nhs pension and start date query

PoGee

I became an nhs employee around 1987. Due to paperwork errors by admin, I didn't get paid for a few months nor did my superannuation pension get off the tracks. I signed up to a private pension (contracted out of SERPS) in 1990. I then closed off the private pension in 1994, which bought 3 years of nhs pension and I've stayed with it ever since. So on paper 'signed to nhs pension' in 1994(I think).
When using the McCloud calculator, what date do I put down as the start date - 1994 or 1991 (3 years purchased from private pension)?
If I'm meant to put in 1994, there is no provision on that calculator to take into account purchased years. I hope someone can help as I can't find this info anywhere and when I ask SPPA, they won't reply. It's been months since I asked them.

Lowtrawler

The calculator is only to give you an indication and you will need to wait for the actual McCloud calculations to get a more accurate figure. As the intention is to give you an idea of what pension you will get under both options, you would enter the earlier start date. Any values you see via the calculator will be quite rough but it is useful to give you an early view of which of the 2 options might be best for you.

Have you reached normal retirement age for the 1995 pension? If so, you should be claiming that now through retire and return otherwise you will miss out any payments from your normal retirement age to when claimed as the payments will not be backdated nor provide any ongoing credit.

I understand most McCloud calculations have now been issued and any remaining are due to complete by end October (according to the sppa webpage) 

PoGee

Thanks for your reply. I'm not 60 yet so don't need to take my pension yet. The earlier date makes a fairly big difference to the estimates. 

Lowtrawler

PoGee said:

Thanks for your reply. I'm not 60 yet so don't need to take my pension yet. The earlier date makes a fairly big difference to the estimates. 

You should common sense the calculated output against your 2022 rewards statement. Roughly add 20% to the 2022 rewards statement plus 3/54 x your salary to March 2025. That should approximately match the value from the calculator before applying McCloud. You'll not get it exact but it should be close enough.