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Old Oct 2nd 2017, 3:38 pm   #46
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Default Re: Uk state pension age and calculated benefits

I think you had to "contract out" if you belonged to a company pension scheme. For most of my employment I avoided joining a company pension scheme, contributing to my own Private Pension Plan and hence "contracted in" to SERPS. A friend of mine is getting £250 per week for the same reason, although he retired about 5 years ago - I had thought I would get about the same when I retire next year, but it appears not.
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Old Oct 2nd 2017, 3:42 pm   #47
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Default Re: Uk state pension age and calculated benefits

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Originally Posted by mrken30 View Post
I have a slightly different problem. I worked in local government for 6 months, September to end of April. HMRC is saying that I was contracted out for those 2 years. The council is saying because I worked less than 2 years they was to refund my contributions. So I get no pension from either scheme. Similar with the company I moved onto that had a DB scheme, again contracted out, but again not enough service, so want to refund contributions. This was over 15 years ago now. I wish they had told me this at the time.
I worked a couple of years for the civil service but I seem to remember getting my superannuation refunded.
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Old Oct 3rd 2017, 3:57 am   #48
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Default Re: Uk state pension age and calculated benefits

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Originally Posted by InVinoVeritas View Post
I worked a couple of years for the civil service but I seem to remember getting my superannuation refunded.
I started as a student engineer with one of the 'leccy boards. From 18yrs old we paid into superann. I left just after finishing my apprenticeship and got back all my superann as i had not been in the scheme for 5 years. Paid the deposit on our first house! then I worked for a company for 10years , paying into the company pension but when I left, it was converted into a "paid up" pension as i'de been there more than 5 years. Only worth £800 a year but not to be sneezed at as I had not paid into it for over 30 years!
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