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Our pension calculators are in Microsoft Excel format. When you use the calculator you’ll get:

  • an illustration of the benefits that could become payable from your HSC pension schemes at a retirement date selected by you, at today’s value.
  •  a description of the benefits payable for each scheme you’ve been a member of .
  • an estimate of the maximum lump sum that could be payable.
  • a printable copy of your personal illustration.

You will need to have your most recent Annual Benefit Statement available while you’re using the calculator. You should also:

  • make sure you’ve read the notes and assumptions on the calculator .
  • know the date you joined the scheme.
  • know your current pensionable pay.
  • know any service credited from a transfer in (final salary scheme only).

Please note that the illustration is not a guarantee, nor is the calculator intended to provide you with financial advice. If you require financial advice, you should contact an independent financial adviser.

Note: The calculator only covers Practitioner calculations for Practitioners with 2015 Scheme benefits. It also does not cover: Mental Health Officer status; members who moved from the 1995 section to the 2008 section as part of the ‘Choice Exercise’; the effect of pensions tax charges on your benefits; details of future state pension or private pension provision; details of pension benefits for part-time workers with more than one employment; ill health benefits; survivor benefits payable in the event of your death; optional benefits, such as added years, additional pension or additional voluntary contributions.

You can also run estimates on our member self service platform which will pull all of your financial data from our records without you having to input it. You can find more information on how to run estimates on member self service by following the step by step videos in the below MSS section of the website.

HSC Member Self Service

Alternatively, you can request an estimate directly from us by selecting the ‘Request an Estimate’ link. Please note it can take up to 8-12 weeks for your estimate to be produced once it reaches the pensions team, and you are entitled to one estimate per year, anything further is £45 per estimate. You must be within 1 year of your estimated retirement date to request a personal estimate from the HSC Pension Service.

If you choose to submit a form manually, please send completed forms to or post to:

Payroll Pension Team
HSC Pension Service
Waterside House
75 Duke Street
BT47 6FP

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