Retirement benefits in public service pension schemes

28 July 2022



This new interactive policy paper looks at the wider rules of the Teachers’ and NHS pension schemes and how members can claim their benefits.

In the paper, Royal London's Senior Pension Development and Technical Manager, Moira Warner, explores how evolution of these schemes have left many members with multiple tranches of final salary and career average benefits. And aims to help advisers understand the relevant scheme’s rules on issues such as:

  • Whether final salary and career average benefits must be taken together
  • The rules that apply if a client returns to work following retirement  

You can find out more about what's included in this policy summary by listening to our podcast or reading the policy summary below:

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.