Hearing concerning reports that @NHSBSA / @nhs_pensions are *still* giving members misleading advice on Pension Savings Statements. ❌ WRONG: “If I don’t receive a statement by 6 October, I should assume I have not breached the threshold.” ✅ RIGHT: Never assume that. Absence of a statement does not mean you are under the annual allowance. NHSBSA has still not issued tens of thousands of RPSSs and overdue PSSs. ❌ WRONG: “There is no timeline for producing manual estimates.” ✅ RIGHT: There is. The timeline is set out in statute. ❌ WRONG: “We will not take requests for that year’s AA statements until after 6 October, so we can prioritise members who have breached.” ✅ RIGHT: If you want the statement by 6 October, request it up to 3 months before that date (by 6 July). Wait until 6 October and you are running perilously close to the 31 January tax deadline. For years my advice has been the same: high earners should request a statement every year, at least 3 months before the 6 October statutory deadline. NHSBSA promised a self-service portal for this by 2020. It is entirely reasonable to request one annually so you can plan. You need the figures for carry-forward and SIPP headroom even if there is no charge. NHSBSA also does not know whether you are tapered. Requesting one now will only produce a mid-December date — six weeks before the end of the tax year, and after many accountants (including mine) want the information long before them to produce your return. Wearing my BMA hat, I reminded NHSBSA senior leadership this week that “no timeline” language is unacceptable when statute sets a deadline, and asked them to stop using it. Use the free updated templates — they calculate the statutory deadline for you: goldstonepenfintech.com/nhsp… Please share with colleagues who might need this, and RT if you agree this needs sorting once and for all