Are you paying to go to work?

We asked GPs and hospital doctors about pension tax charges and how they’re affecting work commitments. Here are the results

The punitive annual allowance and lifetime allowance taxation rules are affecting doctors across the UK.

We surveyed 6,170 GP and hospital doctor members to find out how their work commitments are changing due to these rules.

The personal impact of pension taxation charges can be crippling, but what does it mean for the NHS and our patients?

On average, GPs and consultants plan to reduce their workload by 2.4 sessions and 2.2 PAs respectively.

That’s the equivalent to about 9.6 hours per week for GPs and 8.8 hours for consultants.

The reduction in the amount of hours that has already taken place, or is planned to take place in the next 12 months due to pension tax charges, will be equivalent to losing about 10% of the senior doctor workforce.

What can you do to protect yourself?

It is vital to understand what the pension taxation charges could mean for you.


Those on the 1995 and 2015 NHS pension schemes – use the BMA Goldstone Pensions Modeller to the see the potential impact of pension taxation rules and what you can do to mitigate the risks of receiving a substantial annual allowance charge.

GPs, SAS doctors and other hospital doctors

Visit our website for guidance on pension taxation charges.

In the meantime, we continue to lobby the Government to take urgent action to reform annual allowance and tapered annual allowance rules.