NHS pensions

7th July 2020 by NASGP

Although the NHS pension scheme is complex, the benefits are still seen as excellent. So it’s worth taking a little time to understand it and get the paperwork right – and we’re here to help.

When we set up the NASGP in 1997, GP locums weren’t entitled to contribute to the NHS pension scheme, so our first priority was to lobby the BMA to change that. Since then, we’ve developed a range of advice, support and resources to help you benefit from the scheme with the minimum effort.

Of course, your pension is extremely important to you, so you should also seek expert advice from an independent financial advisor.

The basic rules for NHS pensions

  • The pay you get for locum work in GP practices qualifies for the NHS pension scheme, as long as the practice pays you directly, not through a limited company or agency.
  • Income from locum work for independent providers does not qualify.
  • Your pension is based on 90% of your NHS locum earnings – there’s a 10% allowance for expenses.
  • In England and Wales, the GP practice must pay you the 14.38% employer contribution, which you must pay into the pension scheme. It’s illegal to keep the employer contribution.

Getting the admin right

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