If I take a leave of absence from my teaching job, what will happen to my teachers’ pension?

It is dependent on the timing of the break as well as the programme that you were covered by.

If you were a final salary member with a normal pension age of 60, and you had a break in service of more than five years with a return date on or after 1 January 2007, your pension age will remain at 60 for the service you performed before the break. This applies even if you returned to service on or after 1 January 2007.

The service following the break will cost $65 per person.

When you return to pensionable duty after an absence of more than five years, you will be placed in the career average arrangement if you are a protected or tapered member and your break in service was longer than five years.

If I were to pass away, what would happen to my Teachers’ Pension?

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.