Teachers' Pensions

Top 10

Take a look at our most frequently asked questions.
  • How can I calculate the amount of lump sum I can take when I retire?

    Our calculator will help you to work out the maximum lump sum you're able to take.

  • Why have I been asked to complete a Certificate of Re-employment?

    Probably because we’ve received information that you may be re-employed after your retirement and we need to assess the impact on your pension. The form provides all the information required to determine if your pension is affected by your re-employment. Failure to complete the form could result in an overpayment of your pension that you’ll be required to repay.

    Irrespective of the number of days you’ve worked, you must submit a fully completed Certificate of Re-Employment to ensure that your pension has not been overpaid.

  • How much will I pay?

    Whether you’re a full-time or part-time member, you’ll pay a percentage of your gross salary into your pension each month.

    The good news is that your employer will also be contributing towards your pension too and you will receive tax relief on your contributions.

    The pension contribution bands for 2018 are shown in the table below. They usually change each April (keep an eye on the website, and we’ll announce any changes with plenty of notice).

    Annual Salary Rate for the Eligible Employment from 1 April 2018  Member Contribution Rate 
     Up to £27,047.99  7.4%
     £27,048 to £36,410.99  8.6%
     £36,411 to £43,171.99  9.6%
     £43,172 to £57,216.99  10.2%
     £57,217 to £78,022.99  11.3%
     £78,023 and above  11.7%

    Like any financial transaction you make, it’s important you’re paying the correct amount. So check your payslips and if you think a mistake is being made, contact your employer’s Payroll Department immediately.

  • What is a Death Grant?

    The in-service death grant is the payment made in the event you die while still in-service, i.e. an active member paying contributions to the Scheme. If you’re in the Career Average arrangement it’s three times your annual rate of pensionable earnings, but if you’re part-time or irregular this is assessed as if you were full-time. If you’re in the Final Salary arrangement it’s three times the full-time equivalent. If you die while in additional service after retirement (ASAR) any previous lump sum benefit payment will be offset from the grant.

    The in-service death grant is payable during periods of family leave covered by part-salary and / or statutory benefits, or a period of non-pensionable family leave that follows immediately on from a period of pensionable service. It’s also payable during: periods of absence due to illness as long as you’re receiving at least half pay; you were an active member called up for duty in Her Majesty's armed forces and made an election to treat the period as pensionable service; or you die within 12 months of leaving all pensionable employment due to incapacity (and a retirement pension other than a phased retirement pension hasn't become payable in relation to that service prior to your death). Otherwise an out-of-service death grant is payable, which is based on 2.25 times the value of your annual pension, had you been eligible to receive it.

    Please ensure you review your nomination regularly to ensure it reflects your wishes.

    To be extra confident and reassured you might like to make a new death grant nomination via My Pension Online.

  • I’d like to change my contact details, how can I do this?

    You can quickly and easily change all of your contact details via your MPO account. First of all you’ll need to login. You’ll be taken to your Member Dashboard where you’ll see your Task List which contains the options to change your personal details, contact details and your address.

    It’s important that you always keep all of your personal and contact details up to date.

  • How can I contact Teachers’ Pensions?

    The easiest way to contact us is to login to your MPO account and send a secure message using the Contact Us facility, found on your Task List. Alternatively, you can call our contact centre on 0345 606 6166 (8:30am – 6:00pm, Monday to Friday).

    For more contact options, see our Member enquiries page.

  • How do I Opt out?

    The simplest way to Opt out is to complete the online form. Once you’ve completed this form, it’s automatically sent to your employer who will provide further details before sending it to us.

    Providing we receive all the information needed, you’ll receive confirmation of your Opt Out elections and you’ll cease payments to the Scheme from the first day of the month following the month in which the form is received by Teachers’ Pensions. However, if you’re opting out within the first three months of an employment the Opt-out will apply from the point you entered the scheme for that employment and you will be refunded your contributions via your employer (note that the refunded contributions will be subject to income tax and National Insurance).

  • Am I eligible for Early Retirement (AAB) benefits?

    To apply for Early Retirement (AAB) you must be aged 55 or over, but under your Normal Pension Age.

    In addition, you must have pensionable service or ‘excluded employment*’ on or after 30 March 2000 and qualified for retirement benefits. To qualify for retirement benefits under the Teachers’ Pensions Regulations you will need 2 years’ pensionable employment completed after 6 April 1988 or 5 years of pensionable employment at any time.

    You must have terminated (or be terminating) your current contract of employment and not immediately starting a new contract that falls under the Teachers’ Pension Scheme.

    * Excluded employment is employment which would be pensionable except the member has opted out of the Teachers’ Pension Scheme. Alternatively, the member has not made an election for part-time service or post retirement service to be treated as pensionable.

  • Am I eligible for Age Benefits?

    To qualify for retirement benefits under the Teachers’ Pensions Regulations you will need a total of:

    • 2 years’ pensionable service if you were in pensionable employment on 6 April 1988,
    • 2  years’ service after 5 April 1988
    • 5 years of pensionable employment at any time.

    To determine whether you’re eligible for Age benefits you need to know what your Normal Pension Age (NPA) is. There are two Normal Pension Ages in the Final Salary arrangement - 60 and 65.

    Your NPA for your Career Average benefits is either your state pension age or age 65 whichever is the later date.

  • What is Phased Retirement?

    If you’re over 55 you can choose to continue to work and receive part of your benefits.

    To be eligible to take phased retirement you must have a reduction of at least 20% in your pensionable earning in the previous 12 months. You could do this by reducing your working hours or by taking on a post of lesser responsibility. You must make your application within three months of the salary reduction taking effect, but you can make your application three months before the reduction takes effect provided your employer can provide the salary information.

    If you’re in the Final Salary arrangement you can take two phased retirements before finally retiring. If you’re in the Career Average arrangements you do this three times before finally retiring but only two of your phased retirements can be before age 60.

    If you have benefits in more than one arrangement you can choose to take different proportions of your Final Salary and Career Average benefits.

    You can take up to a maximum of 75% of your retained benefits at each phased application stage.


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