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"Lost" NHS pension

28 replies

7to25 · 18/01/2020 16:49

I worked from 1979 to 1986 and paid into the nhs superannuation. I did not withdraw this money but now that I am 60 (this is the age I can draw my very small pension) the NHS pensions cannot find it and I presume I cannot be paid. I have given all the details I have including NI number to the pensions department but I have not retained any payslips.
Has anyone experienced this unfairness?

OP posts:
Geoffreythecat · 18/01/2020 16:55

This might help:

www.google.com/amp/s/www.thisismoney.co.uk/money/pensions/article-7563643/amp/I-nurse-NHS-pension-records.html

If your tax office can prove you were contracted out back then, that should help your case. Best of luck, NHS Pensions are the most inept organisation I've ever come into contactact with.

Geoffreythecat · 18/01/2020 16:55

*contact

EvaHarknessRose · 18/01/2020 16:56

A few colleagues have had issues when they worked for an NHS Trust that subsequently closed, but I think it got sorted in the end. Nightmare!

NotSuchASmugMarriedNow1 · 18/01/2020 16:56

that's really odd. I had this exact same problem late last year and they convinced me that i'd not had a pension with them!

Having read this i'm now not so sure

endofthelinefinally · 18/01/2020 16:57

Yes. I am in a similar situation, same time period. It seems that any records pre- computerisation have disappeared.
I need to try again to look into it. (I was diagnosed with a serious illness just before I retired, then my son died just after I retired. I am only just starting to get my head round it all).
I was buying back some additional years from around 2002, but I can't establish whether those payments have been accounted for. It is all a bit shambolic. My union membership finished when I retired. I was with the RCN and my local rep was as much use as a chocolate tea pot.

user1497207191 · 18/01/2020 16:58

If your tax office can prove you were contracted out back then, that should help your case. Best of luck, NHS Pensions are the most inept organisation I've ever come into contactact with.

And HMRC are also pretty inept, especially when looking back a few decades as their paper records will be long gone and their computer systems don't talk to eachother. So could be quite a battle. I think you'll need "something" to prove your employment and NI/Pension payments. You may not have payslips, but don't you have you end of year P60 certificates? Always wise to keep P60s for ever.

7to25 · 18/01/2020 16:58

Thanks, I thought I wouldn't be alone. Sorry to hear about the RCN. That was one of my bits of hope, that they would help me.

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missyB1 · 18/01/2020 16:59

Think I’m about to experience this and not looking forward to the fight! I was in in the pension from 1988 - 2013. I’m coming up to the age of being able to draw it but no idea if I can track it down.

7to25 · 18/01/2020 17:01

Missy, I think you will be fine, the problem is the historic nature of mine.

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DramaAlpaca · 18/01/2020 17:03

I might well be in the same position, OP. I only worked in the NHS for two years from 1986 to 1988 but I'm sure I paid into their scheme. I don't have any paper records, and haven't lived in the UK for 20 years, though I still have an NI number. I'm in my mid-50s. I should really start looking into this.

OP, I hope you manage to sort this out.

7to25 · 18/01/2020 17:05

Thanks, Drama.

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Geoffreythecat · 18/01/2020 17:12

My advice would be to keep battling and don't give up. The records of being contracted out should still be in existence as contracting out impacts the amount of state pension you'd be eligible for.

I had a huge battle with NHS pensions and eventually won, don't give up yet!

DrMadelineMaxwell · 18/01/2020 17:15

Mine isn't NHS, but a teaching pension. I'm extremely lucky that I can log in to the teacher pension site and see all my employment history.
But then I've noticed the odd day here and there, and an entire 6 months that I KNOW I was working for but have down as either days 'out' or non pensionably service. I've emailed my staffing dept at County level but have had no reply yet.
It must be so much more difficult with changing trusts and records that can't be found.

DramaAlpaca · 18/01/2020 17:37

Thanks to you as well, OP, for reminding me I need to check this out.

helpfulperson · 18/01/2020 17:41

do you not get an annual statement from them? All the pensions I've got going back to 1980's send me a forecast every year. If you have never had anything it may be very hard to prove you've paid anything.

Geoffreythecat · 18/01/2020 17:42

Have had a thought - if you apply for a copy of your NI statement or your state pension statement (sorry I can't remember which I got and we're away so can't check), the record shows if you were contracted out and the relevant years, which would help you.

7to25 · 18/01/2020 17:55

No, I do not get an annual statement and never have. Neither has my husband who had to search for his old NHS pension but who found his eventually.

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7to25 · 18/01/2020 17:56

Thanks, Geoffrey. I will do that.

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endofthelinefinally · 19/01/2020 01:15

They won't provide an annual statement. I have asked several times.

missyB1 · 19/01/2020 08:38

Even my dh who is still in the NHS pension has to fight to get a statement!

endofthelinefinally · 19/01/2020 09:25

My friend's husband died from cancer just before he retired from the nhs. It took 4 years before they would pay her any of his pension.
He diagnosed himself and tried very hard to get everything sorted in the 6 months he lived.

greathat · 19/01/2020 09:36

Sounds like something the press might be interested in. Contact guardian money? They seem good at giving people a kick up the arse

7to25 · 19/01/2020 23:59

Thanks, greathat. Will do.

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HollowTalk · 20/01/2020 00:03

My friend's husband died from cancer just before he retired from the nhs. It took 4 years before they would pay her any of his pension.

That is appalling. Surely they should pay out as soon as the necessary documents have been provided?

ImADadButThatsOKIsntIt · 20/01/2020 00:10

I paid in for 1 year as a trainee 15+ years ago and then rejoined 2 years ago. I was advised it was all linked to your NI number, but now starting to worry...

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