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Document What happens when a Mental Health Officer reaches 45 years service before age 60?

The maximum amount of pensionable membership that a Mental Health Officer (MHO) member can have at age 60 is 45 years. If you are an MHO who expects to reach 45 years membership before age 60, you have three options:

  • You can continue to contribute to the scheme. You will not accrue any more membership, but you will benefit from the increase to your Total Pensionable Pay (TPP) figure and maintain an entitlement to death in service benefits for your dependants
  • You can stop contributing to the scheme and claim your NHS pension from whenever you finish your employment. In this case, you will not benefit from the increase to your TPP or maintain an entitlement to death in service benefits for your dependants
  • You can retire and claim your NHS pension

You should speak to your NHS employer to advise which of these options you would like to take.

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