NHS 1995 Pension doesn't grow after 60

NotTightJustCareful

I asked for clarification about my personal circumstance from the NHS Pensions , I left the NHS in 2006 my pension was in the 1995 scheme :
 

If you’ve not worked in the NHS since your NPA, your pension will be backdated to your NPA. You’ll receive a mandatory taxable back payment of your pension benefits. You cannot choose the date your back payment of benefits will be paid into your account.

If you’re an active member of the NHS Pension Scheme, your benefits will only become payable when you leave NHS employment. There is no backdating of pension to your NPA.

If you opted out of the 1995 or 2008 Section of the NHS Pension Scheme but continued to work in the NHS until after your NPA, your pension benefits from that Section of the Scheme can only be paid from when you leave NHS employment or if it's been 5 years since the date you last paid in. You’ll not be entitled to have your pension backdated unless you’ve opted out for a period of 5 years after your NPA. 

tinsy

I agree there are so many people who could have retired at 60 but haven't either through ignorance or wrongly believing that their pension will increase dramatically if they leave it till 67. So many say they aren't losing money but not taking it. Agree if they are expecting a significant pay rise but they would be few and far between. I do think that the complexity of 3 different pension schemes, added to that the McCloud judgement, retire and return/partial retirement and it's no wonder people are confused. I took mine at 60  but have done so much fact finding. I do remember getting a letter prior to 60 informing me of the fact I could access my pension at 60. However there was nothing to outline the consequences of not taking it which I think a simple table of examples illustrating the cost of not taking it would be beneficial to do many people. It saddens me when I read of those who have missed out on 10s of thousands of pounds