There is a potential increase in annual pension contributions of £6,690 for a doctor earning £130,000.
However, the earnings cap on contributions only ever applied to those who joined the NHS superannuation scheme for the first time on or after 1 June 1989.
So, for many of us, the maximum possible increase is 2.5 per cent of pensionable income, which equates to £3,250 in this example.
This represents £1,950 of disposable income, which might seem good value for the increased benefits secured under the new arrangements.
Dr Simon Shaw, Preston, Lancashire.