My state pension showing as £190

gerdo

Hello all, I just checked my state pension on the gov.uk site and it is showing as £190.16. The last time I checked it ( a long time ago) it was £175. Is that just a mistake? I thought £175 was the maximum.

Dazed_and_C0nfused

£175.20 is only the maximum for those starting out on their journey to State Pension since 2016.

Everyone else is under transitional rules which are quite generous.

You presumably built up more than the new "maximum" before the rules changed and that is protected.  Albeit extra NI years won't increase it further.

Post your forecast in full for more comments.

gerdo

Thanks for the reply Dazed, my forecast is below

Your forecast

• is not a guarantee and is based on the current law
• is based on your National Insurance record up to 5 April 2020
• does not include any increase due to inflation

£190.16 is the most you can get

You cannot improve your forecast any more.

You have:

• 39 years of full contributions
• 8 years to contribute before 5 April 2028
• 4 years when you did not contribute enough

Marcon

gerdo said:

Thanks for the reply Dazed, my forecast is below

Your forecast

• is not a guarantee and is based on the current law
• is based on your National Insurance record up to 5 April 2020
• does not include any increase due to inflation

£190.16 is the most you can get

You cannot improve your forecast any more.

You have:

• 39 years of full contributions
• 8 years to contribute before 5 April 2028
• 4 years when you did not contribute enough

So looks as if Dazed has correctly explained the position. You get a level of protection under the 'transitional 'arrangements from the old state pension system to the new, so get a slightly bigger state pension to reflect that you built up both basic rate state pension + some additional state pension (SERPS/State Second Pension) during your working life.