Please note that members who on 1 April 2012 are within ten years of Normal Pension Age (NPA) will not be affected by the proposed changes. Members within 10 and 13.5 years of Normal Pension Age on 1 April 2012 will receive tapered protection. Both of these forms of protection are reflected in the figures below.

To use this modeller, enter your details in the purple boxes below. If you are unsure about an entry/result, hover over the QM box for more information.

Your details:

[Band 1 to Band 9]  
[Point 1 to Point 54] QM
[based on your pay band and paypoint] 0  

[For example, if you work full time enter 37.5, or if you work 1 day a week enter 7.5]
[1995 section or 2008 section] QM

[years and days, full-time equivalent if you are part-time, enter an approximate number if you are unsure]

Special classes:


Career progression:

As your career progresses, you may receive promotions, or decide to change your working patterns. If you wish to model this, click on "Add a career change" below and complete one or more of the boxes to detail the changes. To add further changes click on "Add change".

Add a career change

Benefits if current scheme continued unchanged

[See note 5] 0 QM
0 QM
0 QM

How long do I have to work to get the same pension?

0 QM
0 QM

Effect of proposed changes on benefits at retirement

If the proposed changes are made you will have a mixture of benefits from the existing and proposed new scheme at retirement. Your total benefits are shown below.

0 QM
0 QM
0 QM

Benefit comparison at chosen retirement age

0 QM
0 QM
0 QM
0 QM

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  1. The above figures are for illustrative purposes only.
  2. The proposed scheme is assumed to come into effect from 1 April 2015.
  3. The proposed scheme is a Career Average Revalued Earnings (CARE) scheme with an accrual rate of 1/54ths, and revaluation before retirement in line with the change in the Consumer Prices Index (CPI) plus 1.5% pa.
  4. The calculation of State Pension Age (SPA) incorporates the anticipated increase of SPA to 67 between 2026 and 2028, announced by Government on 29 November 2011.
  5. The Normal Pension Age (NPA) in the proposed scheme is assumed to be State Pension Age (SPA) or age 65 if higher.
  6. For retirement before SPA in the proposed scheme, the pension is assumed to reduce in line with the reduction factors currently used in the 2008 Section based on the number of years early.
  7. It is assumed that future general NHS pay increases will, on average, be CPI + 1.5%pa. The annual pension at retirement is shown in today’s earnings terms. If earnings rose more than this then the calculator would understate the advantage to members of retaining current final salary arrangements and, if earnings rose less than this the calculator would overstate the advantage of final salary. For a full discussion see the note here.
  8. It is assumed that special class members have always been in this class and will remain in that class until retirement.
  9. It is assumed that by selecting "Yes" to the "Are you a Mental Health Officer?" input then all service under the current scheme is classed as MHO service, and vice versa.
  10. It is assumed that special class benefits built up before April 2015 are protected and will be available unreduced at age 55.
  11. Pension is assumed to be commuted to cash using a factor of 12 to 1. For the 1995 Section, the illustrations show the same cash before and after the proposed changes.
  12. For the 2008 section (including those who have moved through the Choice exercise and have a minimum cash lump sum), only pension benefits are shown. Cash is available through commutation of pension. Up to 25% of the value of your benefits can be commuted to tax-free cash.


This calculator will provide a rough estimate of how the proposed reforms might affect your pension. If you need to find out how much pension you have earned to date, you should contact your scheme provider.

However, please note that the final terms of the reforms are still being discussed and may change. Any changes will not happen until 2015. The calculator gives a result in today’s earnings terms, and does not include inflation. Another calculator may produce a different result. The calculator does not provide a formal statement of your pension entitlements – it is provided to give a rough estimate only and the Department of Health cannot accept responsibility for the accuracy of results from this or indeed any other calculator.