Great work by Ruffian in this thread, again. Going that extra step to help. It's not surprising that their reaction score is higher than their post count.
In practise, this is more complicated. Post 95 PS workers who wish to retire at 60 under the teachers scheme would be required to bridge the gap between this age and state pension age. They can do this by claiming JSB and supplementary pension but I think can be a difficult process. Only those in the Pre 2004 scheme still have 60 as a retirement age. The main point I was trying to address was that the state pension is not paid in addition to this pension, but is included in it.