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I Advice - NHS Pension Benefits - Should You Increase Them?
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But some would argue:
•They are inflexible as once started you are committed to them
•Seen as “expensive” by some (typically 4-9% of your pay)
Additional Volunt
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This is now worth a revisit as the situation is probably changing again! For the punch drunk amongst you, we will try to keep this as painless as possible.
To be serious for a moment though, these decisions are often fundamental to your future standard of living and comfort in retirement, as well as the options to semi retire or retire earlier, so it’s worth taking the time to ensure you are making the right decisions.
Traditionally it has always been agreed that the basic NHS Pension Scheme is unbeatable, and that is still the case. However, what about 'making up' for lost benefits or attaining the 'magic 40 years service'?
What is the best way in which you can do this?
Well, the choices to date have been:
Added Years
Here, for a percentage of your pay, you can buy extra years service. For many, this is a good route as:
•They are guaranteed defined benefits and so risk free
•For married people they enhance your protection for life and illness cover as well
But some would argue:
•They are inflexible as once started you are committed to them
•Seen as “expensive” by some (typically 4-9% of your pay)
Additional Volunt
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To be serious for a moment though, these decisions are often fundamental to your future standard of living and comfort in retirement, as well as the options to semi retire or retire earlier, so it’s worth taking the time to ensure you are making the right decisions.
Traditionally it has always been agreed that the basic NHS Pension Scheme is unbeatable, and that is still the case. However, what about 'making up' for lost benefits or attaining the 'magic 40 years service'?
What is the best way in which you can do this?
Well, the choices to date have been:
Added Years
Here, for a percentage of your pay, you can buy extra years service. For many, this is a good route as:
•They are guaranteed defined benefits and so risk free
•For married people they enhance your protection for life and illness cover as well
But some would argue:
•They are inflexible as once started you are committed to them
•Seen as “expensive” by some (typically 4-9% of your pay)
Additional Volunt
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Traditionally it has always been agreed that the basic NHS Pension Scheme is unbeatable, and that is still the case. However, what about 'making up' for lost benefits or attaining the 'magic 40 years service'?
What is the best way in which you can do this?
Well, the choices to date have been:
Added Years
Here, for a percentage of your pay, you can buy extra years service. For many, this is a good route as:
•They are guaranteed defined benefits and so risk free
•For married people they enhance your protection for life and illness cover as well
But some would argue:
•They are inflexible as once started you are committed to them
•Seen as “expensive” by some (typically 4-9% of your pay)
Additional Volunt
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Well, the choices to date have been:
Added Years
Here, for a percentage of your pay, you can buy extra years service. For many, this is a good route as:
•They are guaranteed defined benefits and so risk free
•For married people they enhance your protection for life and illness cover as well
But some would argue:
•They are inflexible as once started you are committed to them
•Seen as “expensive” by some (typically 4-9% of your pay)
Additional Volunt
Better Business BirthdaysNEWSFLASH Corporate birthday ideas hit rock-bottom.Shocking but TRUE!Although Raphael was not there on his birthday his co-workers got him a cake, blew out the candles...and ate it too!And when he returned...they had another cake.Couldn't miss his "birthday" now, could they?!Yes, Raphael's celebration is like out of the pages of the National Enquirer.The office cake carousel usually gets a full work out during the year. It seems to be as far as corporate birthday ideas go in some places.Depen
But some would argue:
•They are inflexible as once started you are committed to them
•Seen as “expensive” by some (typically 4-9% of your pay)
Additional Voluntary Contributions
These are “in house” with the NHS (Standard Life, Equitable Life and Prudential) or you can buy them as “Free Standing” policies with an insurance company of your choice.
Advocates of such schemes would say:
•They are flexible as to what you contribute
•Have the potential for growth over added years if the stock markets perform
But equally:
•Since they are investment based there are no guarantees
Do Nothing
This may be due to confusion, “I can’t afford it” or sheer apathy.
However, it may be the “best” option for you, especially if you are in your 50’s.
The new proposed NHS Pension changes (if approved) will come into effect in 2008, and will have a huge impact on a scheme largely unchanged since 1948.
You can read more at:
http://www.nhsemployers.org/pay-conditions/pay-conditions-1272.cfm
For brevity these changes include:
- Ability to take more tax free cash from your pension
- Abatement of pension on returning to work and part time wor
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