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Author: James Heppe-Smith
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Can you work after Teachers’ Pension ill-health retirement?
An ill-health pension from the Teachers’ Pension Scheme doesn’t stop you working, but the rules depend on which award you have. Teaching stops it outright, other work can end the enhancement, and a 2027 proposal…
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The minimum pension age rises to 57 in 2028. Many public sector members keep 55.
The minimum pension age rises from 55 to 57 on 6 April 2028. The Armed Forces, Police and Firefighters’ schemes are exempt, and many Teachers’, Civil Service, NHS and LGPS members may keep 55 under…
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Your State Pension and your scheme pension are taxed as one. From April 2027 that starts to show.
The full new State Pension passes the frozen personal allowance in April 2027, at £13,036.40 a year. The Budget’s new Pension Tax Allowance looks at total income, scheme pensions included, so with a full State…
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Police pension Regulation 36: the ill-health exclusion, and the plan to remove it
Some police officers pay lower pension contributions and cannot claim ill-health benefits at all. The Home Office wants to remove the rule that does it.
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NHS pension errors: what NHSBSA has admitted, and what it means for you
On 2 September 2026 the NHS Business Services Authority put a short page on its website saying it had found NHS pension errors: problems in the way some NHS pensions had been administered. The same…
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No will, no executor, no contact: what happens to a public service pension death benefit
A public service pension scheme does not wait for probate. If nobody administering the estate gets in touch, HMRC’s own guidance says the scheme should identify the beneficiary and pay out without further delay. Here…
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Retiring early from a public service pension: what each scheme actually publishes
Seven public service pension schemes, seven different ways of describing what early retirement costs you. This sets out what each one actually publishes, why the numbers cannot be laid side by side, which schemes have…
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Pension sharing on divorce: how public service pensions are split
If you are a member of the NHS, Teachers’, Civil Service, Armed Forces, Police, Firefighters’ or Local Government scheme and you are divorcing, your pension is a matrimonial asset. This explains the three routes a…
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Teachers’ Pension death benefits: how to claim now the online route has gone
If a teacher in your family has died, you are not reading this for background. Either a form has arrived and it runs to six pages, or you have been told to send one and…
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Who to ask about a public service pension problem, and what it costs
Every pension site says speak to a regulated adviser, and almost none say what that costs or how to find one. Worse, for plenty of public sector pension problems an adviser is the wrong person…