Understand how much you’ll get
In this section:
- Annual Benefit Statements
- Estimates and Pension calculators
Annual Benefit Statements
Annual benefit statements
SPPA have a legal duty to provide you with regular details of your estimated pension benefits.
We automatically produce Annual Benefit Statements (ABS) for Scottish Teachers' pension scheme members who are in active employment.
Accessing your annual benefit statement
If you work as a teacher in Scotland, you can register for our online member portal where you can see and print copies of your annual benefit statement.
Your annual benefit statement estimates your pension benefits built up to the end of the most recent financial year. This is based on your pensionable service and / or your salary details, which are confirmed by your employer.
On 1 April 2022, the Scottish Teachers' Superannuation Scheme closed to any future pension build-up. Members were moved into the 2015 CARE Pension Scheme.
From 1 October 2023, Eligible members will have the option to choose between their legacy or reformed scheme benefits when they retire. This choice will be for the period between 1 April 2015 and 31 March 2022. From 2024, your annual benefits statement (ABS) will show a dual estimate of both the legacy and reformed schemes to help you make your choice.
The remedy calculator is available to use if you'd like to compare your legacy and reformed scheme benefits.
Using a Financial Adviser
If you’re still working as a Teacher, SPPA can’t provide your Financial Adviser with an estimate.
You can download your annual benefit statement from our online member portal and send it to them directly.
If you are no longer an employed teacher, we can accept requests from financial advisers as long as they can provide a mandate signed by you, authorising the release of the requested information.
We will provide a statement showing the value of your pension benefits when they were preserved and guidance on using our Preserved Calculator.
More information can be found at The Money and Pensions Service
Pension Estimates and Calculators
Teachers Pension Calculator
How to calculate your benefits
The calculator is a Microsoft Excel file and covers most members of the Scottish Teachers’ Superannuation Scheme and the Scottish Teachers’ Pension Scheme 2015 – as well as members who have benefits in more than one section or scheme. When you use the calculator you'll get:
- an illustration of the benefits that could become payable from your Scottish Teachers' pension scheme at a retirement date selected by you
- a description of the benefits payable for each scheme you've been a member of
- an estimate of the maximum lump sum that could be payable
- a printable copy of your personal illustration.
You will need to have your most recent Annual Benefit Statement available while you're using the calculator. You should also:
- make sure you've read the notes and assumptions on the calculator
- know the date you joined the scheme
- know your current pensionable pay
- know any service credited from a transfer in (final salary scheme only).
The illustration is not a guarantee, nor is the calculator intended to provide you with financial advice. If you require financial advice, you should contact an independent financial adviser.
Note: The calculator does not cover the effect of pensions tax charges on your benefits; details of future state pension or private pension provision; details of pension benefits for part-time workers with more than one employment; ill health benefits; survivor benefits payable in the event of your death; optional benefits, such as added years, additional pension, additional voluntary contributions, faster accrual or standard buy-out elections.