Solved-State Pensions - do i get one?

wazza

I know this is a bit premature for me as i am in my late forties. I want to know if i am eligible for state pension when i reach that age. How can find out?

Was in full time employment in the early nineties. I think i may have opted out of the scheme but can't remember. Had no documents to say otherwise.

In the mid nineties i was self employed through a limited company, i was a director.

In both employment i paid taxes and NI etc.

Have been claiming income support since 2004.

Prefer to sort out any obstacles now than leave it later.

Thanks in advance for any replies

von

http://www.direct.gov.uk/en/Diol1/DoItOnline/DG_4017970 but it could al change before you reach pension age.

Gemstar30

wazza wrote: »

I know this is a bit premature for me as i am in my late forties. I want to know if i am eligible for state pension when i reach that age. How can find out?

Was in full time employment in the early nineties. I think i may have opted out of the scheme but can't remember. Had no documents to say otherwise.

In the mid nineties i was self employed through a limited company, i was a director.

In both employment i paid taxes and NI etc.

Have been claiming income support since 2004.

Prefer to sort out any obstacles now than leave it later.

Thanks in advance for any replies

Hello

Why don't you ask the Pension Service for an estimate of your entitlement

seven-day-weekend

You won't have opted out of the State Pension entirely. What you might have opted out from is the SECOND State Pension, formerly known as SERPS, which is an earnings-related addition to the basic State Pension of (at the present rate )£97.65 a week.

If you were paying Class 1 NI contributions as employed, or Class 2 as self-employed, or claiming a State Benefit you will have been clocking up qualifying years. You presently need 30 years altogether to qualify for the full amount of Basic State Pension.

Get a Pension Forecast here:

http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/StatePensionforecast/DG_10014008

Oldernotwiser

How old are you?

seven-day-weekend

Oldernotwiser wrote: »

How old are you?

THe OP is in their late 40s.

Oldernotwiser

seven-day-weekend wrote: »

THe OP is in their late 40s.

I really must put my glasses on when I get up!:o

wazza

Thanks for the replies.

Have been away from the pc last few days hence could not reply.

In the next few days plan to ring up the pensions dept as stated in earlier post and will see what happens.

wazza

seven-day-weekend wrote: »

You won't have opted out of the State Pension entirely. What you might have opted out from is the SECOND State Pension, formerly known as SERPS, which is an earnings-related addition to the basic State Pension of (at the present rate )£97.65 a week.

If you were paying Class 1 NI contributions as employed, or Class 2 as self-employed, or claiming a State Benefit you will have been clocking up qualifying years. You presently need 30 years altogether to qualify for the full amount of Basic State Pension.

Get a Pension Forecast here:

http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/StatePensionforecast/DG_10014008

Update - Last Thursday i went onto the above website and requested activation code so that i can log on and find what i am eligble for when i retire.

Today the letter came with the activation code. Logged on and found what i am eligble for. It is as stated above.

What i was originally worried about whether i contracted out of state pension. Seven-day-weekend made me remember that it was the SERPS i may have opted out of.

Problem solved.

Thanks