FAO Of Returnofrros

[The AuldYin]

I was talking to a wifie I know the other day a "retired" nurse. She retired at 55 taking as big a lump sum as possible and a monthly wage (final salary pension) She then told me she went on some kind of NHS bank scheme for which she can work as much as she wants but the minimum of 1 shift every 3 months, this gives her full sickness and holiday entitlements. She's recently been on the Pat & Mick which entitles her to 6 months full pay and 6 months 50% pay. She is single and normally her pension would die with her but because of this bank malarky she's classed as in service and her bairns will get it along with I presume a payout. She's also a limited company since she retired because of tax implications.

Now get out there and bang they ****ing pans.

[Dode craigie]

Slight exaggeration there , agree with most of it , my partner an ex charge nurse in the nhs also retired at 55 big lump sum and brilliant monthly pension , went into bank nursing for a wee while , half her pension comes to me if she dies before me , but if I die first the pension is done and dusted , children do not get a penny , also she recently qualified for her pension turned 66 , and only gets the very basic pension , someone spinning you a yarn ,

[Returnofrros]

I was talking to a wifie I know the other day a "retired" nurse. She retired at 55 taking as big a lump sum as possible and a monthly wage (final salary pension) She then told me she went on some kind of NHS bank scheme for which she can work as much as she wants but the minimum of 1 shift every 3 months, this gives her full sickness and holiday entitlements. She's recently been on the Pat & Mick which entitles her to 6 months full pay and 6 months 50% pay. She is single and normally her pension would die with her but because of this bank malarky she's classed as in service and her bairns will get it along with I presume a payout. She's also a limited company since she retired because of tax implications.

Now get out there and bang they ****ing pans.

Public sector are well looked after.

And because so much employment in Scotland is in the public sector this won't change anytime soon.

What annoys me particularly about the NHS is this frontline pish when 77% of NHS workers aren't "frontline".

To sum up....nurses ain't poorly paid, very well paid, fantastic holidays and sickness entitlement, still 20% off at some shops, probably get to jump the queue at food banks ( not been to one ) and are absolved of any blame in the NHS being fairly ****e.

[Returnofrros]

Slight exaggeration there , agree with most of it , my partner an ex charge nurse in the nhs also retired at 55 big lump sum and brilliant monthly pension , went into bank nursing for a wee while , half her pension comes to me if she dies before me , but if I die first the pension is done and dusted , children do not get a penny , also she recently qualified for her pension turned 66 , and only gets the very basic pension , someone spinning you a yarn ,

She will get new flat rate state pension does she not?

[Returnofrros]

I was talking to a wifie I know the other day a "retired" nurse. She retired at 55 taking as big a lump sum as possible and a monthly wage (final salary pension) She then told me she went on some kind of NHS bank scheme for which she can work as much as she wants but the minimum of 1 shift every 3 months, this gives her full sickness and holiday entitlements. She's recently been on the Pat & Mick which entitles her to 6 months full pay and 6 months 50% pay. She is single and normally her pension would die with her but because of this bank malarky she's classed as in service and her bairns will get it along with I presume a payout. She's also a limited company since she retired because of tax implications.

Now get out there and bang they ****ing pans.

Bairns will be entitled to death in service payout, don't think pension unless she has taken money from scheme and into drawdown privately.....I think....12 years out the game though

[Dode craigie]

She will get new flat rate state pension does she not?

Not sure what the flat rate is , she gets ?712 per every 4 weeks , I know some people are on ?900 plus per weeks

[Deeranged]

nurses ain't poorly paid, very well paid, fantastic holidays and sickness entitlement, still 20% off at some shops, probably get to jump the queue at food banks ( not been to one ) and are absolved of any blame in the NHS being fairly ****e.

Mostly correct - not sure abut the food bank thing although I know some nurses do use them.

I also knew of deputy head teacher with three kids that's used food banks.

[Returnofrros]

Not sure what the flat rate is , she gets ?712 per every 4 weeks , I know some people are on ?900 plus per weeks

New flat rate is ?230.25 for state pension.....if you have paid less than 35 years Nics or not had them paid for you, you lose 1/35th for each year.

In your wife's case she has paid slightly less ni due to being in a contracted out employers pension scheme ( or it will have been contracted out at some point )....it's called the COPE amount.

Instead of receiving COPE amount from state her pension scheme pays at least the equivalent of the COPE amount which will be included in her monthly super ann payment.

Think I've got that right.

[Returnofrros]

It's slightly unjust in my opinion.

[Dode craigie]

New flat rate is ?230.25 for state pension.....if you have paid less than 35 years Nics or not had them paid for you, you lose 1/35th for each year.

In your wife's case she has paid slightly less ni due to being in a contracted out employers pension scheme ( or it will have been contracted out at some point )....it's called the COPE amount.

Instead of receiving COPE amount from state her pension scheme pays at least the equivalent of the COPE amount which will be included in her monthly super ann payment.

Think I've got that right.

That sounds about right , that’s pretty much what she was told by the union guy I approached, as I’m exactly the same but not NHS though , but same situation, I’ve paid more than 35 years stamps but only get 714 every 4 weeks , but I always have received another pension since 1993 ,