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Transferring Benefits
What if I have been a member of another pension scheme?
Can I transfer my benefits out of the NHS Superannuation Scheme?
How is a transfer payment worked out?
What if I have been a member of another pension scheme?
You may be able to transfer the value of your benefits to buy extra service in the NHS scheme if you have previously been a member of another pension scheme (including a Personal Pension plan or annuity contract) but not a retirement annuity provided under section 620 (formerly section 226) of the Income and Corporation Taxes Act 1988.
If you wish to transfer a previous pension to the NHS you should apply in writing to:
Scottish Public Pensions Agency
7 Tweedside Park
Tweedbank
Galashiels
TD1 3TE
Please include the following information:
- Details of your previous pension provider
- Date of Birth
- National Insurance Number
- NHS Superannuation Number (if available)
- Marital Status
Note: Transfer of Benefits from NHS schemes elsewhere in the UK is not automatic. You must apply as above.
Applications to transfer benefits into the scheme must be made WITHIN 12 MONTHS of joining the scheme and before age 60 for members of the amended arrangements and age 65 for members of the new arrangements.
Can I transfer my benefits out of the NHS Superannuation Scheme?
If you leave the NHS scheme, you may be able to transfer your benefits out of the scheme to:
- another occupational pension scheme;
- a personal pension scheme;
- an insurance company to buy an annuity contract; or
- a self-employed pension arrangement.
How is a transfer payment worked out?
A transfer payment is worked out by converting the value of the accrued pension rights to a current cash equivalent using factors supplied by the Government Actuary’s Department in relation to the member’s age at the date of calculation. The transfer calculation takes account of fluctuations in the Stock Market.
Further details of transfers to and from other public sector schemes and general leaflet on the subject can be found at www.civilservice-pensions.gov.uk then by selecting:
- Civil Service Pensions (from choices along top of screen)
- Public Sector Transfer Club (under 'Joining and Leaving' on left hand side)
- A guide for members of Club schemes

