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Applying for your pension

When you're ready to take your NHS Pension, you'll need to apply for it.

The NHS Pension Scheme overview (PDF: 180KB) provides more detail about the different pension schemes you could be in.

Read the retirement guide (PDF: 1.16MB) before applying for your pension.

There are different types of retirement.

Reaching normal pension age

1995 Section - age 60 or 55 if you have Special Class status

You’ll get a pension and retirement lump sum based on your scheme membership and the best of your last 3 years’ pensionable pay.

2008 Section - age 65

You'll get a pension based on your scheme membership and reckonable pay. Your reckonable pay is the average of the best 3 consecutive years’ pay in the last 10.

2015 Scheme – same as your State Pension age or age 65 if that is later

You will get a pension based on 1/54th of your pensionable pay for each year that you have contributed to the scheme.

The pension you get is increased each year by a method known as revaluation. 

Before you apply

Read the age retirement factsheet (PDF: 160KB) for more about how we calculate your NHS Pension.

Taking early retirement

The earliest age you can draw your pension is the minimum pension age.

We reduce an early retirement pension, as it is being paid early and will be in payment for longer.

The reduction depends on how many years before normal pension age it is being claimed.

1995 Section

If you joined the 1995 Section before 6 April 2006 you can choose to take early retirement from age 50. 

If you joined the 1995 Section on or after 6 April 2006, your minimum pension age is 55 unless you have a protected minimum pension age. If you returned to the scheme after this date, this might also apply to you.

2008 Section and 2015 Scheme

The minimum pension age is 55.

Before you apply

Read the early retirement factsheet (PDF: 78KB) for more information.

Being made redundant

Your benefits may be paid immediately if you retired early due to either:

  • redundancy
  • the interest of efficiency of the service

Read the redundancy retirement factsheet (PDF: 107KB) for more information.

Ill health

You may be able to retire early and take your pension benefits if you’ve been, both:

  • a member for a minimum 2 years’
  • too ill to work in your present job

Information to read before you apply:

Ill health retirement tiers and FAQs (PDF: 197KB)

Ill health retirement assessment factsheet (PDF: 116KB)

Serious ill health (where life expectancy is less than 12 months) (PDF: 111KB)

There are flexibilities within the schemes that help you transition from work to retirement.

For more information, read the 1995/2008 member guide (PDF: 4.97MB) or the 2015 member guide (PDF: 3.27MB).


If you're in good health you can choose to give up part of your own pension. You can do this to provide a pensions for someone when you die.

This can be to a spouse, civil partner, qualifying partner, child or someone who is dependent on you for support. You must nominate before you retire and you cannot reverse this decision once made.

Read the Member Allocation factsheet (PDF:129KB) for more information

You can apply by using the AW9/11A application form (PDF:130KB)

If you're in the 1995 Section or you opted to move to the 2008 Section, you'll automatically receive a lump sum when you retire.

If you’re in the 2008 Section or 2015 Scheme, you can ask to take some of your pension as a lump sum.

Use the pension commutation calculator (Excel: 20.1KB) to work out what you may get if you choose to exchange some of your pension in return for a lump sum on retirement.

If you use the calculator, only input benefit figures provided on your Annual Benefit Statement.

Read the retirement guide (PDF: 1.16MB) for more information.

Read our trivial commutation factsheet (PDF: 188KB) for more information about the trivial commutation of small pensions.

Watch this video if you’re an active member:

Download the video transcript (PDF: 99KB).
For more information you can view our Active member flowchart (PDF: 79KB).

Watch this video if you’re a deferred member:

Download the video transcript (PDF:98KB).
For more information you can view our Deferred member flowchart (PDF: 63KB).


Read the bank payments overseas factsheet (PDF: 68.4KB) before completing the relevant form:

Andorra (Word: 389KB) Germany (Word:261KB) Oman (Word: 250KB)
Antigua (Word: 397KB) Ghana (Word: 256KB) Pakistan (Word: 213KB)
Australia (Word: 443KB) Greece (Word: 261KB) Peru (Word: 244KB)
Austria (Word: 214KB) Grenada (Word:252KB) Philippines (Word: 264KB)
Bahamas (Word:203KB) Guinea-Bissau (Word: 264KB) Poland (Word: 262KB)
Bahrain (Word: 201KB) Guyana (Word: 212KB) Portugal (Word: 263KB)
Bangladesh (Word: 202KB) Hong Kong (Word: 220KB) Qatar (Word: 260KB)
Barbados (Word: 203KB) Hungary (Word: 213KB) Romania (Word: 201KB)
Belgium (Word: 203KB) Iceland (Word: 218KB) Saudi Arabia (Word: 264KB)
Belize (Word: 200KB) India (Word: 398KB) Singapore (Word: 263KB)
Bermuda (Word: 202KB) Indonesia (Word: 212KB) South Africa (Word: 255KB)
Bulgaria (Word: 200KB) Ireland (Word: 211KB) Spain (Word: 262KB)
Canada (Word: 214KB) Israel (Word: 211KB) Sri Lanka (Word: 202KB)
Chile (Word: 198KB) Italy (Word: 211KB) St Kitts (Word: 253KB)
China (Word: 197KB) Jamaica (Word: 212KB) St Lucia (Word: 254KB)
Columbia (Word: 198KB) Jordan (Word: 203KB) St Vincent (Word: 252KB)
Cook Islands (Word: 201KB) Kenya (Word: 386KB) Sweden (Word: 262KB)
Costa Rica (Word: 201KB) Luxembourg (Word: 211KB) Switzerland (Word: 260KB)
Cyprus (Word: 212KB) Malaysia (Word: 212KB) Taiwan (Word: 249KB)
Czech Republic (Word: 200KB) Malta (Word: 212KB) Thailand (Word: 253KB)
Denmark (Word: 212KB) Mauritius (Word: 212KB) Trinidad and Tobago (Word: 253KB)
Dominica (Word: 212KB) Mexico (Word: 254KB) Tunisia (Word: 239KB)
Dominican Republic (PDF: 211KB) Morocco (Word: 226KB) Turkey (Word: 262KB)
Ecuador (PDF: 198KB) Nepal (Word: 242KB) UAE (Word: 261KB)
Egypt (PDF: 265KB) Netherlands (Word: 247KB) Uganda (Word: 201 KB)  
Finland (PDF: 261KB) New Zealand (Word: 233KB) USA (Word: 255KB)
France and Monaco (PDF: 261KB) Nigeria (Word: 201KB) Vietnam (Word: 264KB)
  Norway (Word: 247KB) Yemen (Word: 224KB)
    Zimbabwe (Word: 225KB)

Watch our video if you've returned to work after taking your NHS pension:

Download the video transcript (PDF: 109KB).

Watch our video if you've returned to work after taking ill-health retirement:

Download the video transcript (PDF: 110KB).

Read our factsheets for more information about returning to work:

Returning to work following your retirement (PDF: 125KB)Returning to work following ill-health retirement (PDF: 130KB)

Read the relevant Key Notes for more detailed information about your pension award.

These include:

  • how your benefits have been worked out
  • survivor benefits
  • retirement lump sums
  • pay information
  • membership
  • pensions increase
  • pension sharing or earmarking

1995 Section (PDF: 144KB)2008 Section (PDF: 199KB)2015 Scheme (PDF: 137KB)Ill health retirement (PDF: 170KB)