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What do the pensions proposals mean for GPs?


So the problem (for GPs specifically) is that when people were opting out of the scheme they were electing to work a lot less. This is because of the large increase in actual income (about 1/3rd before tax) mean that they had more income. Or it meant that they were being pushed in to a penalty tax bracket (e.g. just over 100k) meaning that they would not be much worse off working less. So someone working 8 sessions for 100k income and 28k pension contributions, comes out the scheme and earns 128k, but a huge amount of that extra 28k goes on tax/ lost child benefit etc. They instead choose to work 6 sessions for just under 100k. All these changes will do is accelerate that process. It IS better for the individual than the current all or nothing situation. However it is idiotic for the NHS, will do nothing to improve retention and nothing to encourage GPs to work more hours/ closer to full time. This problem will get a LOT worse come April 2020 when the 'reward' for dropping out of the pension scheme will be much greater. What the government needs to do is incentivise doctors heavily to work full time and in particular for many years. It is like a system is needed to reward clinicians for working many years as a GP. It can be incremental and increase the longer you work for the NHS as a GP partner. I can start after 6 years of practice and be just a few hundred pounds per year; but increase dramatically and once working for 30 years payments should be significant, lets say 15k or more. I would call it 'seniority' or something similar.

Posted date

12 Sep 2019

Posted time