Reduce the retirement age for NHS staff pension scheme to 60. We are concerned NHS staff are facing extreme physical and mental burnout daily. High stress and long shifts can risk employee health and patient safety.
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We want the Government to lower the age NHS staff can draw their full pension to protect staff and patients. NHS roles can be physically exhausting and mentally draining. Long shifts, heavy workloads, and intense stress can cause severe burnout. We believe having staff work until 65+ is dangerous, risks employee health and compromises patient safety.
Lowering the retirement age could prevent workforce exhaustion, attract younger professionals into the service, prevent staff turnover & support frontline workers.
Monday 19th October 2026
The Government recognises the vital contribution of NHS staff. The NHS Pension Scheme provides valuable benefits and options to retire early, but there are no plans to reduce its normal pension age.
The Government thanks all NHS staff for the vital contribution that they make. The health service can only ever be as good as its staff and as a nation we rely on the people who put in the hard work necessary to perform these vital roles. The NHS Pension Scheme provides valuable benefits and options to retire early and is an important component of the total reward package for NHS staff.
The NHS Pension Scheme is updated from time to time. The latest changes were made in 2015. The 2015 NHS Pension Scheme rules reflect reforms that were made to most of the public service pension schemes following the recommendations of the Independent Public Service Pensions Commission which was chaired by Lord Hutton and reported in 2011. As part of these changes, the normal pension age for the 2015 NHS Pension Scheme is linked to a member's State Pension age.
The reforms also introduced improvements to the benefits members build up compared with the previous NHS Pension Schemes arrangements. Members build up pension at a rate of 1/54th of their pensionable earnings each year, compared with 1/60th in the 2008 Section and 1/80th in the 1995 Section. Staff who continue their employment in the NHS while saving in the 2015 NHS Pension scheme also benefit from a boosted annual pension increase of CPI inflation plus 1.5 per cent.
The increase in the normal pension age reflected increases in life expectancy and changes in patterns of working and retirement among NHS staff. If the normal pension age for NHS staff was reduced then this would result in significant additional costs which would need to be met by scheme members, employers, taxpayers, or a combination of all three.
The Normal Pension Age in the NHS Pension Scheme is 60 in the 1995 Section, 65 in the 2008 Section, and linked to State Pension age in the 2015 Scheme.
There is a common misconception that NHS staff are expected or required to work to normal pension age, or that it is necessary to receive a good pension. Normal pension age is the age used to calculate unreduced NHS Pension Scheme benefits. The generosity and flexibilities of the NHS Pension Scheme mean members can retire earlier than their normal pension age, with an actuarial reduction. This means that the member will receive their pension from a younger age, so will receive a lower pension for a longer period of time. Even with an actuarial reduction, NHS Pension Scheme benefits can provide for a comfortable retirement. For instance, a paramedic who joins the NHS now at 25, works full time throughout their career and sees minimal career progression could retire as early as 62 with a pension equivalent to just over half of their pay.
The minimum retirement age for members of the 1995 and 2008 section of the NHS Pension Scheme is between 50 and 55, with the exact age being dependent on when the member joined the NHS Pension Scheme. For members who joined the scheme after 3 November 2021 and who are members of the 2015 Scheme, the minimum retirement age will rise from 55 to 57 in 2028.
The Government recognises that pension arrangements can affect recruitment, retention, retirement decisions, workforce wellbeing and staff morale. These considerations have formed part of wider discussions on retirement age and pension policy. For that reason, the NHS Pension Scheme has introduced a range of flexibilities intended to support members throughout the later stages of their careers.
Members who retire and take their pension benefits may, if they choose to, return to NHS employment and re-join the NHS Pension Scheme to build up further pension benefits.
Partial retirement is also available and allows members to draw pension benefits while continuing to work and accrue further pension without breaking their service.
The 2015 Scheme also includes the Early Retirement Reduction Buy Out (ERRBO) facility, through which members can pay additional contributions in order to retire up to three years before their normal pension age without the usual actuarial reduction applying to those benefits. Employers have the option to pay a proportion of these contributions on behalf of staff if they wish.
In addition, where members are unable to continue working until normal pension age because of ill health, the scheme provides access to ill-health retirement benefits at any age.
Department of Health and Social Care