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A refund can only be made if a member has opted out of or left all pensionable NHS employments. The exception to this is when a person has jobs that equate to more than whole time and in this case an employer locally returns the contributions taken on any hours in excess of whole time.
If you leave the NHS scheme before completing two years of qualifying membership*, youre entitled to apply for a refund of the contributions youve made, rather than deferring or transferring your benefits. You can do this via the RF12 form, available from the NHS pensions hub.
In most cases you can take 25% of the money in cash, tax-free. Youll need to do this at the start and take the rest as income. You can get a guaranteed income for life either at the same time you draw your NHS pension scheme benefits, or at a later date.
Pension schemes often have a rule that you had to have paid in for at least 2 years to be entitled to benefits when you leave. So if you paid in for less than 2 years then yes, you might only have been entitled to a refund of your own contributions. Ask them to provide the evidence that they paid this to you.
NHS Pensions - Application for a refund of pension contributions (RF12) (after you have stopped paying into the NHS Pension Scheme) Part A - to be completed by the member/claimant. Employers please tick one of the following: Form keyed by employer. Form not keyed by employer.
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To claim a refund, you must complete an RF12 form. If youre in active NHS employment, send this to your employer. If you have more than one NHS employer, you only need to submit one RF12 form. This must go to the most recent employer that the refund period relates to.
You can download the RF 12 form from the NHS Pensions website. If you provide a later date to opt out on your application to leave the NHS Pension Scheme, the decision to opt out will be effective from the first day of the next pay period following the date given.

rf12 pension refund form