Are doctors' pensions too generous?

What's the truth about doctors' pensions? It has been suggested that they are currently too generous and that the NHS pension scheme needs to change in order to be sustainable. Is that right? Join the debate below the line, on Twitter at @hilaryosborne or email me at hilary.osborne@guardian.co.uk

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A doctor
Help us examine doctors' pensions. Photograph: Microzoa/Getty Images

Doctors are on strike over changes to the NHS pension scheme which will mean an increase in contributions and longer working lives. The British Medical Association says the changes are unfair, because the scheme is in surplus and reforms in 2008 made it viable for years to come; the Department of Health says the last set of reforms did not allow for the cost of increased life-expectancy.

Critics of the strike have suggested the scheme is currently too generous. So is this the case?

One way to try and gauge this is to compare doctor's pensions with those of other public sector workers and see if they are getting a better deal.

How does the NHS scheme compare with those of other public sector workers?

John Wright, head of public sector pensions at Hymans Robertson, which advises public sector schemes, said the deal doctors are currently getting from the NHS scheme is similar to that offered to members of the civil service and teachers' schemes. They are all currently final salary schemes and pensions are typically being built up at either a rate of 1/60th or 1/80th of that final salary for every year worked.

"Like other people whose pay goes to a high level, doctors tend to do well out of final salary pension schemes," he says.

Someone earning £65,000 earning a pension at a rate of 1/60th a year would take 35/60 of their salary as a retirement income if they worked from age 28 to 63, which is just under £38,000 a year.

However, current contribution rates are higher for doctors than for teachers - although the NHS scheme has a lower contribution rate at the bottom end, with employees earning up to £21,176 paying 5% of their gross salary, at a typical doctor's salary (according to Wright) of around £65,000, teachers contribute 8% of gross pay, while members of the NHS scheme contribute 8.9%. While teachers have a maximum contribution of 8.8% paid on salaries above £112,000, in the NHS scheme anyone earning more than £110,274 contributes 10.9%.

Some civil servants will be paying in a lot less. Wright says some had been making contributions of as little as 1.5%, and increases to contribution levels will come on top of that, not force their contributions to the same level.

So doctors are currently paying more than some other public sector workers for their pensions. Wright says the increase in contributions will be similar across the schemes, at an averag of 3.2%.

How do doctors' pensions compare with those of other NHS workers?

They will tend to be bigger because doctors earn more. Also they will probably draw their pensions for much longer. "Somebody earning £50,000 or more might be expected to live an average of five or six years longer than your average worker," says Wright. "Typically someone leaving work today at 65 will live to age 83, but people on a bigger salary will live longer."

But tiered contributions mean that they also pay in more, and the increase in contributions will increase the gap.

"Until April 2012 NHS scheme members were paying in between 5-7.5% and the plan is to raise that by an average of 3.2% (gross) by 2015. Lower earners in all the schemes are protected, so there is no increase if you earn £15,000 or less and a smaller increase if you earn between £15,000 and £21,000 so if you are on a higher salary you will pay more than 3.2%. On a typical doctor's salary of £65,000, the increase will be 6.5% by 2015, so they will pay around 12.5% then."

How do they compare with the private sector?

Laith Khalaf, pension expert with Hargreaves Lansdown, says you would need a pension pot of £1.5m to buy an index linked pension income equivalent to the sum doctors can expect to retire on at the age of 65.

He adds that we should all be aiming to contribute 14.5% (9% plus tax relief for a higher rate taxpayer) of our pensionable earnings from the age of 25 if we want to achieve a good pension income in retirement. "If you asked me was I prepared to pay 14.5% of my salary to get a defined benefit pension like this, then I would be prepared to pay that. Quite frankly I would bite your hand off for it," he says.

After the proposed increases some doctors will be contributing 14.5% including tax relief, but the government is also contributing another 10% on their behalf, meaning they will benefit from "exceptional pensions".

However he points out that the move to "career average" rather than "final salary" will have a much bigger effect on doctors compared to others in the NHS scheme. "Final salary schemes are scewed towards people who have high career progression and end up on very big salaries. From that point of view I understand why they have a problem with the move to career average as they have the most to lose."

Of course, there are value judgments attached to the term "too generous", and it could be argued that doctors deserve the pensions they get for the work they do.

What do you think? Are doctors getting pensions that are too generous? Do you have any information that could tip the debate? Get in touch below the line, on Twitter at @hilaryosborne or email me at hilary.osborne@guardian.co.uk

Update
Commenter cjung has raised the issue of £2bn that is currently being paid in to the NHS pension fund and not being used. This is one of several points the government and the British Medical Association are arguing over.

The Department of Health says:

All this means is that the cost of future pension entitlements being built up is greater than those being paid out at the moment. It reflects the fact that the size of the NHS workforce has been growing over the last decade. It does not mean that the scheme is financially sustainable. The current gap between contributions made and benefits paid out is set to disappear by 2016 as NHS workforce growth reaches a plateau and a generation of members reach retirement.

The BMA says:


The NHS pension scheme does not work by building up a 'pension pot' - staff working now pay for the pensions of NHS staff who are retired. The scheme currently brings in £2 billion more than it pays out – this money goes back to the Treasury. Under the latest changes, doctors will be paying up to 14.5% of their pay towards their pensions. Employers' contributions are 14% across the board and, under the 2008 agreement, they are capped at that for the future.

The NHS scheme is an unfunded scheme - there is no link between what is in the pot and what goes out. It is backed by the government so, if payments out were bigger than payments in, the government would have to pick up the bill to meet the shortfall. However, the government actuary is supposed to stop this happening, by increasing contributions accordingly. The £2bn excess could be argued to be an insurance policy against future costs.

John Wright argues that: "To say you shouldn't put up the contributions doesn't make sense because if this generation of workers doesn't pay enough you are just storing up a bill for future generations."

MPs' pensions
Several people on Twitter have asked about MPs' pensions and how they compare. The MPs scheme is a funded scheme, unlike the NHS scheme - that means it can only pay out money that has been paid in. It is not quite a final salary scheme - benefits are accrued each year according to how much the member is earning them. For example, they might earn 1/60 of a normal MP's salary one year, and 1/60 of a minister's salary the next.

Contributions went up in April 2012, as with the other schemes, and are based on accrual rates which the MP can choose. An MP who chooses to accrue benefits at 1/40 their salary will contribute 13.75% of salary, at 1/50 they pay 9.75% of salary and at 1/60 they pay 7.75%. In 2010 MPs were paid just over £65,000, so that would suggest MPs are paying less for their pensions than doctors.

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  • mr73

    21 June 2012 12:24PM

    I think an important part of this debate is a general feeling that Doctors, GP's in particular, are paid. Clearly they are paid well, GP's earn an average of 100K if the papers are to be believed (though I am a Gp and sadly fall rather short of this). But how much should they be paid? I don't know how much a bus driver gets paid - 25-30K? Tube drivers get 40 to 50K I believe? It's hard to get into medical school, you need to get high grades in some difficult subjects. Medical degress are also quite difficult, lots of lectures etc pretty much 9 to 5 for 5 or 6 years - compared with 10-20 hours of lectures per week for many degrees. Graduate pay is quite good admittedly, good job security and wages can rise to impressive levels if you're a hospital specialist and able to do private work on top of your NHS commitments but again there's lots of demanding and responsible work involved, lots of difficult and very expensive exams etc incredibly expensive annual indemnity fees, it's a stressful job compared with many other occupations.

    So how much should Doctors be paid? Well? Do they deserve good pensions?

  • mr73

    21 June 2012 12:25PM

    Sorry, re the final line above : I meant to say should doctors be paid well? Not: WELL? Not trying to hector anyone....

  • hilaryos

    21 June 2012 12:35PM

    Staff

    It's a good point. At the moment the two - pensions and pay - are inextricably link. Aside from a debate about whether the pay levels or fair, my colleague Jill Insley has suggested reforms could look at whether all of a doctor's pay should be pensionable, or whether the government could set a limit on how much of the salary was taken into account.

  • cjung

    21 June 2012 12:36PM

    When I was working as a junior doctor out of hours getting paid 1/3 of time (NOT time and a third) the quid pro quo for that was the good pension.

    When my pension was renegotiated in 2008 to make it sustainable and protect the taxpayer from the effects of NHS pensioners living longer - my contributions rose as did the normal pension age for the scheme, to 65.

    When I am in my late 60's with the inevitable health problems that will bring to many of us, I will be faced with a choice of retiring early and losing a hefty chunk of pension or to continue working - in labour ward, the emergency department, theatre etc, potentially putting patients at risk from my frailty. What would you choose to do?

    When my next door neighbour on an identical salary in the civil service pays half what I am being asked to pay for the same pension, I wonder, is this fair, particularly as I walk to my car at 3am to go in to attend an emergency...

    When the government currently gains TWO BILLION per annum from the NHS pension scheme and cuts the income tax of the very wealthiest....

    Can you understand why I am pissed off?

  • Pinkpearl

    21 June 2012 12:37PM

    I have said it before but illsay it again.

    How much do you think someone who studies for years, works very long hours, weekends/nights/Easter/Christmas/public holidays and needs to be available for emergencies any time of day ought to be paid. How much to you value your health and therefore the guardian of that health?

    Perhaps another way to put to is this; pick an hourly rate you think is reasonable for doctors. Then multiply that by the number of hours a doctor actually works in a year (not the official number of hours on the contract as this understimates considerably) and I guarantee it comes out at more than we currently get paid. What does this mean? The current hourly rate, all those unpaid hours taken into account, is often less than the minimum wage.

    This is not about doctors being millionaires, if we wanted that we could have chosen to do any other job in the world, it's about a decent wage which reflects a decent job, nothing more, nothing less.

  • theindyisbetter

    21 June 2012 12:41PM

    a typical doctor's salary of £65,000

    Polly I think you should fact check this for a start. Consultants can earn well over 100k just from the NHS, even before the moonlighting down the road for BUPA.

  • DeimosP

    21 June 2012 12:42PM

    Rich want more. Poor have little voice. And the public who are already paying doctors a fabulous salary are now expected to continue with pensions we in the private sector can only dream about.

    And hours are an irrelevance - junior doctors may have long hours at stages of their career but many in the private sector have long hours throughout their careers (and a pittance of a pension at the end).

    Let them strike (impossible to get an appointment anyway these days).

  • dlsAG

    21 June 2012 12:44PM

    Doctors should be paid well and should have good pensions. To suggest otherwise is ludicrous. Doctors have to engage in intensive education and training considerably beyond most other occupations. Medical expertise is specialised (even in wide knowledge ends of the profession) and the stakes, that is our stakes, in that expertise are extremely high. We need and want good doctors. Doctors are not overpaid. The salaries of doctors in the NHS are entirely reasonable. I find it extraordinary that this conversation is being conducted at all.

  • hilaryos

    21 June 2012 12:50PM

    Staff

    Hello, that salary was suggested by John Wright who said it was a typical GPs salary. I will check with the BMA. I realise consultants do earn more, but there will be lots of doctors, including doctors, with earnings that are dragging down the average.

  • Pinkpearl

    21 June 2012 12:53PM

    How many life and death decisions do you have to make or how many people do you have to operate on in the middle of the night? I'm no longer a junior doctor but my hours are still extreme. In the last 10 days I worked 157 hours and I'll be paid for 48. The other night I was operating on an emergency patient who had a piece of dead bowel that needed to be removed, this was at 2am, after being at work since 7 the previous morning.i finished at 5, had a quick sleep and shower at the hospital and started a new day 2 hrs later at 7. I then had a full operating list that day during which I had 7 cases, plus ward round, plus on call, plus supervision of junior trainees and students. That night i didn't go home til midnight. Oh! And I had to give a presentation the next day. When do you think I last saw my friends or had a dinner out somewhere?

  • Foxxxo

    21 June 2012 12:54PM

    there's lots of demanding and responsible work involved

    I'm a scientist, and it frequently annoys me that medics complain they have a difficult job (the "hardest job in the world" I have heard some say). I work very long hours, and get paid slightly above the average, for a job that is highly skilled, and takes years of 50-60 hour weeks to even get to the next level, i.e. a permanent job.

    However, do I think I should be paid the same as a GP, and do I think their salaries and pensions are reasonable? The answer is no, i shouldn't be paid the same as I don't have patients lives in my hands. And it's on that basis that I would say yes the salaries and pensions are reasonable for the level of responsibility that you have. People should be more appreciative of not just what doctors do, but any public servant including teachers, nurses, policemen etc.

  • theindyisbetter

    21 June 2012 12:56PM

    Sorry Hilary, didn't realise it wasn't Polly today.

    You say at the top of the piece that the current scheme is a final salary scheme (not average career salary). Surely therefore the salary of a junior doctor is not therefore relevant - what matters is the typical salary of older, senior, doctors?

  • jamesuf

    21 June 2012 12:56PM

    The doctors are just showing the most extraordinary lack of self-awareness regarding how this looks and in doing so are driving a wedge between themselves and those they treat.

    The article estimates that you would need to save £1.5m over the course of your working life in order to be assured of a pension the same size as that which an average doctor will achieve.

    Earning an average salary of £26k for a working life of 45 years, the man or woman in the street would earn £1.1m in total. But the doctors are defending their right to be able to save up more than that just for their pension. Over a shorter working life.

    I'm a strong believer in the importance of having a strong public sector but given the position that private sector workers find themselves in, the doctors' aggressive negotiation to retain their extraordinary privileges, is cavalier. This attitude from some of the highest people in society risks under-mining the impressive and important relationship between the public and the NHS.

  • scubadoc

    21 June 2012 1:02PM

    ... wages can rise to impressive levels if you're a hospital specialist and able to do private work on top of your NHS commitments...

    So: full-time NHS consultants think that GP partners are better paid, and (salaried?) GPs think that consultants are better paid...

    ... here is a comment that I made earlier today:

    ... to earn the big bucks as a doctor you go into management or (and indeed often both) private practice. Working full-time with patients in the NHS and avoiding the distractions of private practice (universally inimical, in my experience, to doing your best for NHS patients) pays less well.

    It's clear, at least in my part of the world, that doctors devoted to the NHS are the ones, with many reservations and not a little soul-searching, if not guilt, who are taking industrial action. It seems, to me, entirely predictable that those doctors supporting Andrew Lansley are those protected from the governments pension shenanigans. This is why he uses patients and other NHS workers in his argument: it is the striking doctors who care.

    Indeed, it is the doctors who carry on as normal who are happily helping to dismantle the NHS in their own financial interest. Make no mistake, there is a deep political and ethical undercurrent that has persuaded a fundamentally conservative profession to take any action at all, and that undercurrent is the ongoing attack upon the NHS and all of its workers.

  • Foxxxo

    21 June 2012 1:06PM

    No. It's the politicians trying to drive the wedge james, and it appears you've fallen for it. I'll ask you this: how many of those earning the average salary of £26 make life and death decisions? Or even decisions that have long term health repercussions for people? Do you think that counts for nothing? It's called meritocracy.

  • JECLE

    21 June 2012 1:09PM

    The NHS pension scheme currently has a £2bn surplus but this is expected to return to a deficit by 2016. There are two main reasons for this surplus.

    1) According to figures on the NHS Pensions website (www.nhsbsa.nhs.uk) in year 2009/10 NHS workers paid £2.5bn in pension contributions and this was topped up with £5.3bn from the tax payer.

    2) The NHS pension is in surplus also because there has been a large increase in the number of NHS workers recently. While this means more pension contributions now, it also means larger pension payouts when these workers retire and since there is no NHS Pension 'Fund' it will mean a much higher cost to the treasury in the future.

    I don't mind doctors being well paid and receiving a decent pension since they work hard but I do object to having to contribute so much to their pension scheme. On average, for every pound an NHS worker pays in contributions, the tax payer pays in 2 pounds. Compared to the majority of UK workers that just seems unfair.

  • hilaryos

    21 June 2012 1:23PM

    Staff

    I see what you mean - we need the average at retirement for the amount they are getting as pension to be correct. I will go back to John Wright and see if he knows what that is. The average, including junior doctors, is relevant for the contribution levels though. Thanks for pointing that out.

  • akermanis

    21 June 2012 1:26PM

    Its a very complex issue as it ultimately boils down to how much doctors are worth, which is laden with value judgements and very susceptible to personal bias.

    One side issue is that of the public perception of doctors. People generally attend doctors with reluctance. It is a transaction that most would ideally avoid. People don't chose to see doctors based on a perception of high regard they generally do so out of necessity with the expectation that certain things such as competence, communication, confidentiality etc. are intrinsic to that interaction.

    Although doctors do have fairly high regard among the public, I think that is a by-product of their work and not essential to it. If I were involved with these negotiations I wouldn't place too much value on the public regard argument, as it's basically irrelevant. There is a big difference to what people think of 'doctors' as a group, and what they think of the actual doctor who treats them.

  • Bobbydazzler123

    21 June 2012 1:29PM

    Doctors are not overpaid.

    That is a matter of opinion, there can be no consensus on what Doctors should be paid so the argument is unimportant.

    All we can discuss is what the market price for their services is, and since they are strongly unionised (in the form of the BMA) we can say they earn market price + economic rent, so objectively speaking they are 'overpaid'.

  • HJHJ

    21 June 2012 1:30PM

    Absolutely correct.

    What the BMA also doesn't admit is that in the decade to 2009/10, medics' contributions doubled (largely due to the increase in numbers and pay) but that over the same period, the taxpayers contribution increased sevenfold - and is still increasing rapidly.

    www.nhsbsa.nhs.uk/Pensions/Documents/Pensions_FOI_Requests/Sinar_figures.pdf

  • lisakimrob

    21 June 2012 1:34PM

    Of course doctors should be paid well and receive a good pension - but their current demands seem somewhat out of kilter with reality. Very few workers are now on final salary pension schemes and as the article above estimates, you would need to save £1.5m over the course of your working life in order to be assured of a pension the same size as that which an average doctor will achieve.

    There are few jobs nowadays where workers are not expected to regularly work longer than their contracted hours, and many people work in roles which require weekend and bank holiday shifts. Many workers, across a range of professions, are required to study long and hard as part of their careers. Admittedly doctors may be at the extreme end of this, but I'm not sure that this merits a pension which is subsidised quite so much by the tax payer.

  • DrBenS

    21 June 2012 1:35PM

    A few years ago there was a study comparing life expectancy of top docs and surgeons and police who retired at 60 or 65.

    Those who retired at 60 on average lived 15 more years, those who retired at 65 on average lived to 70!

    What does this say? That working a demanding job after age 60 significantly shortens life expectancy. I wish I could reference these stats but I heard them in a lecture regarding life expectancy and pension planning!

    So currently the government are asking for even more contribution while expecting to pay out less and still creaming the £2bn surplus off the top. If they are trying to plunder anyones pensions go for the bankers not the hard pressed docs who have to explain daily to sick patients why they cant receive excellent care.

    And yes I feel health service workers should be compensated for the conditions in which they work across the board. see my blog here for more info http://showhowitsdone.blogspot.co.uk/2012/06/uk-doctors-on-strike.html

  • Bobbydazzler123

    21 June 2012 1:37PM

    How much to you value your health and therefore the guardian of that health?

    If this issue proves anything it is that first and foremost Doctors are an interest group which put themselves before public health or any such abstraction. If 'health' came first then they wouldn't be striking. I appreciate that many Doctors are not striking though and good for them.

    Consider also that the BMA originally opposed the creation of the NHS and have obstructed the NHS over the years to their advantage.

    This is not about doctors being millionaires, if we wanted that we could have chosen to do any other job in the world,

    I find this arrogance quite often with Doctors that they believe they could just walk into another profession and be mega-rich, the implication is that they are saints for stooping so low as to magnanimously waste their intellects treating NHS chattel. Don't tell me you don't care about money (how noble!?) then strike for money...it's nonsensical.

  • Elfy

    21 June 2012 1:43PM

    The current hourly rate, all those unpaid hours taken into account, is often less than the minimum wage.

    I really doubt that... I have absolutely no problem with doctors earning well, or striking to protect the deal they signed up for. But, taking the figure for a typical GP given in the article, it's actually impossible for that to work out at less than the minimum wage, even working 24 hours a day, 365 days a year.

  • Pinkpearl

    21 June 2012 1:44PM

    My comments don't reflect some arrogant chest-beating about how great we are! They reflect the dedication we have. The point about chosing another job that would have made us rich is true. We CHOOSE to do this job because we love it. Hard to believe as it be might for you, we are not motivated by money. Not everyone is. If we didn't put our patients first we would clock off at 5 as we are theoretically meant to and let patients fend for themselves.

  • HJHJ

    21 June 2012 1:49PM

    So currently the government are asking for even more contribution while expecting to pay out less and still creaming the £2bn surplus off the top.

    They are not "expecting to pay out less" - the taxpayer contribution is rapidly increasing and has increased over the last decade far more rapidly that that of NHS workers.

    www.nhsbsa.nhs.uk/Pensions/Documents/Pensions_FOI_Requests/Sinar_figures.pdf

    And if you think that there is a surplus then you don't understand pensions. To claim that there is a surplus just because current contributions exceed current outgoings is disingenuous as it entirely ignores the (much greater) build-up of future pension payment liabilities.

  • MrsaMrsa

    21 June 2012 1:55PM

    I think that science is criminally underpaid...one of the main reasons why the UK lost its pre-eminence in the world

    Im a researcher and physician. The research aspect doesn't pay nearly as well as the physician aspect. Both are difficult and demanding in different ways. One thing that i do enjoy when i am doing my research, is that however long and arduous the hours i have to work, it invariably does not involve constantly changing shifts that just tire you out. 60 hours a week is a lot more difficult when yo uare doing it in shifts of 2pm-1am, then 8.30pm-8.30am then 9-5 constantly switching between them. This pattern of work not just tires you out, but reduces your life expectancy and increases morbidity (such as cancer). Shift workers need to paid to compensate for this.

  • ushmush

    21 June 2012 2:01PM

    I have never been to a good GP. Never helpful, most of the time cynical and always think they know best. It's like they resent seeing a patient. For that reason, I have no sympathy for them.

  • Bobbydazzler123

    21 June 2012 2:04PM

    The point about chosing another job that would have made us rich is true.

    No it's supremely arrogant especially as most Doctors have never existed outside of public sector institutions and have no idea about the cut and thrust of the private sector. Success in one field doesn't mean one is guaranteed success in another.

  • meninwhitecoats

    21 June 2012 2:06PM

    Rather than look at pensions, I would say the package as a whole is too generous - the pensions are the end product of overpaid doctors.

    There are some exemplary doctors in the profession who may well deserve their package but there are too many lack lustre GP's just going through the motions and getting money for old rope.

    It's nigh on impossible to get a GP to come out to visit a sick old person but come the vaccination season they are on the phone like tawdry salesmen touting for business. Their raison d'etre is to care for the infirm not to meet targets.

  • diggersailing

    21 June 2012 2:08PM

    First of all let me qualify my response by my situation. I am a Civil Servant in a middle ranking role, my wife is a vet, relatives and friends are doctors, some of whom now work part-time simply because they earn enough.

    We convert a lot today into a monetary value for worth, we often have family discussions over 'vocation' and definitions of worth. People seem to have lost a sense of duty over maximisation of financial benefits, I believe Doctors in general have been very fortunate in their agreed packages over the last 10? years.

    Are Doctors worth a decent salary - absolutely. If we take the Civil Service Scale - the highest non Senior Civil Servants earn typically £55 - £65K. Typically these people are gifted, have post graduate degrees have various skills and intelligence at their roles and at management. These people devote a lot of time to their work, probably exceeding 45 - 50 hours per week minimum.

    If you are in the public sector, if you believe in a certain amount of 'service' for the greater social good then I think the above is not an unreasonable comparitor. If you argue that Dr's are worth more (not specialists or consultants), then you are comparing them to the salary bands of Senior Civil Servants, or equivalent to the most senior military ranks. If the £100K salaries are correct - that bears no equivalent with the Civil Service that I know, except for our directors.

    My wife by sense of alternative measure as a salaried vet - is unlikely to earn more than £40-£45K full time and has only a self-contributory pension because it is in the private sector and purely profit based, yet she had to train in similar ways to Doctors in the initial years. She has to do on-call, weekends and it costs us a lot as a family in terms of time and child-care.

    So in conclusion, I believe they are extremely well paid, they are worth our respect and gratitude for looking after us - however that does not necessarily correlate to extraordinary pay in a public service. Private is a different matter in my opinion. Should they accept the change - yes.

    I will be unlikely to earn £65K at the current rate of pay freezes let alone retire on it, my wife will be lucky if she has any retirement pot at all. I do believe there are two principles at stake, one - the focus on money as the sole arbitrator is wrong in principle. Two - I can understand the principle of striking when the government continues to move the goal posts - as we have observed within the Civil Service.

  • mr73

    21 June 2012 2:13PM

    Foxxxo - I absolutely agree that scientists are underpaid - and that you're almost certainly underappreciated for the work that you do. I wasn't complaining about the difficulty of my job, or complaining about my pay - I'd be mad to do that - I think I get paid pretty well. What I was complaining about is the Knee-jerk response of so many people to the headline figure of average GP/Hospital Specialist earnings. It sounds like a lot, and it is a lot, but it's not as much as your average banker, dentist, barrister, whatever gets. My point was this - how do you judge value. Thanks for your support incidentally.

  • Pinkpearl

    21 June 2012 2:14PM

    And how do you think you would fare in my job? Why the aggression?

    The point is when we had finished school, we had the grades that were a passport to any other degree course. If money had motivated us we could have chosen law or dentistry or various other pathways that ultimately would have lead to a much higher-paying career. Instead we made a different choice in the full knowledge it was not going to make us rich, and that's ok. All we want is a fair wage for the work we do.

  • jamesoverseas

    21 June 2012 2:16PM

    I have no problem with Doctors being paid well - and since the astonishing 2004(?) GP contract, GPs would be best advised to maintain a discreet silence on the subject. But the reality is that we are all living longer, and that means we all have to work longer and contribute more to pensions.

    Personally, I think that the only way of draining the poison from the Pensions argument is to make ALL public sector pensions Defined Contribution. That way the cost / value will be transparent to everyone, and the total remuneration package will either withstand scrutiny or it won't.

  • Pinkpearl

    21 June 2012 2:19PM

    I guess I need to clarify the training pathway. Everyone starts out going through the junior doctor stuff. After a few years you choose to specialize. Either you can train to be a surgeon, physician or GP etc. Once you have complete your training in that specialty you are a consultant in that specific area. GPs thererfore are consultants in general practice and are on a par in terms of seniority with consultants in any other area. They will have completed all the post-graduate specialty exams from the Royal College of General Practitoners, just like a consultant surgeon has completed the equivalent from the Royal College of Surgeons.

  • MrsaMrsa

    21 June 2012 2:20PM

    Doctors have never existed outside of public sector institutions and have no idea about the cut and thrust of the private sector. Success in one field doesn't mean one is guaranteed success in another.

    Firstly, of course success isnt guaranteed. But they would have had a damn good (statistically speaking) chance. The strongest predictor of degree class is raw A level scores (which also correlate strongly with IQ). the strongest predictors of employment and salary are family background which puts doctors at an advantage over others because of their chance of having an advantageous one, the type of degree, the class of degree and the institution. With straight As and A* and a string of extra-curricular, these students would have made damn good candidates for being on the top end of employable graduates - which with those grades would have got them into very strong institutions doing science type degrees and with a privileged family background, it is highly likely that they statistically speaking would outperform the 'average' A level student. Of course some wont make it, and some with less than stellar credentials will. But they, as a group, would have been successful in other fields.

    And you have no idea about the 'cut and thrust' of medicine, the competitiveness necessary to succeed in medical training, never mind even being allowed to enter

  • Bobbydazzler123

    21 June 2012 2:23PM

    Sure but perhaps aside from Dentistry having a degree is not necessarily a passport to money/success in contrast to how grades are a passport to a degree.

    I just think you are presuming a lot about fields/careers you are ignorant of and also assuming the the future is predictable.

    This is a typical argument I hear from many public sector people especially Teachers.

    Having worked in the private sector I can tell you that the lack of job security, and the general ethos is very much in contradistinction to 'caring' professions and teaching (if you don't count teaching in that class).

    Personally I wouldn't want to see a born lawyer as my GP. Intelligence is one thing but less tangible qualities such as empathy and being human is another.

  • Pinkpearl

    21 June 2012 2:24PM

    Some good points but can I just clarify, only consultants or specialist at the top of their game in the last few years of work per-retirement would be on anything like 100k. Most others ear more like what your wife does and less than you.

  • andrebreton

    21 June 2012 2:27PM

    Are doctors' pensions too generous?

    This is the wrong question, and its depressing and sad to see so many get into this tit for tat type discussion over other peoples pay and conditions.

    This 'debate' is being generated falsely it is only because of the economic crisis and the State bailing out private banks that this is even up for discussion.

    Who cares if doctors pensions are good? Shouldn't all pensions and old people enjoy a good quality of life? Is this really beyond us in the 21st Century? It will be under Capitalism.

    And there's the rub, whinging about other workers pensions means we are not focussing on the fact there is wealth in our society, it's just all at the top.

    The 1000 richest people in UK £155 Billion richer in the last 3 years, enough to pay off the deficit and still have £30 Billion left over.

    Big business sitting on £750 Billion not having a clue what to invest in.

    That's the problem not doctors or anyones elses pensions and please lets stop the rubbish about people living longer being a problem, really? Shall we start to kill everyone over 70 then like Logan's Run?

    The way society is heading people will start to live shorter lives, not longer ones.

    Divide and rule, divide and rule.

  • Ortho

    21 June 2012 2:28PM

    Trouble with that take on it is this- was there no other way to express unhappiness than to hit patient care?
    And round here the GPs 'striking' are getting paid in full for the day because they are 'at work' though refusing to see patients. That doesn't help people's feelings much.

  • Bobbydazzler123

    21 June 2012 2:29PM

    And you have no idea about the 'cut and thrust' of medicine, the competitiveness necessary to succeed in medical training, never mind even being allowed to enter

    There is lots of politics and deception in the private sector, it's not some laid out road map to 'success' like medical school.

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