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Pensions in Scotland

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Welcome to the NASUWT's Pensions section of the website for Scotland.

You are automatically entered into the Scottish Teachers' Superannuation Scheme (new window) (STSS) if you are a teacher in eligible employment between the ages of 18 and 75. The STSS is a contributory, defined benefit ‘final salary’ scheme administered by the Scottish Public Pensions Agency (SPPA). It is one of the most important and valuable benefits available to teachers.

The STSS is contracted-out of the State Second Pension (S2P) and guarantees to pay benefits which are at least as high as those the state would pay. Although you will be contracted out of S2P you will receive a Basic State Pension in addition to your teacher’s pension.

You can opt out of the teachers’ Scheme in order to make your own pension arrangements but you should think very carefully about the valuable benefits of the STSS before doing so.

If you need general information about the Scottish Teachers' Superannuation Scheme (new window), there is a Members’ Guide (new window). The SPPA also produce a List of Contacts (new window), Guidance Notes for Winding Down (new window), a page on FAQs (new window) and forms and leaflets (new window).

Following a Review of the Scheme in 2006, agreement was reached between Government, employers and the NASUWT and other teacher unions on a number of changes to the scheme with effect from 1 April 2007, including a new benefit structure for new entrants (new window).

Local Government Pension Scheme

If you are a member of the Local Government Pension Scheme (new window) (LGPS) in Scotland the LGPS provide details of the provisions and benefits (new window) available.

State Pension Benefits

If you need information about your State Pension Benefits, including an On-line Pensions Forecast (new window) of your State Pension, the most reliable source is the Pensions Service (new window) website.

There is a whole range of help and advice on state pensions and other state benefits available in the UK on the Department for Work and Pensions (new window) website.