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Document Why has my NHS Pension been reduced once I have reached my State Pension Age?

If your pension includes a Guaranteed Minimum Pension (GMP) element, the cost of paying increases is met by our scheme between your GMP age (60 for women and 65 for men) and your State Pension Age (SPA).

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) as explained in the table below. Our share of the increases will be paid with your NHS pension and DWP will pay their share of GMP increases with your State pension. This may result in your NHS Pension reducing once you reach your State Pension Age (SPA).

If you have a GMP up to 5 April 1997 the Department for Work and Pensions will write to you at State Pension Age to say how much it is.

The table below gives guidance on who is responsible for paying the increases linked to the GMP element:
For GMPs based on Scheme membership Who pays the increases from SPA?
Up to 5 April 1988 DWP pay all of the increases
Between 6 April 1988 and 5 April 1997 Increases up to 3% will be paid by the NHS Scheme; any increase over 3% will be paid by DWP
From 6 April 1997 (all GMPs ceased from this date) All the increases based on membership that does not include a GMP will be paid by the NHS Scheme

More information on this can be found on page 10 of the Retirement Guide on our website.
pension reduced state pension, pension reduce spa, reduced pension

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