I need your thoughts please on NHS transfer

WoodyMax

Forgive me for coming back again.  This may be long.
I have two pension accounts from my past employment. The two total approx 30K.  I now work for NHS,  for one year but only part time, basic wage is £5263 p.a. I have for months been trying to get the previous employers pots moved into the NHS scheme. NHS have unofficially said the previous pots would give me approx £1,900 a year pension (plus any bit I earn from working for them).  I was about to do this but have learned that the job with the NHS is likely to move elsewhere and will not be as convenient for me to get to (once we return after home working).  Therefore I may work this role for possibly one more year. 
I am now  thinking I may be better off to get access to the money within the 'old pots' as it will be another 7 years and 4 months until I would get what would be the deferred pension (plus I am just in the group that may be 'hit' by the governments next round of delaying the state pension age, so could be longer).
I cashed in a small pension about a year ago that was an LGPS pension and was told that I had to use 2 of my 3 allowed occasions where I could cash a pension in (sorry I don't know the terminology) the amount was 11,500 and I was told anything over 10,000 meant I had to use another 'occasion/go'.   I currently get a pension from previous long term employment that pays for my needs, I have no debts or mortgage so although an extra 2 thousand a year is nice it is not essential to me.  
I don't want to pay a lot of money for an IFA so wondered if you could please advise me, what is the best way for me to get this money and cash in the two accounts without paying a fortune.
I hope this will be the last time I trouble you, sorry but I don't have anyone else I can ask.

Thanking you in advance, for your kind help as always.

Dazed_and_C0nfused

Given you are already receiving a pension are you sure about the State Pension age?

https://www.gov.uk/government/news/proposed-new-timetable-for-state-pension-age-increases

WoodyMax

Hi yes, I got pension from age 60 from a previous DB pension scheme.

Dazed_and_C0nfused

So why do you think your State Pension age may change?

WoodyMax

Well the government has said that those born prior to March 1960 - will get their state pension when they are 67 - mine is already set at 67 & 4 months, so I am just prepared that the next time the government moves the goal post, they will possibly add further months onto my 67 yrs & 4 months. However, that will not really have any impact on my decision to access these pension pots now.

Audaxer

WoodyMax said:

Well the government has said that those born prior to March 1960 - will get their state pension when they are 67 

If you were born in March 1960 your pension age would be 66.

WoodyMax

To be honest, my state pension age (and therefore my NHS pension age) is not the priority here. However for anyone interested  I was born July 1960.

xylophone

I was born July 1960.

https://www.gov.uk/state-pension-age

You SPA can be no later than end November 2026 when you would be 66 and 4 months.

WoodyMax

My apologies you are absolutely correct!    Glad that has been cleared up.  Would really appreciate any thoughts on the NHS transfer. 

xylophone

  I cashed in a small pension about a year ago that was an LGPS pension and was told that I had to use 2 of my 3 allowed occasions where I could cash a pension in (sorry I don't know the terminology) the amount was 11,500 and I was told anything over 10,000 meant I had to use another 'occasion/go 

Did you transfer out the LGPS pension to another pension provider or did LGPS permit you to take the pension as here

https://www.pensionsadvisoryservice.org.uk/content/publications-files/uploads/Taking_small_pensions_Detailed_SPOT008_V1.5.pdf

I have two pension accounts from my past employment. The two total approx 30K. 

What kind of pensions are these?

WoodyMax

Hi Xylophone, they are two DC pensions from when I worked at the same firm.  They were taken over by another firm which is why there are two 'pots' so to speak. Many thanks.