Opting Out

2015 Scheme

On 1 April 2015 a new NHS Pension Scheme was introduced which covers all transitioning and new NHS employees. Some members are entitled to remain in the 1995 or 2008 Sections until retirement through the Scheme’s Protection arrangements. The content of this website is being updated in stages to reflect these changes. More information about the 2015 Scheme arrangements can be found here.

Before applying to opt out of the NHS Pension Scheme you should first read the Leaving Early and Transferring Out guide and the Scheme Guide available on the homepage.  

The Opt Out Calculator, in our Pension Calculators section will illustrate the impact of the your take home pay and contains some standard information outlining the benefits you would lose if you decide to opt out.

If you have decided to opt-out and are aware of the benefits you will be giving up on leaving the Scheme, read more information in the Opting Out factsheet.

To opt out of the NHS Pension Scheme you must complete the application form to leave the NHS Pension Scheme (SD502) which is available in Pension Scheme forms.

The form must be fully completed by you and your NHS employer.

A request to opt out that is made by any other means e.g. letter, email or made verbally cannot be accepted.

If you are not able to print off a copy of the application form to opt out of the Scheme, your employer should be able to provide access to facilities which will allow you to do this.

 For more information about opting out: