Skip to main content Skip to footer

Membership of the NHS Pension Scheme

There are two NHS Pension Schemes. They are the 1995/2008 Scheme and the 2015 Scheme.

The NHS Pension Scheme overview (PDF: 290KB) gives you more detail about each Scheme.

If you’re not sure which Scheme you’re in, you can watch our video or use our Scheme Identifier tool to find out.

Identify your Scheme

Watch our video to understand which NHS Pension Scheme you're in and what type of member you are.

Download the video transcript (PDF: 101KB).

Types of Scheme member

There are different types of NHS Pension Scheme member:

Active – a member who is currently contributing to the Scheme

Deferred – a former member who is:

  • no longer contributing to the Scheme
  • not eligible for a refund
  • not yet receiving their NHS pension

Pensioner – someone who is receiving their NHS pension

Read the member character key (PDF: 471KB) for more information about which type of member you are.

 

Scheme Membership  

Calculating membership (PDF: 99.7KB)

Maximum membership and age restrictions (PDF: 101KB)

Mental Health Officer (MHO) (PDF: 133KB)

Special Class (PDF: 128KB)

NHS Employers have put together a helpful presentation about the benefits of having an NHS Pension:

NHS Employers NHS Pension presentation (PDF: 1.5MB)

Find out how some changes in your life may impact your NHS pension:

Career breaks (PDF: 96.6KB)

Maternity, paternity, parental and adoption leave (PDF: 163KB)

Gender recognition (PDF: 129KB)

 

Membership enquiries

To get information about your membership, you need to complete a membership enquiry form.

Read our membership enquiries guide (PDF: 208KB) for more information.

Membership enquiry forms

Membership statement request (1995/2008 Scheme) (SM27A) (PDF: 168KB)

Membership enquiry - contact with the employer (SM27B) (Word: 99.8KB)

Membership enquiry - contact with NHS Pensions (SM27C) (Word: 111KB)

Request for Mental Officer status form (SM MHO) (Word: 353KB)

 

Scheme Protection arrangements

Scheme Protection allowed some members to stay in the section of the Scheme they were in on 31 March 2015.

Read the Scheme Protection factsheet (PDF: 210KB) for more information.

Full Protection

Members of the 1995 and 2008 Sections are entitled to Full Protection if, on 1 April 2012, they were either:

  • already over their normal pension age
  • 10 years or less from their normal pension age

Break in membership

To be eligible, members who were deferred on 1 April 2012 must not have a break in NHS pensionable membership of 5 years or more.

Tapered Protection

Members of the 1995 and 2008 Sections may be eligible for limited protection. This is called Tapered Protection.

To be eligible, members must have been more than 10 years, but less than 13 years and 5 months, from their normal pension age on 1 April 2012.

Break of membership

To be eligible, members who were deferred on 1 April 2012 must not have a break in NHS pensionable membership of 5 years or more.

Use our Tapered Protection calculator (PDF: 305KB) to find out the date your protection ends.

Previous public service pension scheme membership

If you were protected in a previous public service pension scheme, you may qualify for Scheme Protection.

You can apply for Scheme Protection in the 1995 and 2008 Sections if you:

  • were protected in an eligible UK public service pension scheme
  • have not had a break in public service membership of more than 5 years before joining the NHS

You can apply by downloading the Previous Public Service Membership application form (PPSM1) (PDF: 338KB).

Scheme Protection factsheets

 

Deferred pension

When you leave the Scheme, your pension will be deferred if you have either:

  • more than 2 years qualifying membership
  • less than 2 years in the Scheme, but have transferred  a personal pension in to the NHS Pension Scheme

This means the pension you have built up will remain in the Scheme. It will be paid when you reach your normal pension age.

We’ll defer your pension after you have left the Scheme for 12 months.

This is only if you haven't either:

  • transferred your pension benefits to another pension provider
  • returned to the NHS in a role where you can start building up your pension again

Protection of pay

You may be able to protect your pensionable pay if you have both:

  • 2 years’ qualifying membership
  • suffer a reduction in pensionable pay

To find out more read the Protection of Pay and Voluntary Protection of Pay factsheet (PDF: 83.1KB).

Apply for protection of pay or voluntary protection using the request to protect pensionable pay application form (SM R9) (Word: 30.7KB).