Estimated Pension Benefits and Annual Benefit Statements (ABS)

Administrators of occupational pension schemes have a legal duty to provide scheme members with regular details of their pension benefits. SPPA automatically produces annual benefit statements for members of the Scottish teachers' pension schemes and can also produce estimates for members who are within 12 months of their intended retirement date.

Members can request one free estimate in a 12 month period while additional requests and multiple requests covering different scenarios will incur an administration charge.

Pension benefit estimates

While we make every effort to ensure estimates are accurate, we can only provide exact figures when your final pay and service details are known and an application for retirement benefits has been made.

Accessing your annual benefit statement

If you're in active employment, you can register for our online member 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.

Benefit statements are updated annually and will be made available to view online if you meet all of the following criteria:

  • you were an active member before 31 March that year
  • you were an active member at 31 August that year
  • your employer provided us with the data required for the year in question.

If your annual benefit statement is not available through our online service and you haven't received an estimate within the last 12 months, we can provide one on request as long as you've met the qualifying period for the scheme.

Requesting an estimate

As long as you have reached the scheme’s minimum pension age of 55 and you're thinking of claiming your pension within the next 12 months, you can contact us to request an estimate. The estimate you receive will depend on your circumstances when you make your request

Requests must be made by post or email, and you should confirm the following details:

  • Superannuation / SB number
  • National Insurance number
  • name and home address
  • date of Birth
  • details of the information required.

In all cases, your estimate will be based upon your pensionable service and salary details provided by your employing authority.

Active members who are still working

If you are still working and contributing to the scheme, we can estimate what your pension and lump sum is likely to be when you retire.

Deferred members

If you've left the scheme with over two years' qualifying service in the scheme, and are you're thinking of claiming your pension in the next 12 months, we can provide an estimate of what it may be.

If you haven't reached your minimum pension age, or won't be claiming your pension within the next 12 months, we can only provide an estimate of your pension’s current value.

If you intend to claim your pension before your normal pension age, the estimate will take into account any applicable reduction for early payment.

Ill health retirement

If your HR or Occupational Health department consider ending your employment on the grounds of ill health, we can provide an estimate of what your benefits may be.

If you've already left employment with your benefits preserved in the scheme, and you're too ill to carry out any form of employment we can also provide an estimate of the benefits you're likely to receive.

Ill health retirement benefits will only be paid subject to your application being assessed and approved by an independent medical adviser. You can find further information on this in our ill health retirement section.

Phased retirement

Providing you satisfy the application criteria for phased retirement, we can provide an estimate upon request.

Premature retirement due to redundancy or interests of efficiency of the service

If you've reached your minimum pension age and you're due to leave the scheme through redundancy or in the interests of efficiency of the service, your employer can ask SPPA for an estimate of your potential benefits.

In all the scenarios above, we will take any relevant information on your record, such as protection of pay or service breaks into account when calculating your estimate.


If you are an active member of the scheme, you can use our free online calculators to estimate retirement benefits to future dates or other scenarios of your choice.

Authorising a financial adviser to contact SPPA

We are able to accept requests from financial advisers as long as they can provide a mandate, signed by you authorising the release of the requested information and the request is made within 12 months of your projected retirement date. We’re able to provide the following details on your behalf:

  • a statement of accrued benefits, or, where possible, estimates allowing for service to normal pension age based on your current salary, and;
  • a statement of the benefits payable if you were to die in service.
Was this information useful?
4 + 4 =
Solve this simple math problem and enter the result. E.g. for 1+3, enter 4.