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That is incorrect.El_Torro said:
Basically you might have been contracted out in a pension scheme, which meant that for the time you were in the scheme you did not qualify for state pension. Or maybe you simply didn't make enough contributions in one year to qualify for the full amount.
If you were contacted out then you and your employer paid a lower rate of NI which still accrued towards the state pension BUT did not accrue any SERPS/SP2.
Your contracted out DB scheme pension would replace (and then some) the foregone additional SP.0
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