We are experts in the NHS Pension Schemes

Are you a GP Practice?

Does NHS Pension Administration give you a headache?

The NHS Pension Scheme is complex, nuanced and the rules constantly change

Unlike large NHS employers, GP Practices don’t have a dedicated resource to administer the scheme.

Pengage provides a comprehensive solution to support both employers and employees to help ensure that your Practice is compliant, and your NHS pensions administration is no longer a headache.

Do you need support? Our support package includes

NHS Pension Health Check

This initial health check helps Practices to establish a solid foundation for pension compliance and employee support. We check that:

All eligible employees are correctly enrolled in the NHS pension scheme
Those who have opted out have done so correctly
Core pension administration tasks are completed accurately and consistently
You have identified employees who are within reach of retirement

Employee Pension Education

A live Teams webinar session for all employees covering:

The basics of the NHS pension scheme
The importance of checking their annual benefit statement and service history
How to update nominations and personal details
How to make additional contributions if desired
When and how to start planning for their retirement
Q&As

This would be recorded and provided to the Practice to share with anyone unable to attend and for new joiners to watch as part of their induction to the Practice.

Online Pension Support

A secure, login-only section on the Pen-gage website for Employers, an ‘Employer Vault’ featuring:

Downloadable factsheets on key pension administration topics such as:

Guidance for Putting Starters on POL
Guidance for Taking Leavers off POL
SD55 Annual Update Procedure Whole Time Members
SD55 Annual Update Procedure Part Time Members
Allocating the Correct Tier Rates
Tiered Rates for PT Employees Working Extra Hours
Mid-Year Change from Part Time to Whole Time
Mid-Year Change from Whole Time to Part Time
Pension Contributions During Sick Leave
Pension Contributions During Maternity Leave
Rewind, Delete, Re-open Records on POL
Download Employee’s Annual Benefit Statements and Service History
Producing Pension Estimates for Employees
Guidance for Responding to Emails from Data Management
Retirement Application Process
Retire and Return Application Process
Partial Retirement Process
Increasing Pension Contribution

These factsheets are designed specifically with GP Practices in mind, so Practice Managers don’t need to search on the NHS website for the information they’re looking for, rely on their memory or hope they’re doing things correctly without being entirely sure.

We consistently add to and amend the fact sheets in our Vault so you can rely on them.

Responsive Helpdesk

You will be supported by a dedicated Helpdesk. If you are unsure of any aspect of the NHS Pension Scheme, an employee query, or a procedure… you can email our Helpdesk, and we will either email you back within 24-hours or arrange a call at your earliest convenience.

Updates

We will always keep you updated with changes to the NHS Pension Scheme which could affect your employees.

Our support package is from just £20 per staff member, per annum

What our clients say

I just wanted to write a thank you for your exceptional session about Civil Service pensions this morning. This is the first time that any information has been provided to me that explains how the civil service pensions work. Often people only get in touch to complain but I wanted to put in writing how helpful this session has been for me and the couple of colleagues I’ve since spoken to about it.

OMG it was soooo informative.  I don’t feel worried at all now I mean I wasn’t worried but I had no idea what was going on and you have just explained the change so well. Thank you again you should feel really proud of yourself for hosting that Webinar.

Laura was great, really great.  Thank you for that.  What a tangled web pension tax is ... thank heavens for people like you and Laura.

Pen-gage have provided a number of pensions information webinars for the Newcastle Hospitals staff over the last couple of years, every session was fully booked and attended, and we’ve received excellent feedback.

Pengage

5.0

Based on 75 reviews

review us on

Sarah King

08:14 17 Oct 25

The information from Pengage helped me make sense of my NHS pension and this enabled me to ensure I received the correct payment.

Lisa McFall

18:43 01 Oct 25

I stumbled across the Pengage Facebook group by complete accident, and it has to be the best accident I’ve ever had! From there I found the Pengage website and the Pengage member zone. In the 15 months leading up to my partial retirement from the NHS the advice and guidance was invaluable. I was able to understand what I needed to do and what I could expect to receive. Laura’s no nonsense way of explaining the system was so clear and easy to understand.
I also paid for some personal advice from Gilly and again this was so helpful.
As I have learnt your pension is one of, if not your greatest assets and so you need to know what you need to know!
Pengage arms you with that knowledge. Thank you so much to all of the team.

Lee Hyett-Powell

05:03 12 Sep 25

I’m going through the process of applying for my pension and with all the changes in the scheme it left me a little confused and worried. Gilly at Pengage was excellent. She wrote a detailed report, breaking down my options with clear explanations and the follow up meeting was invaluable. It really is worth paying for a 1:1 to help you decide what options are best for you. There were many things I wasn’t aware of or considered and I had already done a fair bit of research myself. Excellent advice and a great service. Thank you Gilly.

Michael

16:09 29 Aug 25

Clear and understandable advice. Thank you

Michael Delaney

07:55 22 Aug 25

Excellent work with Laura and team.

Wendy A

09:50 23 Jul 25

Absolutely brilliant! Laura was so helpful and turned what seemed to be quite a daunting and confusing situation, into one that I now feel more in control of!! So glad we have people like Laura and the team at Pengage! Thank you x

Sue B

12:05 17 Jul 25

I can't recommend Pengage enough. The appointment I had with Laura was brilliant, she made everything about my pension make sense. Nothing was too much trouble, very professional and helpful. A fantastic service.

karen Dodson

12:01 16 Jul 25

I was following the Facebook page and was getting totally lost and confused. Decided to go for one to one. Best decision ever. 25 mins with Laura and all sorted. What I thought was so confusing turned out to be so simple. Worth every penny👍

Susan

12:24 14 Jul 25

I booked a meeting with Laura to verify the information I had received about my pension and lump sum. She carefully reviewed everything and reassured me that the forecast was accurate. Her expertise and ability to explain complex details in a clear, understandable way are outstanding. I highly recommend her services!

jay Lowe

07:25 10 Jul 25

This company offer and deliver exactly what they say. Prompt responses and clear advice. Used for NHS pension. Worth every penny for 25 min consultation. Totally recommend

Joanne Fanning

12:27 02 Jul 25

I cannot recommend Laura and her team highly enough. I used them to give me a Pension forecast and it was definitely worth every penny. I received a detailed report followed up with a Teams meeting to go over its contents. Thank you again Laura and your Team.

Christina Macleod

10:52 01 Apr 25

Excellent meeting with Jilly. She was exceptionally knowledgeable, kind, and compassionate about my situation; She gave me time to ask questions and went over things until I understood them properly. My understanding of my pension has more than doubled.
An invaluable meeting I'd recommend to others without any hesitation

Mandy Gibson

20:06 20 Dec 23

Expert advice and information on a complicated subject delivered in a friendly, concise and straight forward way. Fabulous service!

Marie Magee

09:43 20 Dec 23

fantastic service, so helpful . cannot thank you enough

Helen Leonard

15:33 10 Dec 23

Clear report, prompt replies and non-patronising advice about understanding the complexities of public sector pensions and recent changes

P CROWE

11:15 07 Dec 23

Highly professional and knowledgeable, discussion with Laura was insightful providing the answers I had struggled to find through an IFA. I have booked a follow up to future proof provision as family circumstances change. Thank you

Velo Club Newport Secretary

19:21 26 Nov 23

Having seen Laura on the medics money podcast I recently used Pegage,s services .
Laura was very helpful & quick to respond by email & the pensions review was thorough & gave me the information I needed to guide me through my pensions questions to help future decision making .
Definitely recommend

Kerry White

12:04 23 Nov 23

Teresa Creighton

06:56 16 Nov 23

Very professional service. The reports are detailed are informative.

Julie Howson

20:12 01 Nov 23

Would highly recommend Pengage! From start to finish friendly, knowledgeable staff. Laura explained everything in a way I could understand
The process of gathering information for checks was self explanatory and relatively easy.
Laura always replied to email queries quickly!
This was a service well worth the fee for peace of mind and has made it easier to plan retirement .

Graham Hill

12:42 26 Oct 23

Offered an NHS pensions review at a cost well less than many other providers. Prompt report followed by an MS teams review. Laura is very engageable and helpful, answers explained clearly. Would recommend to other professionals who need similar reviews

Joanne Dee

08:22 24 Oct 23

Can't recommend Laura Bowler and Pengage enough. Clear, practical and personable help with navigating a challenging combination of pension and tax issues.

Morag Wright

11:09 20 Oct 23

Highly recommend Pen-gage. Laura made everything easy to understand. The report sent out explained everything and the opportunity to discuss it all in full on a 121 basis made it even better. Laura explained what further action I needed to take and helped me draft an email to send to my pension provider. Its what you don't know and it is so important to have someone who does know explain it all clearly and guide you to the best outcome for you. It is worth every penny. It has taken away all my worries and made me able to plan for my future with confidence. Thank you Laura.

Siji John

10:37 03 Oct 23

Very happy with my consultation with Lauren yesterday. The process from start to finish was easy and the report was detailed. Thank you.

Steve Thomas

16:12 22 Aug 23

Highly recommended. The process was very easy, with smooth on-line booking and document submission processes, and I am very pleased with the report and advice that Laura and the team provided. I have been happily recommending Pengage to my friends and colleagues in the NHS Pension Schemes.

About Pen-gage

The pensions industry has been trying to improve engagement for years. This has often led to a focus on compliance and detail, which has actually disengaged people.

In 2018 we created Pen-gage to do it differently. And it’s not as hard as it seems. Our focus is to get people to take action, not to sell them anything.

We are successful because we make a difference. This led to our small firm being Highly Commended in the category of Financial Education Provider of the Year at the 2021 Workplace Savings & Benefit Awards.

Making pensions fun and unpacking the mystery

Get in touch

Get in touch if you would like to know more about any of our Employer services:

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