Teachers' Pensions | Education Support

Teachers' Pensions

Information on the Teachers' Pension Scheme, pension and retirement planning, and pension giving. 

State and private pensions for teachers

Your state pension age depends on your situation. It is reviewed on a regular basis to ensure it is fair based on what people can afford and how long people are living:

People are strongly recommended to invest in an additional private or workplace pension scheme to supplement the state pension, which may not be sufficient if it is your sole source of income after retirement. Read more about workplace and private pensions here:

Teachers' Pension Scheme

In order to claim on the Teachers' Pension Scheme, you must have completed two years of service after 5 April 1988 or five years' service at any time.

The earliest Teachers' Pension Scheme can be paid at age 55 (unless you're granted ill-health benefits). Again, this age is subject to change in line with the State Pension Age

Teachers’ Pensions is responsible for administering teachers’ pensions on behalf of the government. Their job is to help teachers with their pensions and also to support the employers of teachers throughout England and Wales.

The Teachers’ Pension Scheme changed on 1 April 2015, with the introduction of career average as well as final salary arrangements. If you’re a member of the Scheme it’s important you understand how the changes will affect you individually. There are different member types, some will remain in the final salary arrangement only, some will have a pension in both final salary and career average whilst new members will have career average only. Deferred members and pensioners also need to know how the Scheme has changed, particularly if they decide to return to teaching.

If you’re unsure which member type you are and which arrangement you're in, their factsheets could help. Alternatively, you can email tpmail@teacherspensions.co.uk or call 0845 6066 166. The team is available between 8:30am–6pm, Monday to Friday.

Tools & resources

There are a range of tools and resources available to help you keep on top of your pension. 

  • The calculators can help with pension planning
  • There’s lots of factsheets and FAQs depending on your circumstances  
  • If you’re looking for more information about planning your retirement, visit the Retirement Centre
  • My Pension Online (MPO) is an online PIN-protected portal that lets you check and manage your personal pension information, as well as contacting Teachers’ Pensions securely. If you’re an active teacher, you can check up on your Annual Benefit Statement, update your personal details, and access a range of tools and calculators. If you’re a retired member you can view your P60s, payslips and access re-employment tools. You can also keep your details updated to make sure there’s no delay in receiving your pension payments.
  • Visit www.teacherspensions.co.uk for more information

Other Pensions Advice

It is important to consider what to do with your pension when you are able to claim, as there are a number of options. The best one for you may depend on your personal circumstances, so consider your lifestyle, family needs and retirement plans.

You should seek advice when considering what to do with your pension pot. The following organisations may be able to advise you.

Pension Wise: a government website offering free advice with a pension specialist.

Pensions Advisory Service: offers free and impartial advice for those with workplace and personal pensions.
Tel: 0300 123 1047

Money Advice Service: has an independent adviser directory where you can locate an adviser.

Pension Tracing Service: a free service that can help you find a pension you've lost track of, even if you don't have the contact details of the employer.
Tel: 0345 6002 537

Pensions Giving

At retirement we leave the job but keep our memories of our years of dedicated service. We often keep in touch with those still in the profession and check-in to find out how they’re doing. So why not show them your support with a regular gift from your pension to Education Support?

Help us be there for people in crisis. It’s easy to arrange, tax efficient and is a fantastic way to continue to support those still working in education. Find out more about how your support can help teaching staff.

Helping you with financial problems

We can help both serving and retired teaching staff with our grants service.

If you need help, our free telephone support and counselling from trained experts is here for you day or night, 24/7, 365 days a year.

How we can help

  • Help for teaching and support staff  
    Sometimes work (or just life) can be tough. A challenging student, an Ofsted inspection, personal financial worries; there are many stresses on those who work in education. That’s why we offer free, confidential help and support, no matter what your problem.
  • Help for organisations 
    Working in education is demanding so we’ve designed a set of services to help you check how your teams are coping, troubleshoot problems and boost everyone’s wellbeing