Deep-dive guides for every major UK public sector scheme — with current accrual rates, contribution figures, scheme history, and official links. Updated for 2026/27.
Isaac is a proud partner of the Forces Pension Society (FPS). If you served in or are currently serving in the UK Armed Forces, see our Armed Forces pension guide and visit forcespensionsociety.org for specialist advocacy and member support.
Select your scheme for a full breakdown of accrual rates, contribution levels, retirement ages, and key rules.
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AFPS 75, AFPS 05, and the current AFPS 15 scheme. Covers accrual, Early Departure Payments, Attributable Benefits, and resettlement planning.
Read guide →From the 1987 final salary scheme to the current PPS 2015 CARE scheme. Covers commutation, McCloud remedy, and ill-health retirement.
Read guide →The 1995, 2008, and 2015 sections explained. Covers the McCloud remedy, Annual Allowance traps for high earners, and employer contribution rates.
Read guide →Final salary and career average sections, contribution bands, the McCloud remedy, and why the employer contribution rate of 28.68% makes TPS one of the UK’s most valuable workplace benefits.
Read guide →Classic, Nuvos, Alpha, and Partnership explained. Covers the transition to Alpha, the 2.32% annual accrual rate, and how the Partnership DC scheme works.
Read guide →The 1992, 2006, and 2015 schemes explained. Covers the generous 1992 commutation rates, the McCloud remedy, and ill-health provisions for operational injuries.
Read guide →The UK’s largest public sector pension scheme with 5.9 million members. Covers the 1/49th CARE accrual rate, banded employee contributions, the 101 local funds, and AVC options.
Read guide →All public sector schemes are DB pensions. Understand accrual rates, commutation, CETV transfers, and revaluation in depth.
Read guide →Most public sector workers were contracted out — understand how this affects your State Pension entitlement.
Read guide →Add your pension from its latest statement as a final salary pension, try different scenarios, and see how it fits with the rest of your retirement. Free to start.
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