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Pension “buy back” opportunity for some NHS Pension Scheme Members

Pension “buy back” opportunity for some NHS Pension Scheme Members

Date

19 May 2025

Category

Tax

Author

James Broom

Pension “buy back” opportunity for some NHS Pension Scheme Members

This opportunity applies to individuals who opted out of the Scheme during this time due to the age discrimination identified as part of the 2015 pension reforms.

This is a real chance for those impacted to potentially boost their pension by buying back some, part, or all of those previously opted-out years.

What’s required?

  • Step 1: Request your quote through NHS Pensions
    You’ll need to provide information about your opted-out service and working history, including details from your employer(s).
  • Step 2: Employer’s role
    Send the form to your employer for completion. If you had multiple employers, each will need to complete a separate declaration.
  • Step 3: Next steps
    Once NHS Pensions receive the completed form, they will calculate the cost and send you a personal illustration of your options.
  • Step 4: Make your decision
    Review your personal illustration and decide whether to make the additional contributions to buy back the service.

We are here to help

This process can feel a little complex, but we’re here to support those impacted every step of the way. If you have any questions or need help getting started with your claim, please get in touch with Neil Morrison for Scotland, James Broom, for England or Rebecca Read for Wales.

Get in touch

James Broom

Partner