Avoid this NHS back pay tax trap

[@robbiekerry4500]

Important to check that the pensionable arrears are allocated to the correct pension year, or there will be incorrectly high theoretical growth in 24/25. Easier said than done at present with the pressure the NHS pnsions service is under.

[@akhilkrishnamoorthy1724]

How can I reduce my income threshold below 100k via the NHS pension additional contributions? If I need to reduce about 20k of taxable income- do I contribute monthly or lump sum? If I contribute monthly- would it not spill over into the next years tax implications?