3 years to qualify for full SP. Can that be right?

sweetmelody

xylophone wrote: »

Which will account for your COPE.

C&W had a defined benefit pension scheme as did BT - you will have been contracted out while in these schemes.

You have a deferred pension from both?

I do - thanks for clarifying the effect of SERPs/ASP on the calculation. I was wondering if the figure is available in the same way as the COPE figure was available on the forecast website? Just out of interest as of course I'm happy with the estimate of 3 years to full SP

xylophone

I was wondering if the figure is available in the same way as the COPE figure was available on the forecast website? Just out of interest as of course I'm happy with the estimate of 3 years to full SP

See

https://forums.moneysavingexpert.com/discussion/5955781/estimated-additional-state-pension

just received a ten page detailed analysis from the DWP of my entire working life's Ni/ pension contributions ..What an excellent service - every aspect of my state pensions, ASP, GMP, Earnings related ..SERPS etc..has been broken down year by year, all the calculations shown and explanations provided. Must have taken weeks..in fact I'd almost given up expecting a reply to my request. Will take me a nice few quiet hours to try and understand it all now...

Silvertabby

Your SERPS/SP2 has already been accounted for in your State pension forecast.


Have you been receiving annual benefit statements from C&W and BT ? Have you kept them informed of any changes of address?