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I cannot make head nor tail out of my pension statement

Your paying authority sends this statement annually. Confirm your national insurance number is correct first. The 'pensionable pay' is the same as superannuable income. This is the amount of your GP earnings that count towards your NHS pension. Six per cent of superannuable pay is deducted at source from your income and paid as your 'pension contribution' along with an NHS 'employers' contribution.

GP pensions are currently calculated in terms of lifetime earnings. Each year's GP superannuable income is recorded. Each year is uprated (or dynamised) to take inflation into account. On reaching retirement the years are all added up.

Previous non-GP NHS service is also included. For example four years of hospital service would be counted, but your average annual GP income would be used, multiplied by four, then added to make a final total.

Your annual pension would be 1.4 per cent of lifetime earnings with a lump sum of three times this.

It is therefore important to make sure superannuable pay is correct each year. Not all your NHS earnings are superannuable, so reimbursements, whether direct (staff, computers rent, etc) or indirect (paid as a proportion of IoS fees) do not count. Private GP earnings are also excluded.

Your practice manager can check the figures for you from the practice payment statements. It is especially important to check that total partnership superannuation was allocated according to partnership shares and agreed individual items such as seniority. If your figure is incorrect you must appeal within three months or your final pension could suffer.

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