How we represent you
The BMA pensions departmentWe 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 pensionGuidance 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 pensionThis 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 pensionWhat will your NHS pension be when you retire? Use our pension calculator to estimate your pension benefits in minutes.
Calculating your pension lump sumThis 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 payAs 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 doctorsThis 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 ratesA summary of contribution rates to your pension from you as an employee and your employer.
NHS pension annual allowanceDoctors 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 modellerWe 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 GPsGuidance for GPs on the annual allowance scheme pays election, deadlines for submission and changes to the threshold income.
BMA action on NHS pension annual allowanceThe 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 allowanceOur 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 pensionGuidance on ill health retirement including definitions, possible outcomes and effects on your pension.
Ill health retirement and your pension for transitional membersThis 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 pensionWe 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 pensionWe 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 pensionAuthorised 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 employeesDirection 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 schemeRead the need to know information on the 1975 and 2005 sections of the armed forces pension scheme.
The NHS pension scheme as a locum GPYour 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 CapitaThis 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 schemeThis 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 officerHolding 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 schemeThe 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 directorIt 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.
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