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Pensions in England

Pensions Health Check Warning 

Teachers will be aware that this is a time of turbulent pensions reform, involving Government attacks on working people’s pensions. This does not just affect teachers and other public service workers’ pensions, but also state and private pensions.


The NASUWT has become aware of organisations purporting to offer teachers advice on retirement planning, including individual financial advice, which seek to exploit the uncertainties and anxieties which teachers feel. In some cases, teachers can pay very high fees for such advice.


The NASUWT is able to offer the following services to members:


- Free general information about changes to the teachers’ pension scheme, including to members’ overall pension benefits;


- Individual free casework and legal support when problems with Teachers’ Pensions occur.


The Financial Services Act prevents trade unions from providing individual financial advice. However, the NASUWT is in partnership with Wesleyan, which is able to provide members with financial advice surrounding the recent pension changes through a personal face to face meeting or though ‘planning for retirement’ seminars’ that can be held at your school.  If this is of interest to you please contact Wesleyan www.wesleyan.co.uk/appointment


You are automatically entered into the Teachers' Pension Scheme if you are a teacher in eligible employment between the ages of 18 and 75. 

If you need general information about the Teachers' Pension Scheme, the most comprehensive source is the Teachers' Pensions website.


Local Government Pension Scheme

If you are a member of the Local Government Pension Scheme (LGPS) in England the LGPS provides details of the provisions and benefits available.

State Pension Benefits

If you need information about your State Pension Benefits, including an Online Pensions Forecast of your State Pension, this is available in the UK on the Department for Work and Pensions website.


Survivor benefits

The Government has reviewed survivor benefits in occupational pension schemes, including the Teachers' Pension Scheme. The NASUWT has expressed opposition to the outcome of the Review, which fails to recommend action to rectify the current inequality in public sector pensions. This means that women and LGBT teachers' surviving partners may not be entitled to the same pension benefits as the partners of some male teachers. 

More information about the issue, including the NASUWT's consultation response to the Government Review and a Powerpoint presentation on the Union's campaign for pensions equality can be found on the survivor benefits page

Pension Consultation Responses

The Union responds to Government consultations on pensions. For further information, please see recent NASUWT Pensions Consultation Responses.