On this episode, Cyra is joined by GP Dr. Steve Taylor and specialist medical accountant Andy Pow to discuss Steve’s difficult experience getting his NHS pension sorted ahead of semi-retirement at 60 under the older scheme. Steve discovered missing years and incomplete details in his pension record after requesting the data held on him, leading to a year of back-and-forth to correct errors, plus complications from the McCloud remedy and an £11,000 adjustment. He also faced delays and confusion in the application process (AW8), including being told he applied too early by three days and receiving little clarity on payment amounts or timing. Andy explains how errors and gaps are common, advises checking records early via My NHS Pension and PCSE Online, and stresses keeping annual statements, returns, P60s, and March payslips.

00:00 Welcome and Setup

00:41 Meet Steve and Andy

02:04 Missing Pension Years

05:06 Applying and Silence

06:29 McCloud Remedy Mess

07:49 Start Checking Early

11:20 How to Check Records

13:47 What Documents to Keep

16:49 Estimating Your Pension

19:12 Wrap Up and Resources

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