Take care if you may be faced with a period of unemployment but are already drawing a (reduced) teacher's pension. Having taken a reduced teacher's pension at 55, I was able to fnd part time work for some time. When that finished and I was looking for work, I applied for JSA based on 35 years of NI contributions. This is a non means tested benefit based purely on contributions. Except it isn't. Because if you have been prudent enough to pay into a private pension and are currently using that to survive, your JSA payment is reduced pound for pound if you receive over £50 per week, bringing your JSA to zero. In addition, your state pension statement shows that your entitlement is also affected quite considerably, in my case a reduction of nearly £160 per month. If only I had known, I could have used my hefty pension contributions to invest otherwise, be receiving the JSA that I had paid in for over 35 years and be due to receive the full state pension.