View the factsheet to see how much your pension will be reduced by if you’re an active member of the NHS Pension Scheme and choose to retire early.

This includes your lump sum for the 1995 Section.

The reduction is applied to your pension before commutation.

2015 Scheme

The 2015 scheme has a Normal Pension Age (NPA) linked to your State Pension Age (SPA). The reduction factors are based on how far away from your SPA you are. Incomplete months will be rounded up to the next whole month. 

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