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Teachers' Pension Check

Professional analysis for Teachers' Pension Scheme members. We check your pension for McCloud choice errors, missing service, and calculation mistakes.

Check My Teachers' Pension Get Service Extract

687,446

Active Teachers' Pension Members

£3,245

Average error found in our checks

About the Teachers' Pension Scheme

The Teachers' Pension Scheme (TPS) is the occupational pension scheme for teachers in England and Wales, covering all qualified teachers in state-maintained schools, further education colleges, and many independent schools.

Key Features:

Career Average Revalued Earnings (CARE) - Current pension builds at 1/57th of pensionable pay
Normal Pension Age - 65 for current scheme members
Early Retirement - Available from age 55 with actuarial reduction
McCloud Protection - Enhanced benefits may apply for service 2015-2022
Death Benefits - Survivor pensions and death grants
Phased Retirement - Options to reduce hours while drawing some pension

The 2015 reforms created significant complexity, with many teachers eligible for McCloud protection requiring careful analysis of which calculation method provides the better benefit.

Quick Facts

Administrator:Capita TPS

Member Rate:7.4% - 11.7%

Employer Rate:28.68%

Pension Age:65

Annual Allowance:£60,000

Transfer Out:Currently suspended

Common Teachers' Pension Errors

Issues we frequently discover in Teachers' Pension records

McCloud Remedy Miscalculations

High Impact

Complex choice between final salary and career average benefits often calculated incorrectly

Found in 65% of checks

Part-time Teaching Records

High Impact

Incorrect FTE calculations, especially for supply teachers and those with varying contracts

Found in 40% of checks

Supply Teaching Gaps

Medium Impact

Short-term contracts and agency work not properly recorded in pension calculations

Found in 50% of checks

Career Break Errors

Medium Impact

Maternity, sabbatical, or unpaid leave incorrectly handled in pension calculations

Found in 35% of checks

Leadership Spine Corrections

High Impact

Headteacher and senior leadership pay progressions not properly reflected

Found in 25% of checks

Transfer Credits Missing

High Impact

LGPS or other public sector service not credited when moving into teaching

Found in 30% of checks

Supply teachers particularly at risk. Complex employment patterns mean errors are more common - our checks find an average £4,100 in missed benefits.

How to Get Your Teachers' Service Extract

To check your Teachers' Pension for errors, you'll need your complete service history. Here's how to request it from Teachers' Pensions:

Access My Teachers' Pension

Request Service History

Navigate to "My Service" and request a detailed service history including all teaching posts, supply work, and career breaks

Download Complete Record

Request will be processed within 10 working days. Download the full PDF including salary history and pension calculations

Contact Support if Needed

Call 0345 606 6166 if you need help accessing your account or requesting records

Essential Information to Include

✓All teaching positions with dates and FTE %
✓Supply teaching periods and agencies used
✓Salary progression and pay scale movements
✓Career breaks, sabbaticals, unpaid leave
✓Transferred-in service from other schemes
✓McCloud eligible periods (2015-2022)
✓Current benefit statements and projections

Supply Teachers: Ensure your extract includes all agency contracts and umbrella company employments - these are often missed or incorrectly recorded.