nhs pension worry

[Hoolahup]

I turn 60 in 18 months. I've heard that some staff haven't been allowed to do retire and return or partially retire.
My pension will be low because I've been mainly part time with around 11 years full time.
If I don't retire till 64, I know that my 1995 portion will remain static. What happens to my contributions - will they all go into the 2015 scheme?
Would I be allowed to work beyond 60 and not take my 1995 pension? Will my lump sum stay in the 1995 portion? (some staff say that it disappears)

Join the Facebook group NHS pensions ... all the answers will be there.

it doesnt disappear
it does increase but slowly
retire and return can have its drawbacks, you might only get a year's contract, you may change your leave allowance.
partial retirement is better but may not be granted.

interestingly if you go and work outside the nhs your pension from 1995 is deferred but increases

This.

but your ‘95 scheme closed for contributions a few years ago didn’t it and you started contributing to the 2015 scheme was it?

the question is whether you’re effectively losing money every month by not taking your ‘95 pension.

As for R&R, I thought that was down to the Trust/Department themselves probably financially driven decision and whether they value the employee looking to R&R?

You certainly can continue to work past 60 and not claim your 1995 pension and you will still get your lump sum when you do retire. The NHS pension Facebook page is good, there may be a pension webinar you can sign up to via work, I would ask around. It's a real shame that so many nhs workers can't claim their pension when they are entitled to it and it's the lower earners who are missing out the most.

Please take your '95 pension when you hit 60. It doesn't go up at all if you don't take it and you just lose the monthly income by not taking it. You are now paying into the 2015 pension. You can take that early but you will lose money.

Has your NHS trust not given you any guidance on this? Ours run sessions for staff nearing retirement to set out the options. Reach out to your pensions department and as PP have said join the FB group.

I have a 95 section which I will take in full at 60 and then possibly return 1-2 days a week if I can be arsed (which will probably be a no by then).

You can only take it and continue working with agreement, it is not possible for everyone to get the agreement