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You may be entitled to a refund of your pension contributions if you:

  • were under your Normal Pension Age (NPA) when you last paid pension contributions
  • are no longer contributing to the Scheme
  • have less than 2 years qualifying membership in the Scheme
  • have not had a transfer into the NHS Pension Scheme from a personal, money purchase or stakeholder pension.

Read more information about claiming a refund on the NHS Pensions website.

Qualifying membership

To calculate qualifying membership we include all periods you’ve been in the Scheme, unless you’ve had a disqualifying break.

If you receive a refund and re-join the Scheme within one month of the opt-out date, the refunded period counts towards your qualifying membership if you apply for a refund again.

If you left the 1995/2008 Scheme and re-join after 12 months, you can claim a refund of your total membership if both periods are less than 2 years. If you re-join after 12 months and accrue more than 2 years membership, you can still claim a refund of the first period if this was less than 2 years.

If you left the 2015 Scheme and re-join after 5 years, you can claim a refund of your total membership if both periods are less than 2 years. If you re-join after 5 years and accrue more than 2 years membership, you can still claim a refund of the first period if this was for less than 2 years.

If you opt out before the end of the first pay period you were included in the Scheme, this will not count towards your qualifying membership. Your employer will provide you with a local refund of your pension contributions.

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