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National Health Service Pension Scheme (Scotland)

1995, 2008 - Voluntary early and late retirements in normal health

Factor tables

There are 25 tables associated with this guidance note, listed in the table below, which shows:

  • Table ID - the name assigned to the table of factors in the Consolidated Factor Workbook.
  • Alternative table ref. - this shows the name assigned to the tables of factors in our guidance notes prior to the introduction of the Consolidated Factor Workbook and may still be referred to in the explanations of the formulae within this guidance.
  • Factor Type, Section, Description, Gender - give information about the tables of factors so that you can verify that the appropriate table is being used for the circumstances of the case
The required factors can be found by locating the correct table from the Consolidated Factor Workbook, which can be found by selecting the Consolidated Factor Workbook tab in the navigation bar above or use the Download current Consolidated Factor Workbook button on the right of the scheme homepage.

Table ID Alternative table ref. Factor type Section Description Gender
1-401 ERF1 ERF 1995 Voluntary early retirement - members of 1995 section (relative to NPA 60) - pension factors Unisex
1-402 ERF2 ERF 1995, 2008 Voluntary early retirement - members of 1995 or 2008 section (relative to NPA 65) - pension factors Unisex
1-403A ERF3(A) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved benefits (relative to NPA 60) - pension factors Unisex
1-403B ERF3(B) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved benefits (relative to NPA 60) - adjustment factors Unisex
1-404A ERF4(A) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved added years benefits (relative to NPA 65) - pension factors Unisex
1-404B ERF4(B) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved added years benefits (relative to NPA 65) - adjustment factors Unisex
1-405 ERF5 ERF 1995 Voluntary early retirement - members of 1995 section - NPA 60 additional pension contracts exercised before 1 April 2011 - pension factors Unisex
1-406 ERF6 ERF 1995, 2008 Voluntary early retirement - members of 1995 or 2008 section - NPA 65 additional pension contracts exercised before 1 April 2011 - pension factors Unisex
1-407 ERF7 ERF 1995 Voluntary early retirement - members of 1995 section (relative to NPA 60) - lump sum factors Unisex
1-408 ERF8 ERF 1995 Voluntary early retirement - members of 1995 section with NPA 65 added year's benefits (relative to NPA 65) - lump sum factors Unisex
1-409A ERF9(A) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved benefits (relative to NPA 60) - lump sum factors A Unisex
1-409B ERF9(B) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved benefits (relative to NPA 60) - lump sum factors B Unisex
1-410C ERF10(C) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved added years benefits (relative to NPA 65) - lump sum factors C Unisex
1-410D ERF10(D) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved added years benefits (relative to NPA 65) - lump sum factors D Unisex
1-412 ERF12 ERF 1995 Voluntary early retirement - members of 1995 section with NPA 55 added years benefits (relative to NPA 55) - pension factors Unisex
1-413 ERF13 ERF 1995 Voluntary early retirement - members of 1995 section with NPA 55 added years benefits (relative to NPA 55) - lump sum factors Unisex
1-414 ERF14 ERF 1995 Voluntary early retirement - former members of 1995 section with preserved added years benefits (relative to NPA 55) - pension factors Unisex
1-415E ERF15(E) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved benefits (relative to NPA 55) - lump sum factors E Unisex
1-415F ERF15(F) ERF 1995 Voluntary early retirement - former members of 1995 section with preserved benefits (relative to NPA 55) - lump sum factors F Unisex
1-424 ERF16 ERF 1995, 2008 Eligibility for actuarially reduced early retirement – factor for applying to the revalued annual GMP at retirement, which is for use in the GMP test, where GMP data is held. Unisex
2-411 ERF11 ERF 2008 Voluntary early retirement - members of 2008 section with a mandatory lump sum (relative to NPA 65) - adjustment factors Unisex
2-417 LRF1 LRF 2008 Late retirement - members of 2008 section (relative to NPA65)- pension factors Unisex
2-418 LRF2 LRF 2008 Late retirement - members of 2008 section - purchased NPA 65 additional pension contracts exercised before 1 April 2011 - pension factors Unisex
2-419 LRF3 LRF 2008 Late retirement - members of 2008 section - purchased NPA 65 additional pension contracts exercised after 1 April 2011 - pension factors Unisex
2-420 LRF4 LRF 2008 Late retirement - members of 2008 section with a mandatory lump sum (relative to NPA 65) - adjustment factors Unisex
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