This section of the website provides the facility for members to estimate the benefits they may receive at retirement. There are also calculators which can be used to establish the percentage cost of purchasing an Early Retirement Reduction Buy Out in the 2015 Scheme.

There are different calculators for each section of the HSC Pension Scheme and some members may have to use more than one calculator if their service is split between a number of schemes.

Before using the calculators you should read the Scheme Calculators – Which one should I use? document as this will help you find the correct calculator for your own personal circumstances.

To fully utilise the calculator you should have at hand a copy of your Annual Benefit Statement which you can access through the HSC Pension Service “Member Self Service” portal available at

The calculators will provide you with 3 different outcomes, standard benefits, reduced annual pension with maximum lump sum and personal choice of reduced annual pension and increased lump sum.

Just follow the simple steps on the calculator to forecast your potential benefits at retirement.

The Pension Commutation Calculator shows, for members of the 1995 Section (who have accrued membership on or after 1 April 2008), members of the 2008 Section and the 2015 Scheme, what they will receive if they choose to give up (or ‘commute’) some of their pension in return for a larger lump sum on retirement.

Due to the implementation of the 2015 Scheme and the need to make changes to the Additional Pension calculator, including the update of factors, this calculator is currently offline.

We apologise for any inconvenience this may cause.  We will let you know as soon as it is live again.

If after using these calculators you are interested in any of the options available you can either:

  •  Contact HSC Pension Service directly to discuss your options
  • Complete the relevant application form which can be found in our forms section.