How NHS Pension Scheme abatement rules affect your pension if you return to NHS work after retiring, which scheme sections are affected, and how to plan around it in 2026/27.
How ill-health retirement works under the NHS Pension Scheme in 2026/27, the difference between Tier 1 and Tier 2 benefits, and what income to expect.
How the NHS Learning Support Fund and student nurse bursary work in 2026/27, and how placement pay and early NHS employment affect NHS Pension Scheme membership.
The NHS Pension Scheme 2015 gives career-average benefits with CPI+1.5% revaluation and employer contributions of 23.7%. This guide covers contribution tiers, the accrual rate, worked examples and the McCloud remedy.
NHS, Teachers, LGPS and Civil Service Alpha pensions are among the best in the UK. Compare accrual rates, contributions, NPA and the annual allowance trap for 2026.
Full take-home pay table for all NHS Band 5 pay points 2025/26. Includes NHS pension, London supplements, student loan deductions and unsocial hours.
NHS Band 7 take-home pay 2026: full salary range £46,148–£52,809, monthly net pay table with tax, NI and pension, London supplements and Band 8a comparison.
The real cost of opting out of the NHS pension in 2026: 23.7% employer contribution lost, defined benefit value vs SIPP, and the rare scenarios where opting out makes sense.
