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Which section(s) of the NHS Pension Scheme are you in?

When we speak to medical professionals, it’s not uncommon to find that they’re unsure of which section or sections of the NHS Pension Scheme they’re in!

Hopefully this should help;

If you joined before 1 April 2015, it is likely that you are a member of more than one section of the scheme. The sections you are a member of will depend on when you joined the scheme.

  • If you joined the scheme before 1st April 2008 then you will have joined the 1995 section initially.
  • If you joined between 1st April 2008 and 1st April 2015, then you initially joined 2008 section.
  • If you joined after 1st April 2015 then you joined the 2015 scheme and will not be affected by the McCloud judgement

When the 2008 section was introduced, members of the 1995 section were given the opportunity to switch from the 1995 section to the 2008 section.

If you joined on or after 1st April 2012 but before the 1st April 2015, then you will have joined the 2008 scheme but then moved to the 2015 scheme on 1st April 2015. If you fall into this scenario, you will not be affected by the McCloud Judgement.

If, like a lot of members we speak to, you're unsure that your NHS Pension record is up to date or indeed a correct reflection of your career pathway and earnings/contributions to date then we can assist you through our NHS Pension Management Service.  Talk to our Client Services Manager for further details. 

Julie Mudditt

Julie Mudditt

NHS Pensions Manager

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  • BW Medical Accountants have a good working knowledge of General Practice and are keenly aware of the challenges Practices face within the changing environment of the NHS.  We have been very impressed by the way BW Medical continue to deliver the range of services they provide from Accounts to Tax and NHS Pension advice. 

    We have found Practice consultation and engagement from BW Medical specifically helpful to shape the future of the Practice.

    GP Partner
    GP Practice, Newcastle
  • We had no hesitation in moving to BW Medical Accountants.  For any business your accountant is integral, and for us one of the most important factors to this relationship is to have a personal and trusting approach, which BW have undoubtedly achieved. 

    The service we receive and the interest they show in our practice assures us that they have a genuine interest in us and commitment to us.  More importantly they are always helpful and polite to answer even the dumbest of questions!  They give us confidence and reassurance knowing that they are always very up-to-date with all the numerous changes within general practice and we would have no hesitation in recommending them to other practices seeking a professional and personal accountancy service.

    Jackie Rotherham, Practice Manager
    The James Street Family Practice, Lincolnshire
  • We changed to BW Medical Accountants and I would say we have just had the most transparent and understandable end of year meeting and the best planning advice I have ever had in 16 years of practice.

    GP Partner

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