Why errors happen

Public-sector pension calculations can go wrong — here's why

A detailed walkthrough of the issues we see most often when auditing NHS, teachers, civil service and local government pension records — with worked examples to help you spot them in your own statements.

• Multiple scheme sections and historic scheme changes
• Part-time service, career breaks and locum or agency work
• Service record, pay record and pensionable-pay anomalies
• Retirement option choices: lump sum, partial, late retirement
• Transfers, added years and annual allowance interactions

This page is in active development. The team will publish detailed content here before launch.