If you’re a member of the NHS Pension Scheme affected by the Public Service Pensions Remedy, you can use the Remedy Benefits Illustrator to understand how your remedy choice is likely to affect your pension overall.
You'll be asked to choose between receiving 1995/2008 Scheme or 2015 Scheme benefits for your membership during the remedy period which is from 1 April 2015 to 31 March 2022.
From later in 2025, you'll be able to make this choice when you apply for your pension benefits.
The illustrator cannot give you exact figures. The figures are not your final retirement benefit offer and cannot be used as financial advice.
Read what the illustrator can help you to understand on our website.
After you apply, you’ll receive a letter showing your options using personalised and accurate figures with instructions on how to confirm your choice.
If you need support to decide which option is right for you, speak to an independent financial adviser (IFA). You may be able to apply to have the cost of this advice repaid to you through the Cost Claim Back Scheme.
Members who cannot use the illustrator
Some members may have more complex circumstances which means the illustrator cannot show how your remedy choice could affect your pension.
You must wait until you receive your letter with accurate, personalised figures to help you make your choice.