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Equality
- Thread starter Stevebrooke
- Start date
I have worked full time from 1974 to 2012, I have worked part time for the past six years, the prison service only opted out of serps in the last few years so how come I’m penalised?
I was told I will not get a state pension at all, why ? because my NI contributions are not up to date by just over a year yet I was either employed or claiming benefit (for short periods) since the age of 16, eg well over 35 years
And now while unemployed through illness I get a big fat £16 per week, makes me wonder why I slogged my guts out all those years & made myself ill in the first place
That first bit really doesn't sound right - my understanding is that a proportional amount is paid based on contributions. Or are you saying you have NI arrears - I can understand why this would be a 'knock out' factor.I was told I will not get a state pension at all, why ? because my NI contributions are not up to date by just over a year yet I was either employed or claiming benefit (for short periods) since the age of 16, eg well over 35 years
And now while unemployed through illness I get a big fat £16 per week, makes me wonder why I slogged my guts out all those years & made myself ill in the first place
I would have thought a proportion.
I get £2+ per week (as a lump sum) for my summer work in UK
I chased it because I thought if I had medical card entitlement there I would have same right here (in EU).
But as I have a part contributory here I'm not entitled.
I get £2+ per week (as a lump sum) for my summer work in UK
I chased it because I thought if I had medical card entitlement there I would have same right here (in EU).
But as I have a part contributory here I'm not entitled.
Quiney
Registered User
I was told I will not get a state pension at all, why ? because my NI contributions are not up to date by just over a year yet I was either employed or claiming benefit (for short periods) since the age of 16, eg well over 35 years
And now while unemployed through illness I get a big fat £16 per week, makes me wonder why I slogged my guts out all those years & made myself ill in the first place
You can get a pension forecast on the gov website.
Serps, when it came out was intended to top up the state pension. Those in final salary schemes such as teachers, police and prison officers opted out of Serps and paid a reduced level of NI as a result. You can't have your cake and eat it, Derek.
I know it doesn't sound right mate, been having the argument with them for 3 years + now but cant make any sense of it, they started out saying my contributions were 5 years in arrears & now have decided its a little over a year I am still trying to get them to tell me where this supposed arrears came from as my NI has always been paid as far as I am aware
And yes you are right if there were arrears then I should get a reduced rate but when I point this out I get stonewalled
I suspect there is a difference between 'shortfall' and 'arrears'. 'Arrears' implies that NI should have been paid from declared income but wasn't?
How are you communicating?
Registered letters (with "registered post" on letter heading) usually brings a different response.
They should have to tell you which years are missing. Did you keep all/any of your end of year tax certs from employers????
That's how I won back a year I had the P60 from 1984, I think it was.
Registered letters (with "registered post" on letter heading) usually brings a different response.
They should have to tell you which years are missing. Did you keep all/any of your end of year tax certs from employers????
That's how I won back a year I had the P60 from 1984, I think it was.
I wasn’t given a choice.
You could have come out of your FS pension scheme if you felt SERPS was so good. You are much better off with your FS scheme so just do the years and pay an AVC if you want to make up arrears. You didn't pay the full NI so stop whinging!
Ahhh 47
You missed my earlier post, I’d paid over 35 years NI contributions before we opted out of serps.You could have come out of your FS pension scheme if you felt SERPS was so good. You are much better off with your FS scheme so just do the years and pay an AVC if you want to make up arrears. You didn't pay the full NI so stop whinging!
So what is the relevance. You paid a lower level of NI contribs while you were contracted out. You now want the rest of us to fund your under payments? Stop feckin whinging and pay AVCs if you want to make up any shortfall!
I paid 49.5 years of NI before I retired. PS I lie because I spent a lot of years outside the UK.So what is the relevance. You paid a lower level of NI contribs while you were contracted out. You now want the rest of us to fund your under payments? Stop feckin whinging and pay AVCs if you want to make up any shortfall!
AVCs - got to be done if you can afford them, even if only in the final years before retirement. Tax treatment is massively beneficial, and some employers will top up as well to reflect the NI payments that they do not have to make. Others look the other way and just pocket the benefit....So what is the relevance. You paid a lower level of NI contribs while you were contracted out. You now want the rest of us to fund your under payments? Stop feckin whinging and pay AVCs if you want to make up any shortfall!
How have I paid a lower level of NI?So what is the relevance. You paid a lower level of NI contribs while you were contracted out. You now want the rest of us to fund your under payments? Stop feckin whinging and pay AVCs if you want to make up any shortfall!