It's taking us longer than usual to process payment of retirement benefits. While we prioritise making payments to our members, it may take us longer than usual to process requests for estimates and transfers.
When you're ready to take your NHS Pension, you'll need to apply for it.
The NHS Pension Scheme overview (PDF: 178KB) provides more detail about the different pension schemes you could have pension benefits in.
Read the retirement guide (PDF: 4.68MB) before applying for your pension.
There are different types of retirement.
You’ll get a pension and retirement lump sum based on your scheme membership and the best of your last 3 years’ pensionable pay.
You'll get a pension based on your scheme membership and reckonable pay. Your reckonable pay is the average of the best 3 consecutive years’ pay in the last 10.
You will get a pension based on 1/54th of your pensionable pay for each year that you have contributed to the scheme.
The pension you get is increased each year by a method known as revaluation.
Read the age retirement factsheet (PDF: 160KB) for more about how we calculate your NHS Pension.
The earliest age you can draw your pension is the minimum pension age.
We reduce an early retirement pension, as it is being paid early and will be in payment for longer.
The reduction depends on how many years before normal pension age it is being claimed.
If you joined the 1995 Section before 6 April 2006 you can choose to take early retirement from age 50.
If you joined the 1995 Section on or after 6 April 2006, your minimum pension age is 55 unless you have a protected minimum pension age. If you returned to the scheme after this date, this might also apply to you.
If you have deferred benefits in the 1995 Section and then join the 2008 Section, your minimum pension will be age 55 even if you joined before 6 April 2006.
The minimum pension age is 55.
Your benefits may be paid immediately if you retired early due to either:
For information on retiring with ill health benefits, visit our dedicated webpage Applying for ill health benefits.
There are flexibilities within the schemes that help you transition from work to retirement.
Once you reach 55 years old, or 50 if you have a protected minimum pension age, you can choose to take part, or all of your pension benefits while you continue working in NHS employment and build your pension benefits in the 2015 Scheme. This is called partial retirement – it may also be known as drawdown.
This is already possible for pension benefits you've earned in the 2008 Section or 2015 Scheme and from 1 October 2023, it will also include any 1995 Section benefits you have.
From 1 October the amount of pension benefits you can take through partial retirement is also changing. You'll be able to take between 20% and 100% of all your pension benefits in one or two drawdown payments, without having to leave your current job.
You can find more information on our partial retirement webpage.
If you're in good health you can choose to give up part of your own pension to provide a pension for someone when you die.
This can be to a spouse, civil partner, qualifying partner, child or someone who is dependent on you for support. You must nominate before you retire and you cannot reverse this decision once made.
If you have pension benefits in the 1995 Section or you opted to move to the 2008 Section, you'll automatically receive a lump sum when you retire.
If you’re in the 2008 Section or 2015 Scheme, you can ask to take some of your pension as a lump sum.
Use the pension commutation calculator (Excel: 20.1KB) to work out what you may get if you choose to exchange some of your pension in return for a lump sum on retirement.
If you use the calculator, only input benefit figures provided on your Annual Benefit Statement.
Read the retirement guide (PDF: 4.68MB) for more information.
Read our trivial commutation factsheet (PDF: 188KB) for more information about the trivial commutation of small pensions.
When you are retiring you need to apply for your NHS pension using the appropriate application form.
Depending on what type of member you are you will need:
If you're an active member of the NHS Pension Scheme or have opted out of the Scheme but remain in NHS employment and are retiring directly from NHS work, your employer should give you this form. Please complete the form and return it to your employer as soon as you can. To take your benefits in full you must retire for a minimum of 24 hours.
If you've left NHS employment completely and are claiming deferred pension benefits or have some retained NHS pension rights, you can download and print the deferred benefits claim form (AW8P) (PDF: 425KB). As well as downloading and printing the AW8P, you'll need to complete and print the member checklist (PDF: 178KB).
Complete the forms and return it to us using the address on the form.
If you're a Pension Credit member you can download and print the pension credit benefits claim form (AW8PC) (PDF: 341KB). As well as downloading and printing the AW8PC, you'll need to complete and print the member checklist (PDF: 178KB).
Complete the forms and return it to us using the address on the form.