In a nutshell (to 1 October 2017)

This page is an overview of the OSPS at a glance. For more information, click on the relevant heading below.


You can currently choose one of three cost plans from 5.6% to 7.8% of your pay. From 1 April 2018, these plans will be from 6.6% to 9.6% of your pay. If you pay tax you will get tax relief.


If you are a new employee, even if you are on probation or a short-term contract, you will join automatically from the start of your job.

Building up your benefits - before 1 Oct 2017

OSPS is a career average scheme (CARE). Your pension and lump sum build up as a proportion of your earnings each year. They are then revalued in line with inflation to your retirement date.


Your scheme retirement age is your state pension age in whole years. If you retire before or after this age your benefits will be reduced or enhanced.

Ill Health Cover

If you are no longer able to do your job due to ill health you may be able to take an enhanced pension at any age.

Benefits if you die - joining before 1 Oct 2017

If you die we will pay a pension to any dependents and usually a tax-free lump sum as well.

Benefits if you leave

You can choose between a transfer to another pension scheme, keeping your benefits in OSPS and in some cases a refund of your contributions.