NHS pension advice

A question about : NHS pension advice

I joined NHS pension in 2013 and after several months opted out.
I resigned from the permanent job there is october 2014 and went onto 0 hrs and was automatically opted back in- this is still ongoing

I started a new NHS job in December 2014 and have also been automatically opted into the pension.

This is where i get confused - are both jobs paying into the same pension? Should only one job pay in?

Also, at my age- 38, and having no real pension pot apart form a few years of paying into a county council pension in my 20's, do you think i am best to opt out again or keep the payments going.

There are changes to the pension scheme too, whereby my old job paid into the old scheme but not sure if my new job pays into that or a new scheme.

Best answers:

• Yeah I don't understand why you would opt out of the NHS scheme...
  Employer pays in 14% of your wage.....
• I don't know how long i will be an NHS employee, that is why I considered leaving the pension scheme.
  I feel I have left it too late to start as I should have begun a pension in my 20's , and i did, but then left that job and the pension with it.
  It is only just something I am starting to consider again, so don't know what the best plan is.
• ok, so the consensus seems to be I would be a fool to leave!!
  BUt, would it possible to opt out of payments on the 0 hours job, as I don't earn much with this one, but keep the payments for the contracted new job?
• I'm on a zero hours contract job with the NHS and i'm lucky if i pay in Ј20 a month ... but that Ј20 is 5% of my wage and the NHS pay in 13.5% so I am delighted, my previous employers paid Ј8 a month and i paid Ј8 a month, when i compare Ј16 to nearly Ј80 a month i am delighted, would ofcourse be happier if it were more... but I have a personal pension as well so my pension is slowly building up
  Dont leave the zero hours contract one, it's only 5% you pay ... and every bit will help you when you retire
• I am also confused and considering pulling out of the NHS pension. Ijoined the NHS in June last year and the New scheme seem to massively reduce your pension if you leave before the age of 67 years, by 5 % per year. My wife also works for the NHS and has been paying in for 10 years, if she works to 67 years I will be 72 and we fear that we won't get enough retirement time together. Is there a better way to spend what we are paying into the pension scheme that will be better for our future?