2015 Remedy

On 1 April 2022 the Scottish Teachers' Superannuation Scheme was closed to any future pension build-up and members were moved into the reformed 2015 pension scheme.

If you are Eligible you will have the chance to choose between your legacy scheme (final salary) or reformed (CARE) scheme benefits when you retire.

Find out more about the 2015 Remedy from our Remedy Hub

2024 Annual Benefit Statement for members who are not eligible for 2015 Remedy

If you are not eligible for 2015 Remedy, you will receive an Annual Benefit Statement by the end of August 2024.

2024 Annual Benefit Statement for members who are eligible for 2015 Remedy

If you are Eligible you will have the chance to choose between your legacy or reformed scheme benefits when you retire.

If you are working and contributing to your pension or have deferred your benefits you will receive an Annual Benefit Statement combined with a Remediable Service Statement (ABS-RSS) by March 2025. This will provide an estimate of your benefits in both the legacy (final salary) and reformed (CARE) schemes.

A remedy calculator is available to use if you'd like to compare your legacy and reformed scheme benefits.

Teachers Remedy Calculator

Accessing your Annual Benefit Statement

If you're in active employment, you can register for our online service where you can access and print copies of your Annual Benefit Statement.

Your Annual Benefit Statement estimates your pension benefits accrued up to the end of the most recent financial year based on your pensionable service and / or salary details as confirmed by your employer.

The best way for you to estimate how much your pension will be when you retire is to check your Annual Benefit Statement (ABS) using the member portal on our website. Here you can view your pension information and update your personal details.

You can also use the appropriate pension calculator to work out what you will receive when you retire:

• Teachers Remedy calculator (for members with service between April 2015 and March 2022)
• Teachers pension scheme calculator

(To access the SPPA's calculators, please use either Microsoft Edge or Google Chrome).

If you are paying into a pension, at the moment, we can only provide estimates if you are not eligible to use the online calculators and are retiring in the next six months. All other members should refer to their Annual Benefit Statement or use the pension calculator.

If you are paying into a pension and require an estimate to support your retirement on the grounds of ill health, please ask your employer to make a referral to us on that basis.

If you are paying into a pension we can provide an estimate for mortgage purposes, this should be supported by request from your bank or a mortgage advisor.

Remedy

Some members who are paying into a pension and were eligible for Remedy did not receive an Annual Benefit Statement in 2023. They will get an ABS by 31 March 2025 which will include their options under Remedy. This is the most up to date projection offered by the SPPA. Details about who may request an estimate can be found in our section.