State Pension forecast less than full amount - NOT contracted out

maryroberts

molerat wrote: »

What is his current amount in £ ?
Which post 2006 years are not complete ?
Is 2016-17 showing as complete ?
Which years did you buy ?
Is there a COPE amount shown anywhere ?

Just noticed your question about COPE - no, there is no COPE amount shown anywhere.

xylophone

Is there a COPE amount shown anywhere ?

The OP states that her husband was never contracted out.



As far as I can see from following the steps on page 6 of the chart, he can top up/pay years from 2006/7 to 2015-16?

16 years + 10 years makes 26 years.


This would give him 26/30 x £119.30 as at 6/4/16 to which he can add post 2016 years.

This gives the DWP maximum figure.

molerat

xylophone wrote: »

The OP states that her husband was never contracted out.



As far as I can see from following the steps on page 6 of the chart, he can top up/pay years from 2006/7 to 2015-16?

16 years + 10 years makes 26 years.


This would give him 26/30 x £119.30 as at 6/4/16 to which he can add post 2016 years.

This gives the DWP maximum figure.

There have been many "never contracted out" posters on here who have shown a COPE amount

If he had only a basic pension the calculation would have been done on new rules. He currently has 18 pre 2016 with 7 missing.

I believe the problem lies in the 3 years being queried and the calculation is treating them as if they do not exist and cannot be counted / purchased. When that is sorted I think he will be able to get very close to the max.

maryroberts

molerat wrote: »

There have been many "never contracted out" posters on here who have shown a COPE amount


I believe the problem lies in the 3 years being queried and the calculation is treating them as if they do not exist and cannot be counted / purchased. When that is sorted I think he will be able to get very close to the max.

Thank you Molerat, that is exactly what we have been hoping for, and will wait for a response to our letter, to be sure. In the meantime I was hoping to try & understand the calculations involved. I really hope you're right about these 3 years being queried.

maryroberts

xylophone wrote: »

The OP states that her husband was never contracted out.



As far as I can see from following the steps on page 6 of the chart, he can top up/pay years from 2006/7 to 2015-16?

16 years + 10 years makes 26 years.


This would give him 26/30 x £119.30 as at 6/4/16 to which he can add post 2016 years.

This gives the DWP maximum figure.

Thank you Xylophone, but why isn't the calculation 26/35 x £155.65 as it's the higher amount?

xylophone

There have been many "never contracted out" posters on here who have shown a COPE amount

That is true but the OP seemed pretty definite on the point.

my husband has never been contacted out.

He has not been contracted out at any point in his working life.

xylophone

Thank you Xylophone, but why isn't the calculation 26/35 x £155.65 as it's the higher amount?

It is only the BSP pre 2016 that can be topped up (to a maximum of 30 years).

The situation could be as Molerat conjectures in post 14 but on the figures given it seemed to me that DWP had given the maximum if all available years were paid - it's a case of waiting for an explanation/decision from DWP.

I hope you'll come back with the decision when you've heard from the DWP.

Do you know whether his starting amount was based on the old rules or the new rules calculation?

His BSP at 6/4/16 would have been £63.63 but did he have any SERPS/S2P?

His NSP would have been 16/35 X £155.65 ( £71.15).

maryroberts

Thanks again Xylophone. Please can you advise what BSP and NSP mean? I'm at work and can't readily look this up.


Do you know whether his starting amount was based on the old rules or the new rules calculation? When I looked at the link you recommended yesterday, he came under the new rules according to his DoB. (Is there anything else that would determine this?)


There is no SERPS/S2P involved at all.


I will let you know when we hear back from DWP, not sure how long it takes them to respond to letters!

Silvertabby

BSP = Basic State Pension (old rules)

NSP = New State Pension (new rules)

Are you sure about not having any SERPS/SP2? His forecast figures don't make any sense without these additions.

p00hsticks

maryroberts wrote: »

Thanks again Xylophone. Please can you advise what BSP and NSP mean? I'm at work and can't readily look this up.

I suspect;

BSP = Basic State Pension i.e. calculation under old rules)
NSP = New State Pension (i.e. calculation under new rules)