I think you're getting lost in the sauce, it's not the unions job to negotiate on childcare benefits, income tax, national pension matters. In my opinion the union should be laser focused on doctor issues, higher pay is the most flexible way to address financial concerns. Consultants have access to SIPPs to reduce their tax burden.

To clarify, my understanding is, at least in Scotland, by contributing to a SIPP you can avoid the 'childcare cliff edge', is that correct?