Earning a second pension from your teachers' scheme

Each year, many retired members are re-employed in the teaching service and decide to continue to pay contributions to their teachers' pension scheme. The way your benefits from re-employment are calculated depends on how long you work before retiring completely.

If you complete one calendar year of re-employment (365 days), you're eligible to claim a second pension. If you're working part time the whole period counts towards your qualifying service including the days you don’t work.

If you returned to work prior to 1 April 2012 you'll remain in the Scottish Teachers' Superannuation Scheme and your benefits will be calculated in the same way as your first retirement.

If you returned to work between 2 April 2012 and 31 March 2015 you would have remained in the Scottish Teachers' Superannuation Scheme before moving to the Scottish Teachers' Pension Scheme on 1 April 2015. This means you'll have mixed benefits in the two different schemes.

If you became re-employed after 1 April 2015 your second pension benefits will be in the Scottish Teachers' Pension Scheme and will be based on a 1/57th of your pensionable pay for each year you're in the scheme. Your normal pension age in the that scheme will be the later of your 65th birthday or your State Pension age.

More information on calculating benefits can be found here.

If your re-employment ends before one calendar year, a short service annuity is payable.

Claiming your second pension

You don't have to claim your benefits immediately after you stop re-employment. If you plan to do further work all of your benefits will be added together when you decide to claim them.

To claim your second pension you should apply to SPPA three months before you want to start taking your second pension benefits from the scheme.

If you’re employed, ask your employer for your application form (as they have to complete a section of the form). If you aren’t currently employed as a teacher, download your application form or contact SPPA.

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