Category
Category: Pension Basics
Foundational explainers — how UK public sector pensions actually work.
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NHS partial retirement: how to take your pension and keep working
NHS partial retirement lets you take between 20% and 100% of your pension while continuing to work and build further benefits. It comes with a condition most people do not expect: you have to cut…
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What does Local Government Reorganisation mean for your LGPS pension?
Councils are being merged into larger new unitary authorities. Here is what Local Government Reorganisation does, and does not, change for your LGPS pension, and what to do.
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Civil Service pension death benefits: how to claim, and what is holding 3,099 families up
Capita is waiting on paperwork from 3,099 bereaved families. Which of the two claim forms applies, what documents each one needs, how long a claim should take, and what exists if it stalls.
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LGPS early retirement got more expensive on 1 August 2026: the new reduction factors
New LGPS early retirement factors apply for retirements dated 1 August 2026 or later. The published before and after percentages, what they cost in pounds, and why the only date that counts is the date…
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The public sector pension bill hit £56bn: what the number really means
Public sector pensions cost a record £56 billion in 2025/26. Here is what that gross figure includes, why unfunded does not mean a deficit, and what the OBR actually projects.
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Teachers’ Pension contributions 2026/27: the six-tier table explained
The 2026/27 Teachers’ Pension contribution tiers, from 7.4% to 12.0%, what changed this April, and a calculator for what you and your employer each pay.
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Capita missed its deadline: what happens now to Civil Service pensions
Capita missed the 30 June 2026 deadline to restore Civil Service Pension Scheme administration, and the PCS union is calling for its contract to be stripped. Here is what happened, the 8 July parliamentary hearing,…
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Public sector pension employer contributions are set to fall in 2027: what it means for members
Educational, not advice. This article explains why employer contribution rates for the main public sector pension schemes are expected to fall from April 2027, and what that does, and does not, mean for you as…
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Legacy scheme vs 2015 scheme: how public sector pensions compare
The McCloud remedy gives eligible public sector members a choice between their legacy final-salary scheme and the 2015 career-average scheme for 2015 to 2022. How the two designs differ on normal pension age, accrual and…
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Teachers’ Pension phased retirement: how the rules work in 2026/27
Phased retirement lets teachers draw part of their pension while still working on reduced hours or responsibilities. The age limits, the 20% salary-cut rule, the 75% cap, how many times you can do it, and…