New State Pension Guide

molerat

Once you reach SPA the COPE amount is not visible on the tax account page as it comes under the SP heading and not NI.

ffacoffipawb

ffacoffipawb said:

Dazed_and_C0nfused said:

It used to be right at the bottom of the forecast and took you to an additional page.

jem16 said:

ffacoffipawb said:

xylophone said:

What was your COPE?

Is it still possible to view your COPE? I still see I need 1 year (this one, got it before retiement) but i see no mention of COPE on that page.

I can still see it when I click on this link in my online forecast.

thanks, i will take another look later.

Thanks. Looks like a full state pension for this part tax year - despite a COPE of £41.

My wife has full state pension already and a COPE of just £1.

JaveaSteve

jem16 said:

JaveaSteve said:

xylophone said:

What was your COPE?

xylophone, I am unable to find any reference to my COPE.  Have looked on line GOV.UK and through all correspondence, no trace.  For info, checked my NI contributions and have 40 years full and 9 years not full that states if I can make up the shortfall ip if I pay £780 by 5th April 2023.  However reading the above I'm confused as if it would be of benefit to me.  

Paying for tax year 2016/17 will be of benefit to you and the current price for that year is £780. It will go up in April. You won't make up to full nSP but it will give you an increase of roughly £4.80pw.

Thank you all.  Have just come off the phone with The Pensions Service who stated I am still able to pay NI for the years between when I stopped working (2008) until I received my State pension (2017).  They will look into my particular circumstances and send a Voluntary Contributions letter out to me showing me should I make any extra contributions what the benefit will be in my pension payment.  They also advised me that this may take 2 months, hopefully the letter will be self explanatory otherwise as Arnold once said "I'll be back" Thank you all again.

xylophone

Did you see  post and link (at the bottom of the page)
https://forums.moneysavingexpert.com/discussion/5439410/new-state-pension-guide/p57

jem16

JaveaSteve said:

jem16 said:

JaveaSteve said:

xylophone said:

What was your COPE?

xylophone, I am unable to find any reference to my COPE.  Have looked on line GOV.UK and through all correspondence, no trace.  For info, checked my NI contributions and have 40 years full and 9 years not full that states if I can make up the shortfall ip if I pay £780 by 5th April 2023.  However reading the above I'm confused as if it would be of benefit to me.  

Paying for tax year 2016/17 will be of benefit to you and the current price for that year is £780. It will go up in April. You won't make up to full nSP but it will give you an increase of roughly £4.80pw.

Thank you all.  Have just come off the phone with The Pensions Service who stated I am still able to pay NI for the years between when I stopped working (2008) until I received my State pension (2017).  They will look into my particular circumstances and send a Voluntary Contributions letter out to me showing me should I make any extra contributions what the benefit will be in my pension payment.  They also advised me that this may take 2 months, hopefully the letter will be self explanatory otherwise as Arnold once said "I'll be back" Thank you all again.

I fully expect this to say that only 2016/17 will improve your state pension. Did you not ask this question when you were speaking to them as it would save a 2 month wait?

xylophone

The ability to buy 2016-17 has already been mentioned to OP by DWP and other posters.
This would have been on the basis that his starting amount was based on the old system.
It seems highly unlikely  (given that the OP retired early at age 56  and presumably after many years of contracting out)  but is it possible that the OP's starting amount was based on the new system?
See page 6 here https://www.royallondon.com/siteassets/site-docs/media-centre/good-with-your-money-guides/gwymg-1b-topping-up-state-pension-2019-interactive.pdf
This seems to be the only way he would be able to increase his pension with voluntary contributions from 2008 - 16 ?

jem16

xylophone said:

This seems to be the only way he would be able to increase his pension with voluntary contributions from 2008 - 16 ?

I wasn't necessarily getting the impression that buying years from 2008 - 16 would be any good to him - it seemed to be more that they were agreeing that it was possible and that they would investigate his circumstances and then write to him. As he has more than 35 years already, I cannot see any reason where buying pre 2016 years would help.

JaveaSteve

xylophone said:

The ability to buy 2016-17 has already been mentioned to OP by DWP and other posters.
This would have been on the basis that his starting amount was based on the old system.
It seems highly unlikely  (given that the OP retired early at age 56  and presumably after many years of contracting out)  but is it possible that the OP's starting amount was based on the new system?

This seems to be the only way he would be able to increase his pension with voluntary contributions from 2008 - 16 ?

Sorry failed to mention that I asked what scheme I was in.  After explaining previous phone call stating I was advised I would be better off in Old Scheme, the lady I spoke to today confirmed that although it was a possibility, I am in fact in the New Scheme.  When I asked about the years prior to 2016-17, she was unable to confirm if I was eligible to pay from 2008 as it was the responsibility of the Voluntary Contributions department. Fingers Crossed!

molerat

If you already had in excess of 35 pre 2016 years it is of no relevance which calculation was used and purchasing any more pre 2016 years would not add value,  the pension amount can only be increased with post 2016 years.

gfokchak

I was born in May 1944 and I have paid 35 years of national insurance. 

I got paid 4/5 of a full pension when I retired in 2009.

Do you think my pension is correct? Should I be receiving a full pension ?