I am starting a job in an independent school in September. One of the conditions in my contract says, "the teacher is required to participate in the Department of Education's Superannuation Scheme (S.T.S.S) under the Teachers' Superannuation Regulations 1976 as amended from time to time." I am only doing a 1 year maternity contract and will then be returning to NZ. What is the scheme and can I opt out to get more money in hand? Any advice?