NHS and your pension
This guidance is for doctors who have left or retired from NHS pensionable service with deferred benefits and for those who have retired.Calculating your pension
Calculate your NHS pension
What will your NHS pension be when you retire? Use our pension calculator to estimate your pension benefits in minutes.Calculating your pension lump sum
This guidance answers all your queries on the lump sum you receive at retirement from your NHS post – how much you will get, how much will get taxed and what commutation is.Your final pensionable pay
As a secondary care doctor in the 1995 section of the NHS pension scheme, or who has since transitioned to the 2015 scheme, this guidance can help calculate your final pensionable pay.Pensionable service guide for secondary care doctors
This guidance covers what elements of your service and time are contributing to your NHS pension, what reckonable pay is, what whole-time is defined as and how your final pension pot is calculated.NHS pension contribution rates
A summary of contribution rates to your pension from you as an employee and your employer.Tax
NHS pension annual allowance
Doctors are being punished with tax on their pensions. This guidance informs you about your annual allowance statement and your options should you be charged.The BMA Goldstone pension modeller
We have entered into an agreement with Dr Tony Goldstone to develop a tool for consultants in the UK on 1995 and 2015 pension schemes to calculate your annual allowance charge.Pension taxation and using scheme pays guide for GPs
Guidance for GPs on the annual allowance scheme pays election, deadlines for submission and changes to the threshold income.BMA action on NHS pension annual allowance
The BMA is supporting our members by ensuring that you are aware of the tax implications of the annual allowance and by giving you the tools to assess the impact on you personally.NHS pension lifetime allowance
Our guidance offers everything you need to know about your NHS pension lifetime allowance. The BMA can help you to make the best decisions with your pension and reduce your potential tax charge – give us a call.A change to your circumstances
Ill health retirement and your pension
Guidance on ill health retirement including definitions, possible outcomes and effects on your pension.Ill health retirement and your pension for transitional members
This guidance addresses the main queries concerning ill health retirement for members of the 2015 NHS pension scheme who also have membership in the 1995 or 2008 sections of the scheme.Sick leave and your pension
We guide you through how sick leave affects your pension pot, covering deemed pay, stepping back, disallowed days and additional pension purchase.Maternity, paternity and adoption leave and your pension
We cover the basics of the effects that leave can have on your pension, including what contributions you and your employer make and if your leave is pensionable.Authorised absences and your pension
Authorised absence is where you take unpaid leave from work for an agreed period – find out how this effects your pension pot, how long you can take and under what circumstances.Direction status - NHS pensions for non-NHS organisation employees
Direction status allows individuals who are not working in the NHS to remain members of the NHS pension scheme. This guidance covers the types of status and how you and your organisation can apply.Being a member of a pension scheme
Armed forces doctors pension scheme
Read the need to know information on the 1975 and 2005 sections of the armed forces pension scheme.The NHS pension scheme as a locum GP
Your pension can be hard to navigate as a locum GP. Here we guide you on how to pension locum earnings, opting out of the NHS scheme and how your benefits are calculated.NHS pensions and Capita
This guidance addresses concerns sessional GPs have about the PCSE pension service and actions you can take to protect your pension pot.GP flexibilities in your NHS pension scheme
This guidance is for doctors who mostly work in primary care but also have responsibilities in secondary care and how this will affect your pension.The NHS pension scheme as a mental health officer
Holding mental health officer status can have a big impact on your pension pot. Read the benefits, your options and when you can retire with MHO status.Local government pension scheme
The LGPS (local government pension scheme) is a statutory pension scheme for employees of local authorities. Find out about the benefits and your rights as a doctor.The NHS pension scheme as a medical director
It can be hard to know whether to pension your earnings as a medical or clinical director. Here we answer when and whether it is beneficial for you.We need to stand together for doctors and the NHS, and we can only do that with you.
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