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Pensions in Scotland


Links below lead to the appropriate section of the page

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 (2007) (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.

Championing Public Sector Pensions

The Scottish Teachers' Superannuation Scheme represents one of the most valuable elements of the remuneration package for teachers in Scotland. 

Information on the value of teachers' pension benefits and arguments in defence of public sector pensions in general can be found in Championing Public Sector Pensions.

The Independent Public Service Pensions Commission, Chaired by Lord Hutton, published its Final Report in March on the reform of public service pension provision. Details of the Commission and its Report can be found in the Championing Public Sector Pensions page, above, and the NASUWT has produced its its own Commentary on the Commission Report Recommendations.

Pension Consultation Responses

As and when necessary the Union responds to Government and other consultation exercises of particular relevance to the NASUWT and its members. There is a page containing copies of recent NASUWT Consultation Responses in the area of Pensions.

Important announcement for retired members living in Cyprus

Members of the Scottish Teachers' Superannuation Scheme residing in Cyprus should note the Scottish Public Pensions Agency announcement for retired members living in Cyprus (new window) which contains important information and advice on their pension payments.

Further Pensions Information

Further advice on specific pension issues is available by clicking the appropriate link in the menus on the right hand side of this page.

Members needing further information or assistance should contact their Scotland National Centre.