Superannuation

Confused by Type-2 Self-Assessment forms?

With the deadline for completion of Type 2 certificates by the end of February, we thought we’d cover some of the questions we’ve been asked recently. Why do we have to fill in a form? The intention of the certificate is to check that the right tier rate has been applied and to provide a…
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Beware the NHS pension annualisation booby trap

ARCHIVE | Since this article was published on 24 January 2018, the situation regarding the legitimacy and application of annualisation has moved on. Taking a one day break from the 2015 scheme automatically triggers annualisation BMA withdraws its guidance on annualising of 2015 pension scheme contributions, 23 February 2018 Brief respite for GPs struggling to…
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The worth of NHS pensions

I have often heard people say it’s not worth being in the NHS pension scheme. Despite the changes, for 99% of people this is just not true and I would love to be a member of either the 1995, 2008 or 2015 pension scheme. There are fantastic scheme guides on the NHS website and I…
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Appeal to raise £100k for family of locum Helen Sanderson

An appeal has begun to raise £100k for family of locum Helen Sanderson because of the death-out-of service-loophole within the NHS pension scheme. Helen died on Christmas eve last year, and because of a gap in the life assurance cover within the NHS pension scheme, since Helen's only current contributions to the scheme were as a…
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What is a GP locum worth to the NHS?

A little known loophole in the NHSPS ‘Death in Service’ benefit regulations for GP locum members has been thrust into the spotlight by a bereaved family’s ongoing fight to secure the lump sum it believes is due to it. Helen Sanderson, a Merseyside GP locum, died suddenly on Christmas Eve 2014. She was just 40…
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