Dom's numbers seem a bit strange. If, for argument's sake, we assume a doctor makes 100K a year, paying 14.5% a year over a 40-year career builds a pension pot of some 1.125 million (assume 3% return, granted a bit low). At 68k per year, the doctor's pension will go more than 17 years on his own money before getting a single penny from the taxpayer.
You've heard of "Disgusted, Tunbridge Wells"? Well, I live in Holland Park and I've Had It. Up to here! An old curmudgeon, I rant and rave about things I read, see or hear in the News. Frequently sarcastic, irreverent and libertarian; often wrong - but never uncertain.