On 11/02/2018 23:20, Max Demian wrote:
The pension terms (both contributions and
benefits) have been altered many times over the years,

Nope.

The NHS superannuation scheme has a 1/80th accrual rate
and a retirement age of 60 and a tax-free lump sum of
3x first years pension. All this for a 6% employee
contribution, and GPs, despite being 'self-employed' are
full members of this scheme. Eat your heart out ARW if
you have to make your own provision.

That was the case until 2011 when a new scheme took over
with a retirement age of 65, reduced, or no lump sum but
a better accrual rate.

There might have been changes to the civil service schemes
but some of them had a zero % employee contribution.