Which tier you choose depends on which scheme you’re in (’95, ’05 or ’15)

Advice to NASGP as part of our membership of the NHSPS Stakeholder Engagement Group

As a freelance GP locum, if you're a member of the 1995 or 2008 NHSPS, your tiered contributions rate is based on your actual freelance GP locum Practitioner pensionable pay.

However, if you're a member of the new 2015 NHSPS, your tiered contributions rate is based on your annualised freelance GP locum Practitioner pensionable pay. (If, as 2015 scheme members, you don't have any breaks, then your actual and annualised pay would both be the same).

So long as, as a freelance GP locum, you perform pensionable work at least once every three months, your pension record will be kept open and so, for the purposes of tiered contributions only, will be regarded as being continuous, meaning that actual and annualised are the same.

Beware the NHS pension annualisation booby trap

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