Important Changes to Teachers' Pensions

The Teachers' Pension Scheme is to change from 1 April 2015. The new arrangements will see the introduction of the career average as well as final salary pension.

1 April 2015 – The latest changes to the Teachers' Pension Scheme, which have a number of implications for your employees including:

  • Changes to the Pension Scheme rules and from final salary to career average.
  • Changes to the Accrual Rate from 1/60 to1/57.
  • Over time payments will be pensionable.
  • Pension age to match state pension age if higher than 65
  • Change to the three phased retirement.
  • Change to the contribution Rate.

Contribution rates with effect from 1 April 2015

  • On 1 April, the salary bands applicable to members. contributions for the Teachers’ Pension Scheme will change.
  • The contributions tiers from April 2015 apply to members in the final salary and the career average arrangements.
  • The salary structure and contributions rates that will need to be applied to members’ salaries from 1 April 2015 to 31 March 2016 are set out in the table below.
  • The rates should be applied based on the members’ annual salary rate not the full time equivalent.
Annual Salary Rate for the eligible 
Member Contribution 
Rate 2015
Up to£25,999.99 7.4%
£26,000 to £34,999.99 8.6%
£35,000 to £41,499.99 9.6%
£41,500 to £54,999.99 10.2%
£55,000 to £74,999.99 11.3%
£75,000 and above 11.7%


The Employer's contribution rate from 1 April 2015 to 31 August 2015 is 14.1%. From 1 September 2015 this will change to 16.48% including the 0.08% administration levy.

Employers’ contributions are based on the pensionable amount paid to the employee.

The changes go along side the new members’ types:

  • Protected members – If you were an active member immediately before 1 April 2012 and were within the 10 years of  your normal pension age (NPA) on that date, you’re a Protected Member. You will remain in the final salary provided you don’t have a continuous break in service for more than 5 years.
  • Tapered members – If you were an active member immediately before 1 April 2012 and were more than 10 years, but less than 13.5 years away from your NPA on that date, you’ll be a Tapered Member. You’ll remain in a final salary until a later date and then move into the career average on your “Transitional Date”.  If you have a break of more than 5 years you’ll move into career average when you return to service.
  • Transitional members – If you were more than 13.5 years away from your NPA on 1 April 2012 you will enter career average on 1 April 2015 as a Transition Member.
  • New Starters – If you have joined the scheme on or after the 1 April 2015 you’ll automatically enter the career average.  If you were in another public service scheme prior to join the Teachers’ Pension Scheme you must let us know as you may have some protection we need to take account of.
  • Pensioner and deferred members - are not affected by the changes unless they take up further employment.

How will you know which member type your staff will fall into?

Teachers' Pensions are currently reviewing all eligible staff and allocating them to a specific member type status and are producing a report for each school.  As your school is within the Bradford Authority, the Authority will be passing your school's information to the relevant payroll provider to implement.

What should I do with this report?

As Bradford Council we will implement changes for schools who buy the Bradford Council Payroll, and those schools who buy an external payroll provider the information will be passed on to them to implement.

If you have any queries or any concerns on this please don’t hesitate to contact Amar Qayyum, your Pensions and Data Officer on 01274 435623 or alternatively email

What information needs to be given to Staff?

You can download a poster created for schools to make staff aware, or click here to make employees aware of the changes.

To find out more about the changes and have they will affect your employees click here.


Published: 17/03/2015
Audience: All Teachers
Contact: Carl Greenwood

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