This topic explains the different NHS pensions schemes and contains information on employees who are not eligible to join the NHSPS.

In Practice

Changes to the NHSPS in April 2015

Substantial changes have been agreed to the NHSPS which will introduce a third scheme in 2015. The final details of the scheme are still not available, but in summary the scheme will consist of:.

  • a Career Average Revaluated Earnings Scheme (CARE), with benefits based on the proportion of pensionable earnings during the employee’s career

  • a higher accrual rate than either the 1995 or 2008 sections of the scheme

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