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pension forcast
phil1959
Posts: 28 Forumite
In 2016 I got a pension forecast because some of my years were contacted out I was 4 years short of the current, pension, I have worked nearly 42 years , I was told by someone today if I finish work before my 66th birthday I wont have full pension contributions and will have a shortfall I was planning go finish April 2020. can someone advise. they implied I would have a short of 6 years.
thank you
thank you
0
Comments
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I am coming up to 60 now.0
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Have you checked your current forecast on gov.uk?
It will give you the position to 05:04:2018, too early for 2018:29 yet.
What is your State Pension age?
Did "someone" know your full personal circumstances? Or were they generalising?0 -
In 2016 I got a pension forecast because some of my years were contacted out I was 4 years short of the current, pension, I have worked nearly 42 years , I was told by someone today if I finish work before my 66th birthday I wont have full pension contributions and will have a shortfall I was planning go finish April 2020. can someone advise. they implied I would have a short of 6 years.
The page you're after is this one:
The number of more years you need to work for a full state pension is where it says "contribute another 6 years" in that diagram.
And who is this "someone" who claims to know more about your pension than the government website?Conjugating the verb 'to be":
-o I am humble -o You are attention seeking -o She is Nadine Dorries0 -
Check the government website. I don't see how the person you were speaking to knows how many years if any you are short. If you were 4 years short in 2016 presumably due to contracting out then the assumption would be you will just about be ok by 2020.
I retired at 58 and had 40 years contributions and was only 4 years short of full pension due to COPE. I will be making up 3 by claiming NI credits from my DD for childcare for my DGDs from 2018-2021 and the last year only adds pennies to my pension so won't bother with that one.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php0 -
Check here
https://www.gov.uk/check-state-pension
If you were told in 2016 that you needed four more years for a full NSP and have contributed 16/17, 17/18 and 18/19 you may only need one more year.0
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