Sick of working

[Gettingbysomehow]

God I'm sick of working, I'm 61 and when I started working more than 43 years ago the retirement age was 60, now it's sodding 67.
I'm full time in the NHS and I'm bloody knackered. I'll have done nearly 50 years by the time I'm done.
There must be more to life than this.
Thanks to my twat of a husband leaving I won't have paid off my current mortgage until the day I retire.
I'm just so tired, how the hell can people work 50 years full time and not crack up. Surely if my retirement date was 60 when I started it should stay at 60?

If your 62 then you should be able to get all your pension in the 1995 scheme now.
You could look at the Retire to Return scheme which could let you work part-time. They even let you join the new pension scheme again, the nhs is so desperate for older staff not to retire

Thanks for the advice I'll look into it.

If you have been in the NHS that long then you should have been able to take your 1995 pension in full at 55. Did you not know this? Retire and return like many of my colleagues.

Yanbu. I'm 60 and have had a job of some form since I was 13. I'm doing ok but I am tired and retirement is looking very inviting.

I'm not public sector but I'm retiring the day my mortgage is paid which will be my 63 birthday. Two years and 8 months to go.

Could you take any money as a lump sum from your pension to pay off your mortgage earlier?

There are only a v few roles in the NHS where this could happen. Yes, you can take pension early, but it won't be "in full", it will be reduced to account for the fact it's paying out early.

Same age here OP and counting the days. I've never taken maternity pay, sick pay or any other kind of benefit , just work, work and more work

Yes if you are 60 in 1995 scheme and have not taken it then you are just losing money!! Is there a reason that you haven’t taken it? Many people don’t know this so lose out.

You can retire and return and keep paying into the 2015 scheme but take your pension now! There are lots of Facebook groups that can offer help around this - look up NHS pension.

One word of caution: are you divorced with a financial settlement? If not then your husband may be entitled to a claim on your pension. Assume you have legal advice on all that?

@mauvish The1995 section given OPs age and length of service would be retirement in full at 55.

Only in certain occupations within the NHS. How do I know? Because I took my NHS pension at age 56 (I was in the 1995 section) and both pension and lump sum were reduced to account for my taking them early. I would have had to wait until age 60 for there to have been no reduction.

Yes this only applies to people with “special class status” (usually nurses).

I'm 60 worked in NHS since 23. I just retired on my full pension for the 95 scheme and reduced for the 2015 scheme which I was moved into in 2015 although the McCloud ruling means my pension will be recalculated as if I had moved in 2022. There is no point at all not taking your 1995 pension as it's not getting any bigger and you're still paying superannuation so start claiming your 1995 (or both if you wish)and either retire or reduce your hours.

I never knew about the SC status....I knew psychiatrists could go at 55 but not the nurses and midwives and HV you had to be working before 6th April 1995 and continue working afterwards to get it. Learn something new every day.

I always worked hard and gave my job 100% for the hours i was paid. I would give my unpaid time for no more than 2 hours a week, not a minute more. No boss/company care a jot about you in fact they are happy to exploit you, so why work for £0 per hour. When i left work at the end of the day, i left all thought of it behind. The world didn't end because i went home to be a Mum to my children. I feel sorry for those that need a job to define them.