1995 pension scheme members who have retired and returned

March 27, 2023

If you’ve already retired and taken your 1995 section benefits and then returned to NHS work, you will be able to join the NHS 2015 pension scheme and build up further pension benefits from 1 April 2023.

Before the changes take effect on 1 April 2023, you’ll have previously been unable to build up further benefits in the 2015 Scheme. As a result, you may have an alternative pension arrangement, for example, the national employment savings Trust (NEST), or you may not be contributing to a pension scheme at all.

If you are an eligible member to join the 2015 Scheme from 1 April 2023 and wish to take up the option, please email or write in to the pensions department at Trinity House, Sandwell stating you wish to join the NHS Pension Scheme. We will need to end your membership set up for you with the alternative pension scheme provider (NEST).

Contribution rates in the 2015 pension scheme will be deducted according to your actual earnings.

Note: You may be able to transfer the alternative scheme pension into the 2015 NHS pension scheme if you have not reached state pension age.