An individuals total life expectancy is defined as their current age plus their life expectancy from the current age. For a group of individuals of the same age, total life expectancy increases with age attained because those dying at earlier ages are excluded from the group. Thus, an individual's life expectancy at birth is very different to their total life expectancy at later ages.
As part of the demographic assumptions associated with the periodic valuations of the Teachers' Pension Scheme, the Government Actuary takes into account the life expectancy of teachers following their retirement. In the latest valuation report at