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All change with National Insurance contributions

14th April 2015 by Liz Densley — Honey Barrett

All change with National Insurance contributions

I have often mentioned the National Insurance contribution (NIC) problems that can arise when a doctor has both a salaried position and freelance work. It applies mainly to locum GPs and consultants with private practice, but it can apply to partners with a salaried appointment too). Up until now you needed to apply for deferment of Class 4 NIC, so that you didn’t pay too much NIC in the first place and then have to get it back afterwards.

Historically, if you didn’t ask, you didn’t get it and we have managed to obtain some huge refunds (thousands of pounds) for some doctors who didn’t know about it.

In recent years the department are getting better at picking up those they think may have overpaid, although it is certainly not foolproof, and are writing to them to ask for further information to review the overall position.

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"I fell into a salaried role post-CCT, so faced with an unexpected relocation to a completely new area of the country the thought of GP locuming was incredibly daunting.

The assistance I have received from NASGP has been invaluable. I have received excellent and patient admin support when setting up my LocumDeck account. I have enjoyed the monthly chambers meetings I have attended: this made locuming feel far less isolating.

I have easily found plentiful work and am grateful for the invoicing and pension forms being taken care of – this gives me time to focus on the clinical work or make the most of precious days off.

With the support of NASGP Locum Chambers I have filled my diary working in a variety of practices in my new area, and have now joined one practice I enjoyed locuming at on a salaried basis while I continue to do some locum work on top using LocumDeck."

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