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Money Purchase Additional Voluntary Contributions (MPAVC)

MPAVC allows you to make more contributions to build a separate retirement fund.

How MPAVC works

The additional contributions you make are invested. They are used to supplement your main scheme benefits at retirement or later.

You can take up to 25% of the fund value as a tax free lump sum in addition to any main scheme lump sum.

The rest of your funds are usually used to buy an extra pension or you may flexibly access them.

More information about flexibly accessing benefits is on the MPAVC providers’ websites.

You can also make separate contributions to the company you choose. This will help increase benefits your dependants receive if you die before you claim your NHS pension.

NHS MPAVC scheme providers

There are two providers who run the NHS MPAVC scheme on our behalf.

You can take out a MPAVC with either:

  • Standard Life
  • Prudential

Contributions come from your pay and you can choose how much to pay. You may be able to change or stop the amount you pay and switch between funds and NHS providers.

We have negotiated special NHS terms for these arrangements. We review these regularly and there are no commission charges.

As you invest contributions with an external provider, we cannot guarantee the fund this produces.

Once in payment, we guarantee your payment of any pension you receive through these arrangements.

Contact NHS MPAVC providers

To find out more about NHS MPAVCs, contact the providers. They'll offer help and send you a free information pack giving full details.

The NHS MPAVC providers are:

Standard Life Assurance Limited
Standard Life House
30 Lothian Road

Telephone: 0800 634 7479

NHS AVC Department
BN15 8GB

Telephone: 0800 678 3921

How to apply

Complete the Money Purchase Additional Voluntary Contribution (MPAVC) form (Word: 297KB).

You can apply for an MPAVC with Prudential online.