SERPS Former Protected Rights with Benefits Pot

Brynsam

PeteWhittle wrote: »

I am due my state pension soon and have full NI contributions, one of my past employers contracted me out for a few years, that pension was commuted post divorce and I got 40%.
Do I get a serps pension? Why did my employer contract me out ? If im on the losing side can I complain to anyone?

Get a state pension forecast to check exactly what you will receive: https://www.gov.uk/check-state-pension

Sounds as if you were in a final salary scheme when you were contracted out? If so, you and your employer both had the benefit of lower NI contributions while you were in employment and building up benefits in that scheme. The alternative (assuming this was post-April 1988) would have been to opt out of scheme membership and not build up any occupational pension scheme benefits - and pay higher NI.

No, you can't complain about being contracted out - but there is generally nothing to complain about! Your situation isn't the same as that described by OP.