Pensions

We offer information, guidance and action on UK doctors' occupational pensions, including the NHS pension schemes, Annual and Lifetime allowances and more.
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Modelling tools for your pension

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Modelling tools for your pension

Retirement

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Retirement

Pensions tax

Pensions tax

Additional pensions advice

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Getting the most from your pension

Learn about the various ways to increase your pension. Read our guidance on additional purchases and more.

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Doctor categories

Navigating the pension scheme is challenging, and certain conditions can depend on the type of doctor you are. Check our guidance and be fully informed.

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Going on leave

Taking any extended leave or absence can have an affect on your pension. Check our guidance and be fully informed.

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In the event of death

Make sure you and your loved ones are informed about lump sums, taxable benefits and more.

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Leaving the pension scheme

There are a few options available each with different benefits. Read our guidance to learn more about them.

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2015 NHS pension scheme

The 2015 scheme differs from the 1995 and 2008 sections, which give a final salary pension. Find out more about this scheme.

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Non-NHS pension schemes

Find information on your rights and benefits if you are a member of an alternative pension scheme.

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We campaign for you
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Consultation response Consultation on NHS Pension Scheme regulations Read our response to the Government's proposed changes.
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Lobbying McCloud pension consultation judgment Watch our webinars and guidance on the Government consultation on unfair discrimination in the pension scheme.
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Lobbying GP pension scheme BMA launches pensions tool for GPs to help navigate unfair inflation calculations.
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Representing you Pensions committee We aim to increase awareness on pensions issues and lobby UK governments to maximise members pensions rights.
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Campaign End the pension tax trap The current NHS pension scheme is driving doctors away. We outline how taxation can be fairer.

The BMA pensions department

Need our expert advice?

We can give you guidance and represent your interests in relation to your pension. 

Find out what we do
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Join the BMA

We're here to stand up for your rights, support you in the workplace and champion the medical profession. 

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