Retirement age

Q: My husband (a surgeon) and I (a salaried GP) are in the 1995 Section of the NHS Pension Scheme (NHSPS). We have been buying added years in the scheme for the past five years with an aim of having 40 years of NHS service by age 60. If the NHSPS retirement age were to be increased to age 65 or older, we would have 40 years' service without needing the added years. What would be the benefit of continuing to buy them in these circumstances? Could we stop paying them? What, if any, benefit would we gain from the contributions made so far, or could we claim them back?


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