Should i opt back into serps 2011

This information is for a man born before 6 April or a woman born before 6 April There is no need to make a separate claim. You may not get any Additional State Pension for periods when you were contracted-out of it.

You contributed towards your Additional State Pension through your National Insurance contributions if at any time between 6 April and 5 April you were:. If you are eligible for an Additional State Pension, you will automatically get it when you claim your State Pension. After you claim, the Pension Service will write to you and tell you how much you will be getting. You could only contract out of the Additional State Pension if your employer ran a contracted-out workplace pension scheme.

You should check this with them. While you were a member of a contracted-out workplace pension you did not contribute to the Additional State Pension. In some cases, you could get the Second State Pension even if you did not contribute, for example if your earnings were low. You cannot contract out after 6 April If you were contracted out, your National Insurance contributions increased to your standard rate after this date.

If your spouse or civil partner dies, you may be able to inherit part of their Additional State Pension. Contact the Northern Ireland Pension Centre to check what you can claim and how. If your spouse or civil partner died within 90 days of topping up their State Pension, the top up should have been refunded to their estate their total property, money and possessions , minus any payments they received before they died.

This means you will not inherit the top up as part of their Additional State Pension. The limit does not include State Pension top up. An example of how this is calculated, assuming earnings are revalued at approximately 2.

The information provided is based on our current understanding of the relevant legislation and regulations and may be subject to alteration as a result of changes in legislation or practice.

Also it may not reflect the options available under a specific product which may not be as wide as legislations and regulations allow. All references to taxation are based on our understanding of current taxation law and practice and may be affected by future changes in legislation and the individual circumstances of the investor.

If you are not an adviser, please visit the main Royal London website. Toggle navigation. Useful links. Literature library Fund information Online service Viewpoint articles. The figures shown are those that applied in the year to 6 April and have not been updated.

It was therefore popular with employers, as it meant they had to pay less National Insurance. Drop us an email and we will send you the form that you need to fill in and send back to the HMRC.

HMRC will typically take around 30 days to respond so be patient. If you would then like to move these old pensions into a modern pension plan tailored to you, sign up to our service online, and we'll take care of everything for you. You can find out more about making a complaint at the Financial Conduct Authority Website.

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