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University Pension Schemes

The University administers 2 pension schemes: Lothian Pension Fund for Technical and Support Staff; and the Scottish Teachers Superannuation Scheme for Academic Staff. For new members both of these are CARE schemes (Career Average Revalued Earnings).


The CARE scheme is similar to a Defined Benefit Pension Scheme, however it differs in the way your 'pensionable earnings' are calculated - this is based on your 'average earnings' over the course of your active membership in the scheme.

 

Lothian Pension Fund

Contact details - Telephone - 0131 529 4638; e-mail - pensions@lpf.org.uk; by mail - Lothian Pension Fund, PO Box 24158, Edinburgh, EH3 1GY


Technical and Support employees who are on contracts of more than 3 months automatically join the scheme. Employees on a shorter contract which is then extended to longer than 3 months will have the opportunity to back-date their contributions to their start date with the University.

 

Should you wish to opt out from the scheme, please complete the opt out form available from the LPF website​ and forward to payroll@napier.ac.uk.  If you do decide to opt-out of the LPF scheme, but later change your mind, you may apply to join at any time during your employment. Please email Payroll to confirm that you wish to opt in to the scheme.

 

Edinburgh Napier University has discretion over some pension regulations, information regarding this can be found in the Discretions Policy.

 

Key Facts about Lothian Pension Fund


Employees contribution = Between 5.5 and 11.2% dependant on salary. See here ​for current rates

Employers contribution = 20.9%

Retirement Age = optional from 55 years, however you must take your benefits by 75 years ​​

Increasing your pension = Buying extra pensions i.e. Additional Pension Contributions (APCs) or paying Additional Voluntary Contributions (AVCs)

For more information please visit the Lothian Pens​ion Fund​ . 



Scottish Teachers Superannuation Scheme 


Contact details: telephone - 01896 893 000; e-mail - sppacontactus@gov.scot; by mail - SPPA, 7 Tweedside Park, Galashiels, TD1 3TE.


Academic employees on permanent or temporary contracts automatically join the scheme. 


Should you wish to opt out from the scheme, please complete an opt out form available from the SPPA website and forward to payroll@napier.ac.uk. If you do decide to opt-out of the STSS scheme, but later change your mind, you may apply to join at any time during your employment. Please email Payroll to confirm that you wish to opt in to the scheme.

 

Key Facts About the Scottish Teachers' Superannuation Scheme

Employees contribution = Between 7.2 and 11.9% dependant on salary. See SPPA website​ for current rates

Employers contribution = 23%
Retirement Age = from age 60 
Premature Retirement (e.g. redundancy, efficiency exercise) = from age 50-59 actuarial reduction applies. This is at the employer's discretion.
Retirement Benefits = see website.
Increased Benefits = Additional Pensions (AP), Additional Voluntary Contributions (AVCs), Free-Standing Additional Voluntary Contributions (FSAVCs).  See more information here​.

  

For more information please visit the Scottish Teachers' Superannuation Scheme Website.​

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