Am I affected?

  • Answer:

    It's important to realise that many of you are not affected by any of the changes. The changes only affect those of you who were both in service on or before 31 March 2012 and have continuous service on or after 1 April 2015, including if you have a qualifying break in service of not more than five years.

  • Answer:

    You’ll not be affected by the changes if you:

    • first joined one of the main public service pension schemes on or after 1 April 2012
    • have had a break in service of more than five years
    • have no service in the remedy period (1 April 2015 – 31 March 2022)
    • retired and took your final salary pension in full prior to 1 April 2015.

  • Answer:

    For those of you who built up service in the career average (reformed) scheme during the remedy period, this service will instead be placed in the final salary (legacy) scheme at the end of the remedy period. This must happen to address the discrimination and so all affected members can be treated equally, in line with those older members who remained in the final salary scheme.

  • Answer:

    Where an eligible member has died since 1 April 2015, we’ll review these cases as soon as practicable. Where the member retired from the career average (reformed) scheme, we’ll seek to revisit these cases ahead of the introduction of the DCU where possible. We’ll check whether a higher pension or lump sum amount would be due under the alternative scheme.

  • Answer:

    From 1 April 2022, all active members of the Teachers’ Pension Scheme who continue in service will be moved into the career average (reformed) scheme.

  • Answer:

    The proposals set out within the consultation apply to all members who were in service on or before 31 March 2012 and on or after 1 April 2015, including those with a qualifying break in service of less than five years, across all affected public service schemes. This includes those members who are currently active, deferred or retired.

    Members who first joined their scheme after 31 March 2012 were ineligible for transitional protection regardless of their age, and so are not affected by the discrimination identified by the court.

  • Answer:

    No, the discrimination identified by the courts applies to those of you who were active on the 31 March 2012 and on the 1 April 2015 and therefore it’s those of you who’ll be affected by the changes in the government proposals. This includes if you are either an active, deferred or retired member.

  • Answer:

    Members who were subject to the discrimination will be within scope of any changes made to schemes, whether they are active, deferred or retired members.

  • Answer:

    If you retired before the Deferred Choice Underpin (DCU) is implemented and have a period of relevant service between 1 April 2015 and 31 March 2022, you’ll be offered a choice once the legislative changes have been made to implement the DCU. The choice will be retrospective and backdated to the point that payment of your pension benefits began.

    The legislation that allows schemes to do this is limited in effect. It allows schemes to return those of you who are eligible members and retired from the career average (reformed) scheme to the final salary (legacy scheme) in relation to service after 1 April 2015. It does not however allow for all consequential matters to be dealt with satisfactorily in all cases, for example, in cases where there are interactions with the tax system.

    In all cases if you receive a revised pension award, this will be backdated to the date your pension award relating to the remedy period was originally made.

  • Answer:

    If you were affected will depend on when you started with the Teachers’ Pension Scheme. The changes only affect those of you who were both in service on or before 31 March 2012 and have continuous service on or after 1 April 2015, including if you have a qualifying break in service of no more than five years.

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