Primary teachers -pensions!!!!

clon80

lads and lassies... the big question of pensions?? I think im on the old pension scheme as i qualified in 2011 but im not sure!!

Anyway I know the difference between the old one and the new one in a very simplistic way. Something - that in the old pension scheme they take the last few years on what scale your on (how many i dunn0)and its more an average over many years when your on the new scale!!!

I started teaching late and unfortunately qualified in the year 2011 (the year we got a pay cut and started on the 1st point of scale)so i think im only on the 4th point as it stands.

My big queston is do you have to have 30 years or 35 years teaching to receive a "full pension"?? Someone is telling me I should be putting money into my pension from my wage to buy back years or build it up but I can't afford this and I don't think one needs to do this..im still in mid thirties but im just wondering if anyone knows the story. am i correct in saying we have to work to 65 at a minimum therefore you can't buy pay year AVCs anymore?I hope im making sense!!!

Thanks a mill...any advice would be gratefully appreciated...and ill bubble back to ye

Inspector Coptoor

A full pension is 40 years service for entrants post 2004 unless you have the option to buy back years as far as I know