NHS Employee. Do I keep same pension or start again...

LULULU1

Hi There,

A relative of mine is thinking of changing her jobs and moving from the NHS where she has worked for nearly 30 years to a council company called Public Sector Jobs East.

Does anybody know if she would be able to continue with her NHS pension or would this be frozen and she start a new one.

Many thanks for any help in advance....

xylophone

On leaving the NHS, her pension will become deferred and she will not be able to make further contributions.

If her new employer offers a defined benefit pension (possibly LGPS?) it might be possible for her to transfer the NHS pension to it.

Dox

Public Sector Jobs East is an agency. It's possible she could have been offered a job actually working for them, but I suspect she may have obtained a job via them? Either way, she needs to check what sort of pension is on offer and whether it will accept a transfer in from the NHS Scheme (only possible if the new employer offered a defined benefit scheme, otherwise transfers out of the NHS Scheme are not permitted). If the answer is yes, there may be strict time limits, so she needs to get a quote from her new scheme to indicate what sort of benefits the transfer might secure. She shouldn't assume it is necessarily in her financial interest to transfer.

LULULU1

Thank you for your replies.

I assume she should contact the pension department of the name of the new company.

What a mine field.

I guess if its some kind of many Defined contribution pension she may be better staying whrere she is.

I assume most hospital type jobs are local government schemes.

Thanks