Pensions for New Entrants


Guidance for members entering teaching after 31 March 2015

A new scheme has been introduced which is termed a Career Average Revalued Earnings (CARE) scheme.

This means that you will earn 1/57 of your pensionable pay for each year you are a member of the scheme. So to work out how much pension you will earn in any one year, simply divide your pensionable pay by 57. At the end of every year the amount of pension you have earned is increased in line with an amount agreed through the scheme regulator.  This is currently 1.6% above the Consumer Prices Index (CPI).  This continues until you leave the scheme or retire. When you retire, all your pension pots are added together to work out your final pension.
It is always a good idea to join the pension scheme as your employer makes a contribution on top of your contribution.  If you do not join the scheme you miss out on this benefit.
Please see the SPPA website for the guide on this scheme - 
If you have any questions or comments about the CARE scheme please get in touch with the office.

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0131 313 7300

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