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Useful information for pensioners

We have useful information available for pensioners.

Your NHS pension is paid into your nominated bank account in equal amounts on the same day each month. Your payment date is on your award letter.

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. 

The increase will be applied to your pension at the beginning of April in the new tax year.

We are not able to advise the Pension Increase value before April. 

You’ll receive an ‘Advice of Payment’, detailing your new rate and percentage increase in your April and May payments.

HMRC tells us how much tax to deduct from your pension.

If you have questions about which tax code you’re on or tax liability, you can contact HMRC by:

Telephone: 0300 200 3300

You can write to:
HM Revenue & Customs,
Pay As You Earn,
PO Box 4000,
Cardiff,
CF14 8HR

You’ll need to quote your National Insurance number and PAYE reference, which can be found on your pension advice note or P60.

You might also need your NHS Pension membership number. This normally starts with the letters SD. You’ll find it on your award letter.

If you paid tax on your NHS pension we’ll send you a P60 by mid May.

The P60 includes information about the pension we have paid you and the tax deducted during the tax year.

We will not send a P60 if no tax was taken.

The amount before tax shown on your P60 is usually different from the yearly rate paid for most of that year.

This is because either:

  • your pension started during the tax year
  • it was not paid in full for the whole of the tax year

For any queries about your P60 contact HMRC.

We’ll only send you a monthly payslip if there has been a change to your pension because of a tax code change or you have received Pensions Increase.

Contact us if you need to request a payslip.

Payslips can only be issued for the current tax year. This runs from April until March.

We’re required by law to attach court fines to pension records if notified by the proper authorities.

The contact details of the organisation applying the fines will be on your award letter.

For further information or to question the application of the fine, you must contact this organisation.

We don’t have access to the specific details of the fines applied to your pension.

This order is made by the Child Maintenance and Enforcement Commission under child support law.

 Their details will be on your award letter.

For further information or to question the application, you must contact them..

We don’t have access to the specific details of the fines applied to your pension.

Information about the Lifetime Allowance is available in the Member Hub.

When applying for your pension you might have chosen to make voluntary deductions to go to the British Health Care Association.

Details of the voluntary deductions are on your pay slip. These deductions will normally be made monthly.

If you want to cancel or change these deductions, you must contact us.

The full list of organisations you can make voluntary contributions to is in the Retirement Guide.

Your original award letter has details of the pension your dependant’s may receive when you die.

If you would like a more up to date calculation, you can contact us.

If you have eligible dependent children then a children’s pension may be payable when you die.

Child dependants can include:

  • biological children
  • children of your civil partner or nominated qualifying partner
  • step children or adopted children
  • a brother or sister of you, your spouse, civil partner or nominated qualifying partner
  • a nephew, niece of you, your spouse, civil partner or nominated qualifying partner
  • a half-brother, half-sister, step brother, step sister of you or your spouse, civil partner or nominated qualifying partner
  • children born before you left the Scheme with deferred benefits
  • children born within 12 months of the date you retired

Payment of a children’s pension depends upon which scheme you’re in.

If your Scheme membership started on or after 1 April 2008

A children’s pension may be paid if the child is dependent on you, both at retirement and when you die.

The child must be either:

  • under the age of 23
  • aged 23 or over and incapable of earning a living due to permanent physical or mental illness they have when you die

If your Scheme membership ended before 1 April 2008

A children’s pension may be paid if the child is dependent on you, both at retirement and when you die.

The child must be either:

  • under the age of 17
  • aged 17 or over but has not reached age 23 and is continuing in full time education or training
  • aged 17 or over and incapable of earning a living due to permanent physical or mental illness they have when you die

When the child reaches age 17 the pension will be suspended unless we get confirmation they’re going to continue in full time education. We’ll send the parent or guardian of the child a form each year to check.

The children’s pension will stop if we do not receive confirmation.

      If a child takes a gap year from full time education their pension will stop for this period.

      The parent or guardian of the child must let us know that they intend to take a gap year and return to their studies after this time.

      We’ll need proof that they’ve returned to full time education before the pension can be put back into payment.

      The pension may still be payable if the child has been accepted for either:

      • an apprenticeship
      • vocational training
      • an internship

      The pension may be subject to the child earnings cap. We’ll need confirmation from their work placement of their start date and earnings.

      Overpayments may happen if the parent or guardian of the child doesn’t let us know about a change in their circumstances.  All overpayments must be repaid.

      We’ll send you a newsletter every April with your P60.

      We’d like to keep in touch by sending this newsletter by email in the future. You can subscribe to the newsletter.

      Read the 2018 edition of the pensioner newsletter (PDF: 254KB).