The NHS pension for practitioners
The way in which your NHS pension is calculated is based not just on your role (officer or practitioner), but on when you joined the scheme. As you may have seen in our guide to the NHS pension, the scheme is broken down into three parts – the 1995 and 2008 sections of the old scheme, and the new 2015 scheme.
For practitioners, both the 1995 and 2008 sections and the 2015 Scheme are CARE (career average revalued earnings) schemes. This is different from the officers’ NHS pension, and has some important implications which we’ll explore in more detail below.
There are other key distinctions to consider, not least the employment status of GPs and GDPs, many of whom are self-employed or company directors. It should be noted that where a GP only performs CCG work under a self-employed contract for services arrangement (and they are not a GP elsewhere) they do not have access to the NHS Pension Scheme.
If a GP is employed by a CCG under a contract of service (employment), they are an officer in the NHS Pension Scheme, and should refer to the guidance in this NHS pension guide for officers.