NHS Pension Choice

Q: I started working late for the NHS and only joined the NHS Pension Scheme (NHSPS) in 1997. Four years later I started buying the maximum added years to age 65. I will be 60 in 2012 but need to continue working until I am 65. My current superannuable earnings are around £70,000 a year. I understand I will get a NHS Pension Choice pack later this year giving me the option to change to the NHSPS 2008 section. In view of the proposed hikes in NHSPS contributions from April 2012, I am in a quandary. Should change to the 2008 section or stay in the 1995 section and take 24-hour retirement at age 60. Can you advise?

by Kevin Quinn

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