McCloud Remedy applies to your split membership. If you had NHS Pension service between 1 April 2015 and 31 March 2022, you may have retrospective rights to remain in your legacy scheme for that period. NHS Pensions is issuing Remediable Service Statements. Your contribution rate below is based on the 2015 scheme rate (the rate actually deducted from pay), regardless of final benefit calculation.
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1995 Section — Final salary scheme. Pension = 1/80th of final pensionable pay × years of service. Lump sum = 3× pension. Normal Pension Age 60. Contribution rate based on pensionable pay tier. Only open to existing members; closed to new entrants since 2012.
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2008 Section — Final salary scheme. Pension = 1/60th of final pensionable pay × years of service. No automatic lump sum (can commute). Normal Pension Age 65. Contribution rates same tier structure as 2015. Closed to new entrants since 2015.
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2015 CARE Scheme — Career Average Revalued Earnings. Each year you earn a pension of 1/54th of that year's pensionable pay. Revalued annually by CPI+1.5%. Normal Pension Age linked to State Pension Age. All new NHS staff join this scheme.
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You have opted out. No pension contribution deducted. Note: the NHS employer contributes ~23.68% of your salary to the scheme regardless. By opting out you are giving up significant employer-funded pension benefit. Consider taking independent financial advice before opting out permanently.
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Tapered Annual Allowance may apply.
Monthly Take-Home Pay
£0
£0 per year after all deductions
£0Gross/Month
0%Effective Tax
0%Pension Rate
🚨 Tapered Annual Allowance Warning
Tax Deductions /month
Income Tax£0
Nat. Insurance£0
Student Loan£0
Salary Sacrifice£0
Total Deducted£0
NHS Pension /month
Your Scheme—
Contribution Rate0%
You Pay /month£0
You Pay /year£0
Employer adds+£0
Pension Scheme Detail
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McCloud Remedy: If you have NHS Pension service 1 Apr 2015 – 31 Mar 2022, you may be entitled to the better of your legacy scheme or 2015 CARE benefits for that period. NHS Pensions will issue a Remediable Service Statement. No action needed now — but seek advice before taking benefits.
Where Your Gross Salary Goes
💚 Take-Home Pay0%
🔵 Income Tax0%
🟡 National Insurance0%
🩺 NHS Pension0%
📚 Student Loan0%
🔄 Salary Sacrifice0%
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Estimates only for 2024/25 tax year. Pension figures show contribution rates (what is deducted from pay), not projected benefit values. McCloud remedy and tapered allowance guidance is informational only. This is not financial advice. Verify with your payslip and consult a qualified financial adviser or NHS Pensions for personalised guidance.