Estimated pension benefits and annual benefit statements
Administrators of occupational pension schemes have a legal duty to provide scheme members with regular details of their pension benefits. SPPA automatically produces annual benefit statements for NHS Scotland pension scheme members and can also produce estimates for members who are within 12 months of their intended retirement date.
Members can request one free estimate in a 12 month period while additional requests and multiple requests covering different scenarios will incur an administration charge.
Pension benefit estimatesWhile we make every effort to ensure estimates are accurate, we can only provide exact figures when your final pay and service details are known and an application for retirement benefits has been made.
Accessing your annual benefit statement
If you're in active employment, you can register for our online member service where you can access and print copies of your annual benefit statement.
Your annual benefit statement estimates your pension benefits accrued up to the end of the most recent financial year based on your pensionable service and / or salary details as confirmed by your employer.
For most members, benefit statements are updated annually and made available to view online. However, this may not be the case if:
- you've left the NHS with your benefits preserved in the Scheme
- you’ve had a disqualifying break in service of more than 12 months
- you have more than one contract currently active.
If your annual benefit statement is not available through our online service and you haven't received an estimate within the last 12 months, we can provide one on request.
Requesting an estimate
As long as you’ve reached your minimum pension age, you can ask for an estimate of your benefits. Normally, we can only provide estimates if you’re within one year of retirement, or your normal pension age, however, this will depend on your circumstances when you make your request.
We can’t accept estimate requests made by telephone, so you’ll need to contact us in writing or by email, and confirm the following details:
- Superannuation / SB number
- National Insurance number
- name and home address
- date of birth
- details of the information required.
The estimate will be based upon your pensionable service and salary details provided by your employing authority, and we'll consider any relevant information on your record, such as protection of pay or service breaks when calculating your estimate.
Active members who are still working
If you're still working in the NHS, we can estimate what your pension and lump sum is likely to be when you retire.
If you intend to claim your pension before your normal pension age, the estimate will take into account any applicable reduction for early payment.
If you've left the NHS with your benefits preserved in the scheme, and are thinking of claiming your pension in the next 12 months, we can provide an estimate of what it may be.
If you haven't reached your minimum pension age, or won't be claiming your pension within the next 12 months, we can only provide an estimate of your pension’s current value.
Again, if you intend to claim your pension before your normal pension age, the estimate will take into account any applicable reduction for early payment.
Ill health retirement
If your NHS HR or Occupational Health department considers ending your employment on the grounds of ill health, we can provide an estimate of what your benefits will be.
If you've already left the NHS with your benefits preserved in the scheme and you're too ill to carry out any form of employment, we can also estimate your likely benefits.
While there's no minimum age for requesting an estimate of ill health retirement benefits, they can only be paid subject to your application being assessed and approved by an independent Medical Adviser - see our NHS Ill health retirement section.
If you're in the 2008 section or 2015 scheme and you're thinking of taking partial retirement, we can provide an estimate for this as long as you meet the application criteria.
Premature retirement due to redundancy or interests of efficiency of the service
If you've reached your minimum pension age and are due to leave the NHS through redundancy or in the interests of efficiency of the service, your employer can request an estimate of your potential benefits.
Authorising a financial adviser to contact SPPA
We are able to accept requests from financial advisers as long as they can provide a mandate, signed by you authorising the release of the requested information and the request is made within 12 months of your projected retirement date. We’re able to provide the following details on your behalf:
- a statement of accrued benefits, or, where possible, estimates allowing for service to normal pension age based on your current salary, and;
- a statement of the benefits payable if you were to die in service.
As well as estimates and annual benefit statements we have a range of calculators that can be used by active, deferred and practitioner members to estimate retirement benefits to future dates or scenarios of your choice.
Please note: Our calculators are only available for members with a minimum pension age of 55. If you have a minimum pension age of 50 you'll need to contact us to request an estimate, however you must be within 12 months of your intended retirement date to receive one.