ebikeerwidnes
Senior Member
The change that's possibly caught you, and would have had me if after leaving a 35year career in the Civil Service I wasn't still in part time employment, is the reform of pensions in 2016.
The full pension as of today is £221.20 as opposed to c£160 in the previous scheme.
If you were contracted out of the second state pension, SERPS etc, because of paying into a company pension then, AIUI, years prior to 2016, may not count in full for the new pension.
If you go on line and check you can see how you're affected and whether you might want to think about buying in NI for missed years.
Yes - that is what caused it
but the letter I got implied to me at the time that I was all sorted
It was up to me to check it out when I got older
which I did
but then I am intelligent (probably) and I have had contact with money and businesses for most of my life so I am OK going out and checking this stuff
I would hate to have to explain it all to my sister-in-law - and worse still her husband
I am pretty sure they are going to have a shock at some point