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Your NHS Pension after 1 April 2022

From 1 April 2022, all active members regardless of age will be members of the 2015 NHS Pension Scheme. Many of our members are already part of this reformed scheme. 

All legacy pension schemes will be closed, including the 1995/2008 NHS Pension Scheme. This means that when you claim your pension, it could consist of up to three different parts of the NHS Pension Scheme.

How your pension benefits are calculated

During your career, you may have been a member of different NHS pension schemes. This means that when you claim your pension, your total monthly payment could be made up of any benefits you've earned in the 1995 Section, 2008 Section and the 2015 NHS Pension Scheme.

You can claim these benefits at different times. You can start receiving your 1995 Section benefits without any reductions from age 60 (or 55 if you’re a Special Class member).

You can claim your 2008 Section benefits from age 65, and your and 2015 Scheme benefits from age 65 or your state pension age, whichever is later.

Image showing how your pension will include any benefits you’ve claimed from the 1995 Section and the 2008 Section and the 2015 Scheme in one monthly payment.

When you take your pension, each month you’ll receive one monthly payment. This will include any benefits you have claimed from the 1995 Section and the 2008 Section and the 2015 Scheme.

You can find out more about how your pension benefits are calculated in each Section / Scheme in 1995/2008 member guide (PDF: 4.97MB) and 2015 member guide (PDF: 3.26MB).

You’ll keep any pension benefits you’ve earned in legacy schemes

If you are member of the 1995/2008 Scheme, you‘ll keep any service you have earned before 1 April 2022 in the legacy scheme and you’ll be able to access these benefits in the same way and at the same time as you can now.

You won’t lose your final salary link if you have one

You’ll also keep your final salary link for your 1995/2008 Scheme benefits. This means when it’s time to pay your 1995/2008 benefits, they’ll be calculated using your final salary at retirement.

Any pension benefits you earn on or after the 1 April 2022 will be in the reformed 2015 pension scheme

This makes sure the government’s aims of rewarding hardworking public servants, as well as making sure schemes are sustainable and affordable in the future, are met. 

We’ll share more information on how these changes will be made as this becomes available.

Finding more information

If you have any questions, you’ll find more information on our knowledge base. We update this regularly.

Read our 2015 Scheme member guide (PDF: 3.26MB) for more information on the 2015 NHS Pension Scheme, or visit our Member Hub.