Teachers' Pensions Arvostelua 

The online service frequently does not let me log in. When you do any queries are not responded to in a timely fashion. Phone calls are marginally better, if you can get through. Diabolical service and long waiting times for anything to get done.

I have been trying to see my own pension statement from 2023 and have complained on many occasions but get nothing back. Worst pension scheme I have known. How did they get the contract.

Why is there not a negative rating:-) They send a letter asking you to log into your account. You go to the account, log in and hey ho, they want your details updated. No problem you might think - but as usual, the website hangs when you click 'next'. You clear the cache, try a different browser, but no, it hangs. Then you get the 'sad face' website unavailable message. you try to ring - endless questions and have given up trying. Every possible method of contact is obsructed presumably to field the complaints. Why on earth do contracts for services like this keep being outsourced to Capita?

Although the advisor tried very hard, ( he was excellent), to get me logged on using a new pin, and password, I still had to go through a lengthy process that crashed at the last part. It didn't allow me to enter the final part. It timed out.
Having done every lengthy process correctly, it didn't work.
I am disappointed. Now I have asked for my P60 to be just posted using Royal Mail, as they have been doing every year so far.
A message asking me to do it online is not an option now, after to this awful security system.

My wife died on January 31. She had nominated me as the beneficiary of any death benefits. We were both members of the pension scheme. In February I was told that the agency had all the information needed and that they would be in touch shortly. Since then silence. I phoned and was told “calculations are still being made”.
No progress to date (21 April), and I suspect tha TPA are as unreliable as NS&I. How has this happened ?

At last, after 4 years of struggling, this website recognises me, my current email and is clear, easy-to-navigate and accurate.

Thank you

I am leaving a partially positive review to offer reassurance and hope to fellow teachers about to retire, as I have spent the last 6 months anxious about whether I would get my lump sum/pension on time. Actually, it all happened on the day it was supposed to and I was sent a report detailing everything 2 weeks before. From my application to receiving my pension, all has been smooth and well communicated.
However, trying to call TP’s is a nightmare, waiting 40 minutes at least and generally feeling you still don’t understand fully. I paid for advice from The Wesleyan Trust and found that advice invaluable. I think TP expect us all to read the documents to know what to do but we’d all rather chat things through, which doesn’t seem to be an option. The TP website isn’t always easy to navigate and being locked out is a frustration but in the end everything has gone to plan, which is a relief.

Having had yet another letter (I get them almost yearly) suggesting my details may have changed I tried phoning . After a long wait I was asked various security questions. There is no warning on the letter that you will need to have this information ready, including date of starting to teach (over 50yrs ago!!). I was told I had answered one of the questions incorrectly and they couldn't proceed. I still think I was correct. In similar circumstances last year my pension was stopped.

If I could give it a negative mark it would be -1000.
Having received a letter asking to contact these idiots to confirm my details hadn't changed ( presumably hoping I had died so they could stop my pension ) , waited 35 minutes on the phone. Gave them details up to the point when they asked me about the date of my previous employment. It was over 25 years ago and I couldn't remember , so I failed their "security check" , so they couldn't proceed - the consequences of which I was told that my pension would stop.
This system is "operated" and "administered" by complete mindless idiots. I wouldn't let anyone employed by this organisation clean out my toilet ( I think it's Capita - known as useless in everything they operate, but make billions out of the public sector )

Abysmal organisation! I've lust count how many times I've had to reset my password, or get a new pin, as I couldn't login. As my pension payments have suddenly decreased, I wanted to see if there's any notification about this on the website. Surprise, surprise, I can't login. Again. The ChatBot is no help whatsoever. Yet again I will have the joy of trying to sort it out over the phone tomorrow - another thing that takes ages. It's about time this organisation sorted itself out!

Impossible to communicate through their systems - The site constantly locks you out .Impossible to speak with the advisers who asked so many security questions -just to tell me I had failed . If it wasn't so serious it would be a joke .Can get no sense out of them.

Having emigrated and worked some years abroad, I requested to transfer out of the scheme to add it to the one in my country of residence. More than a year later and several messages sent. No progress. One very short response to say it was being looked into.
Very unprofessional.

BBC Money Box 11 April 2026 - the debacle that is Teachers Pensions. Likely only say government is working to address problems as is their default response with no definitive timescale but I am thankful it is in the public domain ahead of the forthcoming council elections.

Extremely poor service experience. Waited on the phone far too long and then gave up. Not for the first time! What's the point? Nothing will change. At the very least offer a call-back service.

Absolutely hopeless. I won't detail the catalogue of misinformation, poor communication, being told something different every time I contact them, telling me I should have received messages that were never sent, endless filling in different forms etc etc etc. They just don't seem to know what they are doing! I don't think I've ever had the misfortune to deal with such a poorly organised shambles of an organisation in my life. Absolutely dire.

This is an update to a 5* review I written October 2024...
I am writing this update to express my absolute frustration with the ongoing lack of service. Since my last review, the situation has only deteriorated.

The Highlights of My Experience:

Inaccessible Support: Trying to get through is a nightmare. After waiting over 20 minutes in a queue, the Live Chat simply disconnected without a word.

Contradictory Information: I am being told different things by every agent I speak to. One representative provided a specific date for my payment, but the next told me that due to a "backlog," they have no deadline and no idea when I’ll receive my money.

Significant Delays: I am still waiting on an underpayment that has been pending since September 2025.

It is deeply concerning that a company can hold onto funds for over six months and then claim they "can't say" when the issue will be fixed. The "no deadline" excuse is simply not professional.

Bottom line: If you’re looking for consistency or timely support, look elsewhere. Still waiting for a resolution that feels further away than ever.

Following on from earlier poor experiences with this organisation (run by Capita, who have recently been rewarded for their poor service standards by being given the Civil Service Pension contract) I decided to take an early reduced pension last year. Wary of previous dealings with TPS, I have recorded all my interactions with them. After 25 contacts with them in 2025, I was eventually given my pension choices in Oct 2025. I made choices based on the values presented to me. In Dec 2025, TPS wrote to me to tell me that the lump sum they would pay me on 1st January was now £10,000 higher than originally quoted. I queried this and was told twice by phone, and also in writing that their new calculation was correct. I was paid this higher amount on 1st Jan 2026.
Two weeks later TPS contacted me to say that they had made an overpayment of £16,000 (nearly 25%) and they wanted back the extra money, plus some of the sum that was originally promised back when I made my pension choices in 2025. There then followed 3 months of hesitant, contradictory communications (at least 12 contacts) and complaints left unanswered within promised timescales.
Finally on 25.03.26 I got a "final response" stating that: their new figures were correct, they had applied the wrong formula back in October 2025, there was nothing they could do and if I didn't like it, I should complain to the DfE.
Two days after the "final response", I got a new letter, re-calculating my pension, this time with a lump sum alteration £1500 to my benefit, although I still need to repay £14,500. There was no explanation of what had triggered this change and no response from TPS when I queried this.
I am particularly enjoying being periodically sent marketing emails from TPS saying "hope you're enjoying your retirement - we're here to help" accompanied by photos of grey haired men swimming with dolphins.
Ah well, onto the next level of complaints, or maybe my MP or the press would be a better route? If I die before TPS resolve this mess I have asked for my children to cremate me with all my correspondence with TPS - what a bonfire that will be ! ❤️

Has anyone, or is anyone interested in starting a civil case against TPS?
I have today rung TPS again and queried a broken Shared Pension Order (in 2022) whereby the whole amount was mistakenly paid to my ex husband nearly two years ago, and they maintain they are still trying to ‘work out the numbers’ due to transitional protection.
Having contacted my MP, to no avail, the police have suggested a civil case - a broken Shared Order is a break in law.

I have been trying to claim death payment benefits following the recent death of my wife who was a Teachers Pensions member. I sent them the claim form and certified copies of the Death Certificate and our marriage certificate. Spoke today on phone to one of their agents who said the claim had not been processed yet as I had sent copies of the documents. I pointed out that the Registrar had the original documents and I had purchased a certified copy to deal with administering my wife's estate. I got absolutely nowhere. Have since tried to send email but not sure this has worked. The email address they provided seems to not be functioning. The website, email, and phone seem to be hopeless. Have now tried letter to Head of Operation s. Absolute nightmare.

Ha...being generous as they don't even deserve 1!!! Finally, after waiting over 12 months for my transitional application to be sorted, I got an email stating that it would be processed within the next 10 working days. Not surprisingly, 10 working days later... nothing! Contacted them to be told it's just a generic email that goes out and recalculations need to be made that are complex, so takes time. What a joke! If they just processed applications when they received them, there wouldn't be any need for recalculations. DUR!!! Bet they don't take into account the interest that could have been attained in the 12+ months that they've had my completed forms!!!! Absolutely useless!