NHS Pension Scheme: pension flexibility

Closes 1 Nov 2019

Opened 11 Sep 2019


We are consulting on a new set of proposals to offer senior clinicians more control over their pensions growth, so they can continue to provide the services that patients need.

Senior NHS clinicians are concerned that pension tax charges are making them retire early or change their working habits.

The new plans go significantly beyond the 50:50 flexibility previously proposed. The new proposals include:

  • a ‘flexible accrual’ option where members can choose an accrual level in 10% increments
  • the option to ‘fine tune’ pension growth towards the end of the scheme year, when total earnings are clearer

Give Us Your Views


  • NHS staff
  • Employers
  • Providers of NHS clinical services
  • Members of the public


  • NHS staff
  • NHS pension