Transferring pension

[Deleted User]

Bit of a long post, but please bear with me. My wife is a district nurse, has been paying into a Scottish Widows pension because she was technically employed by some primary care trust and not NHS(officially anyway). Now her department has been taken back into the NHS, all the district nurses are now paying into a NHS pension, and not the Scottish Widows. My wife has the option of transferring her Scottish Widows pension into her new NHS one. Is this going to be worthwhile, since I believe a percentage of her fund would be paid in transfer fees to Scottish Widows: is it better to leave it in the fund and then access the pension when she retires ? The Scottish Widows fund currently stands at around 35000