NHS pension final statement 45% less than annual statement

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I have an NHS deferred pension with earnings transferred in from previous pension schemes.
For the last three years my annual statements have showed a lump sum increasing from £33k to £37k based on early retirement at 60. I’ve now applied for it to start from 31/3/23 but the settlement statement shows £20k.
How can I check this is correct and if the amounts of the transfers in have been included?
I now can’t afford to retire on that lower lump sum and yearly pension which is also dramatically reduced.
Please can you help ?
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If you can get access to your Total Rewards Statement, I would recommend grabbing as much of the data as you can., e.g. if you can access any previous years, get it.
You might need a good accountant to check your pay and records as NHS employers seem to make a lot of mistakes with payroll, and this can feed through into you pension.
You might benefit from making a Subject Access Request for all the data that the NHSBSA hold on your pensions. Alternatively, you can ask the NHSBSA to justify their calculations, and then check their calculations with a fine tooth comb.
I would also have a good read of the information on this page as you may need to make a complaint: Contact NHS Pensions - members | NHSBSA
I was on 1995 and at one point my pension halved as they calculated my FTE salary based on the daily rate I got for a job, only they assumed I was working 15 hours a day and not 7.5 so the hourly rate turned into an annual rate of 50% of what it should have been - all got sorted in the endd.
Information provided on annual TRS statements is the value of your defined benefit pension at that time (from the previous April), if taken at 'Normal Retirement Age', for 2008 scheme, this is 65. If you are taking at 60, there would be 5 years of Acutarial Reduction (from that value at that time, because it is being paid sooner and for longer). Did you account for this (24%) reduction to your Annual Pension ?
The 2008 scheme doesn't have an 'Automatic' tax-free lump sum (PCLS), rather this is 'optional'. If at the date of chosen Retirement, you decide to give up some of your pension to provide a tax-free lump sum, £1 of annual pension is deducted, in exchange for £12 lump sum.
The maximum 'optional' lump sum available, is then calculated AFTER your pension is already Acutarially Reduced, making the total reduction rather 'eye watering'.
https://www.nhsbsa.nhs.uk/sites/default/files/2019-08/Early Retirement factsheet (05.2017) V3.pdf
2008 Section
The minimum pension age in the 2008 Section is 55. You can choose to take voluntary early retirement from the minimum retirement age and receive reduced benefits. Your pension is reduced to allow for the fact that it is being paid earlier than expected. Your dependants will still get any benefits they are entitled to in full.
The following table shows approximately how much your pension is reduced by if you choose to retire early. If you retire between the ages shown the benefits payable will vary. If you take a lump sum, this is calculated from your pension after reduction. There are no reduction factors for lump sums in the 2008 Section.
Age
64
63
62
61
60
59
58
57
56
55
Pension
6%
11%
15%
19%
24%
27%
31%
34%
37%
40%