NHS Pension – Age Discrimination (McCloud Judgment)

As life expectancy has increased over the last few decades, so has the headaches for the government with respect to public sector pension schemes. The first step the government took to try and address this was in 2008 (re the NHS Pension) with the ‘choices’ exercise, where 1995 scheme members were offered the option of […]

NHS Pension Scheme and 2019/20 Annual Allowance charges

Pensions Savings Statements are prompting enquiries on annual allowance charges. Here’s a reminder of the special provisions that apply in respect of annual allowance charges of NHS clinicians in England and Wales for the 2019/20 tax year. Many clients working in the NHS will have recently received Pensions Savings Statements for tax year 2019/20 which […]

NHS Pension Scheme – Scheme Pays Change

The NHS pension scheme has made a change to the scheme rules to permit voluntary scheme pays. A pension scheme must offer mandatory scheme pays as a mechanism to pay the annual allowance charge if the member has contributed in excess of the standard annual allowance and their annual allowance liability is more than £2,000. […]

7 Mistakes Dentists Make After Retirement 

So you want to know the 7 mistakes dentists make after retirement? Before I go into them there’s something you need to know (and I’m sure you’ll be seeing this amongst your peers)… more and more dentists in the UK are retiring before the age of 60! The reason? Since the further reduction to the […]

What Will My Spouse Receive From My NHS Pension If I Die?

Q. I’m a Principal dentist aged 54 and have recently reduced my NHS Pensionable income from £100,000 pa to £30,000. A colleague has told me that the lump sum paid on death is 2 x pensionable income, so I’m a little concerned that my wife would only receive £60,000, instead of £200,000. Can you provide me with any guidance? […]