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Money Purchase Additional Voluntary Contributions (MPAVC)
MPAVC allows you to make more contributions to build a separate retirement fund.
How MPAVC works
The additional contributions you make are invested. They are used to supplement your main scheme benefits at retirement or later.
You can take up to…
Stakeholder pensions
Stakeholder pensions are an alternative way of saving for retirement.
They are not normally recommended as a main pension for someone who can join the NHS Pension Scheme.
Your employer must offer an NHS stakeholder pension if you cannot join the…
Bigger lump sum purchase
This is only for people who were members of the Scheme before 25 March 1972 (1995 Section only).
It applies to anyone who either:
is or has been married
has a civil partner
has a surviving Scheme partner
The person must be nominated to…
Half Cost Added Years
You may be able to buy membership back as added years at half cost if you:
are a member of the 1995 Section
had Scheme membership refunded on or before 6 April 1978 (or a later period when you were a self-employed practitioner)
The option to…
Tax implications
Contributions paid to increase benefits qualify for full tax relief. They cannot exceed 100% of your taxable pay.
Lifetime Allowance
Since 6 April 2006 HM Revenue and Customs (HMRC) has set a Lifetime Allowance limit. This is on tax free pension…
3rd level child
3rd level child
Change your personal details
It’s important you keep your personal details up to date with your employer.
Personal details include:
name
address
email address
telephone number
gender
If you’re not currently employed by the NHS, contact us to update your details.…
3rd level child 2
3rd level child 2
Privacy notice: Check what help you could get to pay for NHS costs
The NHS Business Services Authority is responsible for this online service.
We will use the information you enter to work out if you are:
able to get help to pay NHS costs
eligible to apply for help with NHS costs online
We only hold the…
2nd level child 2
2nd level child 2