About the NHS Scotland 2015 scheme

The NHS Scotland Pension Scheme 2015 replaced the previous schemes on 1 April 2015. All new NHS employees in Scotland are now automatically enrolled in to the scheme. Additionally, if you’ve previously been a member of one of the earlier NHS pension schemes in Scotland, you may have been transitioned to the 2015 scheme already – or you will be at an agreed date in the future, depending on your protection status.

The scheme is a high quality workplace pension scheme that offers defined benefits at retirement and protection for your dependents based on your career average earnings.

A full Equality Impact Assessment was carried out prior to the implementation of the Scheme which assessed the impact of the new arrangements on affected groups with protected characteristics in the NHS in Scotland.

Key features

  • Benefits accrued on a Career Average Revalued Earnings (CARE) basis.
  • Normal pension age the same as the your State Pension Age.
  • Pension accrual rate of 1/54th of pensionable earnings each year.
  • Benefits for active members revalued each year using the Consumer Prices Index (CPI) plus 1.5%.
  • Benefits for preserved members increased using the CPI each year.
  • Valuable death benefits for your dependents.
  • Option to take part of your pension and continue working.
  • Enhanced pension for working longer than normal pension age.
  • Option to purchase additional pension.
  • Option to buy out the actuarial reduction if retiring from age 65 and before state pension age.
  • Option to take up to 25% of pension pot as a tax-free lump sum.

‘CARE’ schemes

How your career average revalued earnings pension scheme works.

Your pension calculator

Work out how much you’re likely to receive in retirement

Your pension estimates and annual statements

How much is your pension worth?

Joining the NHS Scotland 2015 scheme

More information on becoming a member

How much will I pay?

Your guide to personal contributions

Opting out or leaving the scheme

What happens if you opt out of the scheme or leave the NHS.

Transferring in

How to move former pensions to your NHS scheme

Death benefits

Valuable protection for your dependents

Tapered protection

What happens if you’re being transitioned to the 2015 scheme

NHS injury benefits

Injured at work? We’ve got you covered.

Additional pension savings

Options to boost your retirement funds

Further reading

The National Health Service Pension Scheme (Scotland) Regulations 2015

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