Many nursing staff in the NHS pension scheme opted out of it during the period 2015-22, for tax and other reasons. Now, there is a rare opportunity to buy back pension for service in that period. This will be good news for many, but in certain circumstances, buy-back could end up creating its own tax problems. The complexity of the issue means each individual should consider their options carefully and ensure their own situation is analysed properly. An NHS pension scheme expert explains the steps you need to take, first to find out if you are eligible, and then in considering what is the best option for you in retirement.