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Additional Pension

Additional Pension is a flexible way of increasing your NHS pension.

You can choose to buy a set amount of annual pension.

You can pay by either:

  • a lump sum payment
  • regular contributions deducted from pay for an agreed period

You can buy Additional Pension at any time during the year as either:

  • personal cover that increases your own pension benefits only
  • dependants cover that increases your pension and the benefits payable to your spouse, partner or dependant children after your death

Additional Pension does not include an automatic lump sum. Although you can include your Additional Pension in the total pension exchanged for a lump sum.

The cost of buying Additional Pension is the same whether you work full or part-time.

Before using the calculator, read the Additional Pension factsheet (PDF: 126KB) for more information.

How to apply

Our Additional Pension (AP) calculator provides you with a partly completed application form.

You should complete the remaining personal details, then pass the form to your employer or Pension Officer.