Your NHS Pension can be reduced when you reach SPA if it includes a Guaranteed Minimum Pension (GMP) or is subject to National Insurance Modification (NI MOD).


If your pension includes a GMP element, the cost of paying increases is met by our scheme between your GMP age and your SPA.

The GMP age for women is age 60.

The GMP age for men is age 65.

Once you reach your SPA, the cost of paying increases on the GMP element is shared between our scheme and the Department for Work and Pensions (DWP).

Our share of the increases will be paid with your NHS pension.

DWP will pay their share of GMP increases with your State pension.

Scheme membership up to 5 April 1988

DWP pay all of the increases.

Scheme membership from 6 April 1988 to 5 April 1997

Increases up to 3% will be paid by the NHS Pension Scheme.

Any increases over 3% will be paid by DWP.

DWP will write to you at SPA to say how much it is.

Scheme membership from 6 April 1997

All the increases on membership that does not include GMP will be paid by the NHS Pension Scheme.


NI MOD is a reduction to your pension when you reach SPA.

It applies to members who joined the scheme after 30 June 1949 and before 1 April 1980.

NHS Pensions is required to abate your pension to take into account that you may also receive a State Pension. This is if you're in receipt of your state pension or have deferred payment of this. The reduction will be from when you become eligible to receive it.

Read more information on SPA on the Retirement Guide

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