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Guaranteed Minimum Pension (GMP)

GMP is the minimum amount of pension you must, by law, receive from your pension scheme if you worked between 6 April 1978 and 5 April 1997.

How GMP affects you

Anyone who worked between theses dates would have been contracted out of the State Earnings Related Pension Scheme (SERPS). This includes the NHS Pension Scheme.

Your GMP forms part of your pension from the date you become eligible to receive your state retirement pension.

Your GMP amount

Your GMP amount is broadly equivalent to what you would have received if you had been in the State Earnings Related Pension Scheme for that period of service.

Your pension will:

  • usually be larger than the guaranteed minimum
  • include your GMP amount, it is not an extra amount to be paid 
  • be increased up to the GMP amount if it is smaller than the GMP amount

The amount of GMP varies from person to person depending on earnings on which you have paid contracted out National Insurance contributions.

How your GMP is applied

The Pensions Service, which is part of the Department for Work and Pensions (DWP), will write to you when you near state pension age and tell you how much your weekly GMP is. They will also notify us. 

We convert the weekly amount to an annual amount. 

NHS pensions are subject to an annual increase which is based upon the Consumer Price Index (CPI) as laid down by HM Treasury every year. This increase is applied at the beginning of April in the new tax year.

Read the Retirement Guide (PDF: 1.4MB) for details on how Pensions Increase and GMP are applied.

How your GMP is calculated

If you need to know how your GMP is calculated, you can contact HMRC.

You can write to:

NI Contributions Office
Retirement Pensions and Widows Benefits
Benton Park View
Newcastle Upon Tyne
NE98 1ZZ

If you need to know how GMP affects your state pension, you can contact The Government Pensions Service by:

Telephone: 0800 731 0469.