In this section of the review on the new NHS Pension Scheme we start to consider some of the Protection arrangements which are available to some members.
Some members of the NHS Pension Scheme will have some or complete Protection from the 2015 NHS Pension Scheme which means that they will not automatically transfer to the new Scheme in April 2015.
If you were an active member of the NHS Pension Scheme on 1st April 2012 and were within 10 years of your Normal Pension Age at that date - then you have full protection and will not be joining the 2015 NHS Pension Scheme at all.
If, as at 1st April 2012, you were over 10 years from your Normal Pension Age, but less than 13 years 5 months from your Normal Pension Age, then you will be entitled to 'Tapered Protection'. This means that although you will not be joining the 2015 NHS Pension Scheme immediately in April 2015, you will be eventually.
Remember the Normal Pension Age for the 1995 Section of the NHS Pension Scheme is 60 and for the 2008 Section it is 2008.
Tapered Protection is calculated by first identifying how many months over 10 years from your Normal Pension Age you were as at 1st April 2012. Then for each month beyond 10 years, the Tapered Protection end date of 31st March 2022 is reduced by 2 months.