The state pension is fairly straightforward these days, you pay 35 years full years of qualifying national insurance contributions and you get the full amount.

But things were a lot more complicated prior to 2016 where there was a 2 tier system. This causes a lot of confusion so in this video I am going to explain all about the obscure acronyms like SERP and COPE and most importantly help you work out what your state pension will be - or if you are already past state pension age, it will help to explain why you get the amount that you get.

To book a free call with me go to the link below

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Where to check your state pension record

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timestamps
0:00 intro
0:51 what was contracting out?
2:30 contracting out of a DB scheme
2:54 contracting out of a DC scheme
3:33 what were protected rights?
4:35 what does it mean for my state pension?
6:20 will I receive the COPE amount?

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