Advice and guidance about pensions including information on the latest pension updates (including the 2019 salary band contribution changes), pensions advice and key documents.

    Warning: Legal Cases on Pensions Protection

    Some law firms are asking teachers to sign up to “no win no fee” employment tribunal cases seeking compensation arising from the changes to the Teachers’ Pension Scheme implemented in 2015.

    The NEU advises members that there is no need for them to sign up to such cases.

    The Government has already confirmed that members of the Teachers' Pension Scheme will be compensated on the same basis as the litigants in the cases already decided in respect of judges and firefighters, without any need to lodge their own cases.

    These law firms are asking members to pay as much as £1,800 (£1500 plus VAT) in legal fees, to be paid from compensation which the Government has already said will be payable.  The compensation payable to some members of the Teachers’ Pension Scheme may be less than the legal fees being quoted, and some members may actually have gained from the changes in which case no compensation would be payable. 

    The NEU believes that legal action is wholly unnecessary.  If the position changes then members will be informed.

    Pensions update

    Retired members conference
    Pension increase

    The Government has published the proposed increases in teachers’ pensions with effect from 6 April 2020.

    Salary band contribution changes 

    From 1 April 2020 the contribution bands for employee pension contributions to the Teachers’ Pension Scheme are rising by 1.7 per cent. This is in line with the September 2019 increase in the Consumer Prices Index (CPI).

    This increase only affects the contribution bands. The contribution rates remain the same. The increase applies to members in the Career Average section and the Final Salary sections of the scheme. The contribution structure is based on the teacher’s actual salary rather than the full-time equivalent salary.

    The tiered contribution rates for the TPS from 1 April 2020 are as follows:

    Annual Salary (1 April 2019 – 31 March 2020)

    Annual Salary (1 April 2020 – 31 March 2021)

    Member Contribution Rate (%)

    Up to £27,697

    Up to £28,168


    £27,698 - £37,284

    £28,169 - ££37,918


    £37,285 - £44,208

    £37,919 - £44,960


    £44,209 - £58,590

    £44,961 - £59,587


    £58,591 - £79,895

    £59,588 - £81,254





    Indexation of TPS Career Average Pensions April 2020

    The Government has confirmed that career average pension rights for members in teaching will be increased by 3.3 per cent in April 2020.

    Members with deferred pensions will have their career average pension rights increased by 1.7 per cent in April 2020.

    Most teachers are in the career average section of the Teachers’ Pension Scheme. Their pension is being built up at 1/57 of their pensionable earnings each year. These pension rights are then increased each year until retirement at CPI inflation + 1.6 per cent for teachers who stay in teaching, and at CPI inflation only for those who leave the Teachers’ Pension Scheme.

    The increase is based on the CPI figure from September 2019, which was 1.7 per cent.

    Latest pensions news

    NEU consultation response : funding increases to teachers' pensions employer contributions

    Employer pension contributions are set to rise from 16.4 per cent to 23.6 per cent in September 2019. The Department for Education has been running a consultation on whether this increase should be funded by Government for the period September 2019 to April 2020 for certain sectors. The NEU's response, is arguing this should be done. Independent schools and the post-1992 universities are not within the scope of this consultation and will face serious pressures as a result.

    Pensions help sheets

    • Advice Senior woman with dog on a walk in an autumn nature
      Final salary pension

      Information about the final salary section of the Teachers’ Pension Scheme (TPS), including how to find out if you are in this TPS section.

    • Advice Senior Couple Enjoy the Beach
      Career average pension

      The Teachers’ Pension Scheme will provide much of your retirement income so it is vital that you understand it.

    Pensions resources

    All pensions advice by topic tag

    Can't find what you're looking for above? Browse all our pensions content, ordered by topic tag. As pages can have more than one topic tag, they can also appear more than once in the list below.

    • Information for members on pensions tax relief - annual allowances and lifetime allowance
    • Guide for teachers and other school staff who wish to continue working beyond age 65

    • The Teachers’ Pension Scheme will provide much of your retirement income so it is vital that you understand it. This guidance covers the career average section of the Teachers’ Pension Scheme (TPS) in which most members are accruing pension.

    • In whatever capacity you work in education, there is likely to be an occupational scheme available for you to join and you may have automatic membership as soon as you are employed.
    • Information about the final salary section of the Teachers’ Pension Scheme (TPS), including how to find out if you are in this TPS section.

    • Pensions advice note on non-pensionable allowances in the Teachers’ Pensions Scheme.

    • Information about the single-tier state pension and changes to the state retirement age.