This guide explains how the Teachers’ Pension Scheme works – from how much you need to pay in to what you’ll get when you retire.

If you’re in the career average scheme and die in service, a death grant of three times your final full-time equivalent salary (at your date of death) will be paid.

If you’re in the final salary scheme when you die, the death grant would be three times your final average salary.

If you’re married or in a civil partnership, your partner will receive your full pension for three months. After that, they’ll be paid an income until they die, albeit at a reduced rate.

If you’re in the final salary scheme, they’ll get 1/160th of your final average salary for each year of service.

So, if you’d been in the scheme for 20 years, and your final salary was £30,000, they’d get £30,000 x 20 / 160 = £3,750 a year.

If you’re in the career average, they’ll be paid 37.5% of the pension you’ve earned up to the date of your death.

If you’ve been collecting your pension for five years or less, the Teachers’ pension scheme will also pay a ‘discretionary death grant’, worth five times your annual income at the date of death to anyone you nominate. The amount of pension you’ve already received up to this date will be deducted from this payment.