State Pension forecast (individual request)

Silvertabby

nigelbb wrote: »

Probably didn't realise that raising the school leaving age was relatively recent & that there are still people in the workforce who could have left school at fifteen.

1972. I left at 15 in 1971 Actually, one of my school friends left at 14 - her birthday is in August, so she was still 14 when we 'broke up' for summer, but as she was 15 before the new term started in September she didn't have to go back.

DairyQueen

rangersfc wrote: »

nigelbb,
Thanks for that info, although I do not understand why drumtochty questioned the fact I started employment at age 15.
regards

Younger peeps don't necessarily know how things used to be. The school leaving age was raised to 16 in 1972. It had been 15 from 1944.

For my parents (born in the late 1930s), it should have been 15. My dad stayed on until 16 but mum was thrown into the full-time workforce at the tender age of 14 in 1953. How that happened I have no clue.

Silvertabby

DairyQueen wrote: »

Younger peeps don't necessarily know how things used to be. The school leaving age was raised to 16 in 1972. It had been 15 from 1944.

For my parents (born in the late 1930s), it should have been 15. My dad stayed on until 16 but mum was thrown into the full-time workforce at the tender age of 14 in 1953. How that happened I have no clue.

August birthday ?

[Deleted User]

Silvertabby / DairyQueen,
My spouse also left school at 14, again his birthday was during holidays. He then joined Her Majesty's Armed Forces aged 15!
regards
PS His birthday is April and he was 14 when school closed for Easter

DairyQueen

Silvertabby wrote: »

August birthday ?

Nope; February. Go figure.

[Deleted User]

I shall update when I receive further response.
Thanks all

[Deleted User]

Hello again all,
Somewhat earlier than the expected 8-10 week wait for response with correct figures , I have received written clarification and confirmation of my online State Pension Forecast!
The written forecast now has information re contracted in/out and also a COPE figure. The online forecast has also been updated to reflect the figures.
The revised forecast states I will receive the maximum
£168.60 and confirms contracted in/out service with a COPE figure of £37. No explanation re the omissions online.
Good news, if I can believe the figures are correct
Thanks for the help,
Regards.

DancingBadger

Following the advice on this thread, OH requested written confirmation of his online SP forecast of £250.01 pw. The confirmation received this morning could have been a screenshot of his online statement. I just double-checked the online forecast page and there's no mention of COPE.


He's two years away from SPa; is it safe to assume the written confirmation means the figures they have will have been double-checked? SP of £13000 pa seems high to me, especially as he was contracted-out at various stages of his employment. He has 47 years of contributions.

Linton

DancingBadger wrote: »

Following the advice on this thread, OH requested written confirmation of his online SP forecast of £250.01 pw. The confirmation received this morning could have been a screenshot of his online statement. I just double-checked the online forecast page and there's no mention of COPE.


He's two years away from SPa; is it safe to assume the written confirmation means the figures they have will have been double-checked? SP of £13000 pa seems high to me, especially as he was contracted-out at various stages of his employment. He has 47 years of contributions.

If the figure are right it suggests that you husband was in well paid contracted-in employment for a lot of his working life accruing a large amount of SERPS/S2P/ASP. Under those circumstances the pension will be purely based on the amount gained under the old rules and COPE will not be relevent. Under the old rules whilst you were contracted out you simply did not get the benefits of contracting in rather than suffering a deduction from the base amount. As he had already exceeded the new standard SP in April 2016 any NI paid since then would not have affected his SP.


Obviously we have no way of knowing whether the numbers are right or wrong, nor whether DWP actually did any further checks. However they could well be right and so I suggest you work on that basis.

Dasa

What has happened that forecasts are wrong? I read this and then checked mine. It says I have 40 years and the maximum pension.A few weeks ago it said I had 39 and 1 year short. I was thinking about making a voluntary contribution to get it up to the max. So now I don't know if its' correct or not and if I should make one.