it is a miscalculation from the treasury, they underestimated how much they rely on doctors doing extrashift this and the politics of envy of course as this problems only occurs to those doctors earning more than 110K . per year.
As so many here said it before.. they have hard time to fell sorry for someone earning this amount of money, well my answer is .. please come and join us don't just be envious if you think it is easily done , UK has a shortage of Doctors, we will be more than happy to receive anyone in our ranks once you have sorted our 5 years undergraduate study and 5 years postgraduate training...
The issue is not paying taxes for the money earned, everyone understands and accepts this is paying taxes twice for virtual money ..to be more clear, on a 110k salary one pays 14.5% pension which is aprox 16k. Then after deducting 16k from the initial 110k from the rest one pays taxes as per rules... till now all good and clear, everyone accepts this in a normal society
Now the NHS pensions are doing something clever , they ''dynamise'' thouse 16k - which means they multiply them by a coefficient (depending on your age and length of service) and arrive at a sum , usually 40-70 k . These are virtual money, money that no one see them and added in your pension pot with a promise to see these money later (but if you die before the pension age-68 then unlucky you will never see them). Now here is the trick , these 40-70K are part of your annual allowance, initially everything above 40k would be takes but now the Gov reduced the limit to 10k. Everything above 10 k will be takes at the highest rate of tax.
So in conclusion a doctor who earns £110.001 per year will pay 16K in pensions then rest is taxed. After that , from the rest will pay another tax at the highest rate from 30-60K virtual money - effectively double taxation.
Thus explaining why they effectively pay to work .
Simple solution - allow NHS worker to choose how much from their income to be pensioned - (at the moment all your NHS income is automatically pensionable , no question asked). Less taxes now , smaller pension in the future but the decision will be with the individual not the state