Effect of Reducing hours and hourly rate on NHS Pension

Lorryload34

I worked full time in a  permanent role for the NHS from 2007 to June 2024. Rising to middle management. However, I hit burnout and instead of taking +++sick leave I chose to leave my permanent role and take a lower graded bank (zero hours) position. The intention being to try to recover from my burnout but still earn a little money and support the NHS as my role is highly specialised.

I therefore have a 1995 section pension to 31/03/2022 (I fell within the McCloud ruling) the salary for which will be linked to the best of 'the last 3 years of employment'. The current Annual Benefits statement is nicely healthy for that section - available from my 60th birthday.
I then fell into the 2015 section pension from 01/04/2022 to date (ie, 01/04/2022 until June 2024 in a permanent well paid role and tiny payments from a lower graded role with adhoc and part-time hours from the bank role). This is obviously lower and will be available from 67.

I had thought that the 1995 pension was frozen and therefore would take into account the last 3 years of salary until that pension ceased to operate. 

However, I have read copious documents on the NHS pensions website. I've asked questions of the SBS team. From my research my assumption is that if I continue in the NHS pension scheme I am at risk of impacting my 'best' years calculation for my 1995 section pension. 
I therefore think my best option is to leave the NHS pension scheme and start another pension or saving scheme for the remainder of my working life.
I am 58 years old and I have had some private work which has the potential to continue beyond the NHS bank work which is drying up due to financial restrictions on the amount of bank the hospital can use.

Can anyone confirm my understanding?

I do not want to jeopardise my pension to keep the NHS pension  open for a meagre bank post, especially when I have alternative work options in the private sector. At 58 is it worth opening a NEST pension or private pension? or something else?

NoMore

This is often asked in the pensions forum, you're probably best posting in there.

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