Member Types

Since 1 April 2015, in respect of the Teachers’ Pensions Regulations 2014, members fall into one of three categories:

  • Protected member;
  • Tapered protected member; or
  • Transition member.

Protected

A protected member is one who was an active member at 1 April 2012 and who was within 10 years of Normal Pension Age (NPA) on 1 April 2012. These members remain in the final salary arrangement, provided they do not have a subsequent continuous break in pensionable service of more than 5 years, until they take their pension entitlement in full.

Tapered

A tapered member is one who was between 10 and 13.5 years of their NPA at 1 April 2012. These members remain in the final salary arrangement until a later date, their transition date, and then move to the career average arrangement. If they have a break in pensionable service of more than 5 years before their transition date they will move into the career average arrangement on returning to service.

The transition dates are individual to each tapered member and depend on their age and if they were under the 60th or 80th final salary arrangements. View the transition date table.

Transition

All other existing members were treated as Transition members and moved to the career average arrangement on 1 April 2015.

New starters (post April 2015)

Anyone who joins the Teachers’ Pension Scheme after 1 April 2015 entered the career average arrangement.

Final salary link

For transition members who have benefits in both final salary and career average and don’t go on to have a continuous break in pensionable service of more than 5 years, we’ll use the salaries they are earning in career average to calculate the Average Salary used in determining final salary benefits (rather than the salary they were on when they left the final salary arrangements).

Continuous UK Public Sector Pensionable Service and Salary Link

If a member with final salary link protection decides to leave the Teachers' Pension Scheme but returns within 5 years, the member will retain their final salary link.

If a member returns after a gap of more than 5 years, they will lose their final salary link unless they can demonstrate that they have been employed in continuous pensionable public service in the UK, without a break of more than 5 years (in the intervening period).

If a member leaves a scheme (Scheme A) and joins another public sector pension scheme (Scheme B) but wishes to retain their salary link with Final Salary benefits, they will be required to transfer their benefits into Scheme B (assuming Scheme A and B are club schemes, there has not been a gap of more than 5 years and that the transfer is completed within 12 months of joining Scheme B).

Last Updated: 28/01/2021 11:40

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