In this episode of Beyond the Balance Sheet, Katie Collin sits down with Graham Crossley, founder of Medifintech and an NHS pension specialist, to unpack one of the most persistent and misunderstood issues facing NHS professionals today: whether their pension record can actually be trusted.
With widespread missing service, administrative errors and ongoing delays linked to the McCloud Remedy, many GPs and consultants are unsure where they stand or what action they should be taking. Graham explains why these issues are far more common than most people realise and why making decisions without first checking the underlying data can be costly.
In this episode, they explore:
• Why NHS pension records frequently contain missing or incorrect service
• The first document members should request to sense-check their pension record
• McCloud Remedy explained in practical terms
• The difference between RPSS and RSS and why so many members are still waiting
• Why large tax bills should not be viewed in isolation
• The risks of opting out or “opting in and out” without proper modelling
• Contingent Decisions and reinstating service: when it can help and when it can go wrong
• What NHS pension members should do next
Guest:
Graham Crosley
Founder of Medifintech. Graham specialises in NHS pensions, supporting members, accountants and advisers with pension analysis, error correction and complex issues including McCloud Remedy, annual allowance and service reinstatement.
Resources and links:
Connect with Katie Collin
Connect with Ramsay Brown
Connect with Graham Crossley
Learn more about Medifintech
Disclaimer
This podcast is for general information only. Ramsay Brown are chartered accountants, not financial advisers. NHS pension and tax decisions can have significant long-term consequences and advice should be taken based on individual circumstances.