1. NHS Pension Scheme

2. Agreed in 2008 A 1995 and 2008 section NHS Choice exercise Tiered and progressive contribution rates Employer cap of 14% on contributions Cost sharing arrangements between employers and employees

3. Contribution Increases Full time equivalent pensionable pay Contribution rate 2011 to 2012 Contribution rate 2012 to 2013 Up to £150005.0% £15000 to £211755.0% £21176 to £265576.5% £26558 to £489826.5%8.0% £48983 to £699316.5%8.9% £69932 to £1102737.5%9.9% Over £1102748.5%10.9%

4. Proposed Contribution Increases Full time Equivalent pensionable pay Proposed rate 2013 to 2014 Proposed rate 2014 to 2015 Up to £150005.0% £15000 to £211755.3%5.6% £21176 to £265576.8%7.1% £26558 to £489829.0%9.3% £48983 to £6993111.3%12.5% £69932 to £11027312.3%13.5% Over £11027413.3%14.5%

5. Paying More Increased contributions to 2015 Average contributions will be 9.8% previously 6.6% Future employer contribution? Tiered contributions in CARE Ongoing public sector pay restraint

6. Working Longer Current NHS retirement ages 55/60/65 2015 Normal Pension Age equal to State Pension Age State Pension Age set to rise to 68 and beyond Uniformed services not linked to state pension age

7. Getting Less Indexation of NHS Scheme changed from RPI to CPI CPI lower than RPI Future predictions of CPI at 1.2% less than RPI Overall benefits reduced by 15% Joint Union Legal Appeal

8. CARE Scheme Accrual rate 1/54 th Revaluation set at CPI plus 1.5% No automatic lump sum Lower benefits than final salary for career progression

9. Protection Full Protection for members within 10 Years of Normal Retirement Age Tapered Protection for a further 3.5 years Paying More Getting Less Benefit of protection for 2008 Section members? 25 Year Guarantee

10. Further Discussions Fair Deal and Access to the NHS scheme Working Longer Review Group Contributions 2 nd Choice Opt outs

11. Defend Your Pension Working Longer Higher Contributions Lower Benefits All income and savings from reforms going to HMT Calculate your benefit on the pensions calculator at www.unitetheunion.org/healthwww.unitetheunion.org

12. Consultative Ballot Ballot opens 1 st March Ballot closes 19 th March Union Consultation Member support and participation Reject the Pension Reform Proposals Day of Action 28 th March