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Financial and other products
Critical illness cover and income protection E p. 2. Check if it still pays if
you are capable of doing a less demanding job. Check if it pays for all conditions you may get atwork.
Life insuranceThis pays out a lump sum if you die; only really makes sense
if you have dependants.
Pension The NHS scheme is still better than commercial alternatives.
You should revisit your retirement planning at regular intervals through your career. You will also receive a state pension through your NI payments.
BMA and HCSAProtection for non- clinical matters, eg wrong salary or poor
accommodation; the trade unions for doctors (Ep. 2).
TaxNow that you are earning a salary you will be paying tax. Most will
be collected by PAYE (Pay As You Earn). If you have no other sources of income then you can leave it at that (Box .7). If you have any other in­come then you should ask for a tax return and completeit.
Tax codes Ep. 4. Tax deductibleIt is possible to claim back the income tax you paidon:
• Job- related expenses (eg stethoscope); make sure you keep receipts
• Professional subscriptions, eg GMC, BMA, MDU/ MPS, Royal College
• Examination fees and course fees (previously not deductible, but
HMRC has relented on this since202).
Tax reclaims may be made through full self- assessment, but this is not essential. If you pay tax through PAYE, you can reclaim online. You must also include details of any additional, undeclared income, including cremation forms. Your tax code for subsequent years will be adjusted accordingly.
Tax returnsA tax return is an online form asking for details of all the money
you have received which may have tax owing on it. This includes your salary and other income whether earned (eg locum shifts or cremation fees) or unearned (eg lodger/ atmate, bank interest, and dividend yields).
• If you are asked to complete one then obtain a Government Gateway ID
(Mwww.gov.uk) and password. This takes time, don’t leave it until January
• Fill it in online and the maths is done automatically
• Return it before 3 January otherwise you will be ned £00 (if <3mth
late), or more if >3mth late (depends on how late, and how much is due)
• Claim your deductible allowances but also list your additional income.
The Inland Revenue has been known to ask an undertaker to list all pay­ments to doctors and then cross- check. If your tax is simple then tax returns are not hard to do, otherwise pay a company/ accountant to do it foryou.
43MONEY AND DEBT
Box .7 Documents tokeep safe forat least 7years
• P60— sent every April to all employees
• P45— sent to you every time you changetrust
• Payslips— issued every month— if electronic, then savecopies
• Record of additional income— eglocums
• Annual interest statements from bank, savings/ shares— issued annually.
44 CHAPTER  Being adoctor
NHS entitlements
As a doctor working in the NHS you have certain entitlements, dened under your ‘Terms and Conditions of Service’. Those relating to salary are discussed in ‘Pay and contracts’ (E pp. 38–9). Some others are listed here. Your rst point of contact for any questions is your medical stang department and the Foundation school. Always ask for copies of their written policies.
Accommodation
• Doctors in their rst year after graduation are no longer entitled to
free accommodation at their employing trust, except in Wales where, for the time being at least, funding for accommodation is still available
• Rooms may well be available on site at a market rate and can
be useful when attached to a trust for a short period that would otherwise make nding local accommodation dicult.
Leave entitlement
• You are entitled to a total of 27d/ yr of paid leave or 9d/ 4mth. You
are also entitled to all bank holidays in addition— or compensatory days o if you are scheduled to work on any part of a bank holiday
• If a compensatory day o, eg after working nights, or pre- allocated
annual leave falls on a bank holiday, you are entitled to an extra dayo
• You are rarely allowed to carry leave over between jobs/ years
• You need to give 6wk notice for leave; arrange this in good time
and have your form signed by your consultant. There may be local allowances if rotas are received late or you are changingtrust
• If you need leave in a forthcoming post (eg getting married), write to let
them know. Ask for the rota position which is o for thosedates
• Study leave is available for Fs but only for regular scheduled teaching.
F2s have 30d per year that includes scheduled teaching but spare days can be used for courses/exams. Discuss leave with your supervisor.
Maternity/ paternityleave
• All women are entitled to up to 52wk of maternity leave and must be
allowed to return to work after this. Those who have worked for the NHS for 2mth by the th wk of pregnancy are then entitled to full pay for 8wk, half pay for 8wk, and any remaining Statutory Maternity Pay for the remaining 3wk (pay calculators available online who have worked for <2mth by the th week of pregnancy are entitled to Statutory Maternity Pay only
• Fathers may have the right to up to 26wk paternity leave. Shared
parental leave is also an option.
• If you are absent from your F or F2 post for any reason for >4wk, you
are unlikely to be signed o and will need to arrange to complete your training on your return. For practical reasons, your Foundation school may ask you to repeat the whole year— ask your educational supervisor.
Less than full- time/ exible training
• FP doctors are entitled to train less than full- time if they have a validreason
• A comprehensive list of valid reasons and advice on how to apply is
available from your Foundation school.
8
Mhttps:// www.gov.uk/ pay- leave- for- parents
8
). Those
Specialty training
After the FP you need to apply for specialty training. Although changes are on the horizon (Box .8), at present there are two main options:
• Specialty training (ST) or core training (CT)— most junior doctors
• Academic clinical fellowship (ACF)— for those interested in research,
recruitment occurs earlier to allow unsuccessful applicants to apply for regular ST/ CT posts (E p. 68 and Mwww.nihr.ac.uk).
RoutestoCCTThe goal of specialty training is to award a Certicate
of Completion of Training (CCT). This allows you onto the GMC’s spe­cialist/ GP register and to become a consultant/ GP. After the FP there are two routes toCCT:
Run- through training In some specialties (paediatrics, GP, neurosurgery)
competitive entry at ST leads to a 3– 8yr ‘run- through’ programme within a single region, with no further competitive entry points.
Core training In other ‘uncoupled’ specialties, competitive entry leads to a
‘core training’ programme followed by another application to ‘higher specialty training’ (cardiology, neurology) on completion. Core training programmes
are typically between 2yr and 4yr.
CESRFor those who do not follow a straightforward career path through
to CCT, periods of time spent in training posts and experience gained may all be taken into consideration as part of an application to the GMC for a ‘Certicate of Eligibility for Specialist Registration’ (CESR). This route is especially useful for those who have spent considerable time overseas.
K Box .8 The ‘Shape ofTraining’ report
The ‘Shape of Training’ report marked the evolution of a number of previous reports (‘Modernising Medical Careers’, ‘Time for Training’, ‘Foundation for Excellence’) examining how we can best adapt training programmes to the changing needs of society. Published in 203 by Professor David Greenaway, it sets out a structure by which changes in patients (eg multiple comorbidities, complex conditions, ageing populations) and healthcare (rapidly shifting technologies and NHS restructuring) might be matched by medical training, without destabilizing current training and service delivery. In brief, the report advocates training clinicians who are more generalist, engaged, and adapt­able to change. The 9 wide- ranging recommendations include full GMC registration after medical school, broader and longer training programmes after the FP (eg women’s health, child health, mental health), transferrable competencies allowing easier transition between programmes, postgraduate opportunities to work in recognized related elds (similar specialties, man­agement, education), and subspecialty ‘credentialing’ (subspecialization only after ‘Completion of Specialty Training’ as driven by patient and work force needs). Although ocially independent, questions of political interference were raised after a Freedom of Information request uncovered minutes from a series of previously undisclosed meetings between representatives from the DH, the GMC, and Professor Greenaway. The recommendations were accepted by the government. Organizations including the Academy of Medical Royal Colleges and GMC have ongoing workstreams mapping out the practical implications of the report. Early changes have already begun, with longer- term changes likely to take between 0yr and 5yr.
45SPECIALTY TRAINING
46 CHAPTER  Being adoctor
Specialty training applications
Recruitment processThe application process varies between special-
ties and is rapidly evolving. Most recruitment is organized nationally by the appropriate Royal College or a ‘lead’ LETB using a web- based application system. There is no limit to the number of specialties you can apply to, providing you full the eligibility criteria set out in the ‘person specication’. Begin preparing well in advance.
Choose a specialty/ specialties(E p. 53.) Considering person specications
and competition rates available at Mhttps://specialtytraining.hee.nhs.uk/
recruitment/person-specications
Check your eligibilityFor applying to a training programme, eg GMC regis-
tration, right to work in the UK, language skills, prior experience.
Complete theapplication formPaying close attention to deadlines. For sev-
eral specialties a single application portal called Oriel isused.
Wai tAs applications are reviewed, applicants are shortlisted for interview; in
certain specialties a further assessment is used in shortlisting.
Interview/ selection centre(E p. 60.) You should receive at least 5d notice, but
this is not always adhered to; you need to bring a long list of supporting docu­mentation, including your portfolio (E p. 8). Formats will vary between a traditional panel- based interview (eg core training programmes) or per­forming a number of exercises in front of assessors (egGP). What to expect from the interview should be available on the relevant college’s website.
Oers Are made electronically through the UK oers system according
to a coordinated timetable. You will be asked to rank all LETBs where you would accept a job; successful applicants are then allocated to LETBs in score order (you will be allocated to your highest preference that still has places when your turn comes). You then have 48h to review oers and decide whether to accept, hold, or reject. You may also elect to re­ceive automatic ‘upgrades’ if a higher-ranking choice becomes available.
Re- advertisementTo unlled posts will take place in a second application
round. If you accept a job in round , you may still apply for a dierent post in round 2, but you need to inform all those concerned.
Employment checks And contract signing— remarkably NHS employers
claim to need up to 2 months after you start work to get around to issuing a contract and some manage to miss even this. Speak to your BMA representative in the event of contract problems.
Unsuccessful applications
K ‘If you can trust yourself when all men doubt you, But make allowance for their doubting too... If you can dream— and not make dreams your master... If you can meet with Triumph and Disaster And treat those two impostors just the same ... Yours is the Earth and everything that’s in it, And— which is more— you’ll be a Man, my son!’
The nature of a competitive jobs eld is that not everyone will get their rst­choice post on rst application. In this instance, a miss and a mile are very dif­ferent entities and it is important to ask for feedback to establish how far wide of the mark you were and whether you need to consider applying to a less competitive specialty. Discuss your options with your clinical and educational supervisors and consider how else you may enhance yourCV.
9
Rudyard Kipling (865– 936):‘If’, rst published in Rewards and Fairies (90).
9
Career structure
47CAREER STRUCTURE
Fig..2 Career structure for NHS doctors. VTS, Vocational Training Scheme.
48 CHAPTER  Being adoctor
Specialty training options
There are 2 dierent training schemes that an F2 can apply for (Table .3). In most specialties there are also ACFs. Applications for ACFs occur before the main recruitment process so that unsuccessful applicants can still apply for a regular training post. Most ACFs allow for run- through training, even in specialties that would normally have sep­arate core and higher specialty applications.
Acute care common stem(ACCS)For trainees with an interest
in acute specialties, ACCS provides a core 2yr experience in acute medicine, anaesthetics, emergency medicine, and critical care, with a further 2yr spent in one of three streams (acute medicine, anaesthetics, emergency medi­cine). Choice of stream is determined at the point of application to ACCS. Although the curricula and competences gained are transferable between ACCS streams, it is not possible to move between career paths without fur­ther competitive selection.
Acute medicine CT–2 in ACCS specialties then CT3–4 years spent in
acute medicine. At the end of CT3 it is theoretically possible to switch specialties from acute medicine to a general internal medicine specialty.
Anaesthetics CT–2 in ACCS specialties then CT3–4 years of anaes-
thetics; competitive entry to ST4 anaesthetics requires having passed the Primary FRCA (E p. 61). Anaesthetics can also be applied for directly as a 2yr core anaesthetics training programme.
Emergency medicine CT–2 in ACCS specialties then CT3–4 years of
emergency medicine; competitive entry to ST4 emergency medicine re­quires having passed the MRCEM (Ep. 61).
General practice specialty training General practice has run-
through training coordinated through a nationwide application. The appli­cation consists of four stages:
• Application form (establish eligibility)
• Computer- based testing (clinical problems and professional dilemmas)
• Job allocation andoer.
Successful applicants undertake 8mth spent in hospital specialties, fol­lowed by 8mth as a GP registrar during which the MRCGP must be completed to join the GP register and getajob.
Core surgery/internal medicine trainingThese are popular un-
coupled training schemes. You apply for core training, with most deaneries allowing a choice of specic rotations only after successful appointment into post. After 2yr of core surgical training or 2–3yr of internal medical training there is a competitive application for ST3/4 in a specic surgical or medical specialty. To apply for ST3 in surgery you need full MRCS mem­bership before your interview; for medical specialty posts you need Part of MRCP to apply, but need full MRCP by the date of starting your spe­cialty post. It should be possible to apply for specialties other than those in which you did your core training if you can demonstrate appropriate competences; it helps if you can arrange taster weeks, audit, or research in the subspecialty you are applyingfor.
Table.3 Specialty training programmes atCT/ ST (2022)
Specialty Recruitment contact details
Run- through specialties
ACFs NIHR Trainees Coordinating Centre
Cardiothoracic surgery
Child and adolescent psychiatry
Clinical radiology London recruitment
Community sexual and reproductive health
General practice National GP recruitment
Histopathology London recruitment
Neurosurgery Health Education Yorkshire and theHumber
Obs and gynae Health Education North West
Ophthalmology Health Education South West
MaxFax surgery Health Education South West
Paediatrics Royal College of Paediatrics and Child Health
Public health Health Education East Midlands
Uncoupled specialties
ACCS— acute medicine
ACCS— anaesthetics Health Education West Mids
ACCS— emergency medicine
Anaesthetics Health Education West Mids
Broad–based training NHS Education for Scotland
Core surgical training London recruitment
Core psychiatry training
Internal medicine training
Source:data from Mspecialtytraining.hee.nhs.uk— this website is the best startingpoint.
Health Education Wessex Mwessexdeanery.nhs.uk
Health Education England North West Mnwpgmd.
nhs.uk/
Mlpmde.ac.uk/
Health Education East of England Mheeoe.hee.nhs.uk/
Mgprecruitment.hee.nhs.uk
Mlpmde.ac.uk/
Myorksandhumberdeanery.nhs.uk/
Mwww.rcpch.ac.uk
Royal College of Physicians
Mhttps://www.imtrecruitment.org.uk/
London recruitment Mhttp:// www.lpmde.ac.uk/
Mhttp:// www.lpmde.ac.uk/
Health Education North West Mnwpgmd.nhs.uk/
Royal College of Physicians
Mhttps://www.imtrecruitment.org.uk
Mnihr.ac.uk
Mnwpgmd.nhs.uk Mseverndeanery.nhs.uk Mseverndeanery.nhs.uk
Meastmidlandsdeanery.nhs.uk
Manro.wm.hee.nhs.uk
Manro.wm.hee.nhs.uk
Mwww.scotmt.scot.nhs.uk/
49SPECIALTY TRAINING OPTIONS
Person specications These list the required competences for that
specialty. In making an application, you will need to provide evidence to prove that you have achieved the specied competences. Consult these as soon as you anticipate an application to a scheme so that you can see what you need to do. Full details are available at Mspecialtytraining.hee.nhs.uk. If you are applying for an ACF, you will need to meet the criteria in both the clinical person specication for your chosen specialty and level and the ACF person specication.
50 CHAPTER  Being adoctor
Specialty training competition
Competition for dierent specialties varies, as does competition for the same specialty in dierent parts of the country.
Competition ratios are published annually to allow applicants to view the previous year’s ratios. These typically show the number of applications received for each specialty and the number of posts available; a compe­tition ratio is derived by dividing the former (number of applications) by the latter (number of posts). This ratio roughly represents the number of people applying for each available post (Table.4).
Only the highest scoring candidates will stand a chance at getting a job in specialties with a high competition ratio; for specialties with a lower competition ratio the applicant must still meet the minimum require­ments for the job to be oered it. Remember that applicants can apply for multiple posts so the actual chances of getting a job are higher than the ratioshown.
In previous years, applicants have had to factor in not only competition ratios by specialty, but also by deanery. The move to national recruit­ment has removed this element— you can rank all deaneries/ LETBs where you would be prepared to accept a job without disadvantaging your chances in any one region. After completion of the assessment pro­cess you will be ranked nationally, and assigned to your highest choice deanery that still has a vacancy when your turn in the queuecomes.
That said, it is important to consider what your own priorities are. If you are adamant that you want to stay in one particular area of the country, you may need to recognize that the area may be very popular (eg London). Are you happy to pick a less popular specialty to increase your chances? Equally, if you are determined that you want to enter a highly competitive specialty, are you willing to pick a region potentially miles away from your current home as the competition there is much less? These are decisions which should be talked through with friends, family, mentors, and your educational supervisor.
Specialty training in the UK Although applications to specialty
training are coordinated throughout the UK, within each of the four coun­tries a degree of local structure remains.
•
England Mspecialtytraining.hee.nhs.uk
•
Northern Ireland Mwww.nimdta.gov.uk
•
Scotland Mwww.scotmt.scot.nhs.uk
•
Wales Mwww.walesdeanery.org
Table.4 Competition ratios forCT/ ST applications (202)
Specialty Applications Posts Competition
ACCS emergency medicine 424 36 3.95
Anaesthetics inc ACCS 2046 566 3.6
Cardiothoracic surgery 3 6 8.83
Clinical radiology 677 358 4.68
Community sexual and reproductive health
67 6 27.83
Core psychiatric training 53 506 2.99
Core surgical training 2528 607 4.6
General practice 7640 4269 .79
Histopathology 272 06 2.57
Internal medicine training 3590 567 2.29
Neurosurgery 242 5 6.3
Obstetrics and gynaecology 877 260 3.37
Ophthalmology 605 89 6.80
Oral and maxillofacial 53 0 5.30
Paediatrics 886 423 2.09
Public health 988 98 0.08
Source:data from Mspecialtytraining.hee.nhs.uk— visit website for most recent data. Data are
not available for all training programmes. Applications and posts are for Round  only and do not count subsequent re- advertisements. Competition ratio represents the number of applicants per post— bear in mind that candidates may apply f or multiple training posts. Fill rate is the nal number of posts in each specialty that were lled— including appointments made in additional rounds of re- advertisement.
ratio
51SPECIALTY TRAINING COMPETITION
52 CHAPTER  Being adoctor
Choosingajob
Once you have secured a training rotation, you still need to choose which specic jobs to do. There are also jobs outside of specialty training rotations that have a local application process. This section gives ideas about how to nd and choosejobs.
PrioritiesBefore looking for a job, write a list of factors that matter to
you in making this potentially life- changing decision. Important consider­ations include:
Partner/ spouseCan they get a job nearby? LocationCould you move? How far would you commute? Family/ friendsHow far away are you willingtogo? CareerIs the job in the right specialty/ specialties? DurationCan you commit to several years in the samearea? Rota/ payWhat banding and rota do you want orneed? Type ofhospitalLarge teaching hospital vs district general.
If you have no rm career intentions then choose by location and rota since these will aect your life most over the next few months. Look for suitable jobs on Mwww.jobs.nhs.uk, Mspecialtytraining.hee.nhs.uk, deanery websites, or in theBMJ.
Job oersA national timescale for FP and ST/ CT job applications exists
whereby all job oers are made at the same time. This allows you to ac­cept the highest ranked job that you applied for. Bear in mind that you cannot change your job rankings after submitting your application.
CompetitionMedical jobs are competitive; it is important to maximize
your chances of getting a job. Apply for several specialties; rank as many regions as possible; check competition ratios and person specications (E p. 5, Mspecialtytraining.hee.nhs.uk); consider a back- up choice, eg a less competitive specialty or region. Agood CV also helps (Epp. 54–5).
Researching a jobAdverts rarely give a true reection of a job. Email
hospitals within the region and ask to speak to the person doing the job at the moment. Quiz them on the types of placements available, hours, sup­port, teaching, conditions, and what their interview was like. Would they accept the jobagain?
ContactsWith HR departments and structured interviews, the days of
jobs being just a consultant phone call away have gone. There is no doubt that some networking still occurs, with mixed results. Senior contacts are useful for tailored career guidance, CV advice, and giving realistic views of where your CV can getyou.
Accepting a job With a move towards unied, online application pro-
cesses, strict and automated rules are essential to ensure a rapid and fair al­location to posts. In order to allow for choice, under certain circumstances it may be possible to accept, or hold, an oer, and later upgrade, or apply to a dierent post, providing you notify all those concerned. Outside of this formal process, it is unacceptable to turn down a post you have already ac­cepted unless you have an extremely good reason. The GMC take a clear position on your obligation to protect patient care by not compromising the recruitment process in this way, though notice periods vary by seniority.