Has anyone managed to work out how this new state pension is going to impact on teachers? Tried to read up on it a bit this afternoon and it seems rather complex. Seems that you will be given what they call a "foundation" amount as of next April. If you have 30 years your amount will be £115 or pro-rata if you have fewer years. From then on teachers still working will no longer be opted out so will pay full Nat insurance (an increase of 1.4%) and will accrue £4.32 per to their foundation amount for each year worked. I think that those who retire after the change will also be able to pay voluntary contributions(currently £770 for each year but may differ for the new arrangement), allowing them to bring their foundation amount up to the new state pension maximum. Now I may have misunderstood this - anyone else researched I t?