New flat rate State Pension

[LOVELYDOVEY05]

I heard this is based on working/contributing for 35 years. But I am a bit confused because I read that you may not get this rate if you have opted out of Serps/entered into a final salary scheme (as opposed to money purchase or nothing) It is quite important because only working/contributing for a few more years seems to be advantageous

You can check what you would personally be entitled to on the Government website. I’ve been confused about the opting out bit.

if you contracted out of the state pension (probably did if you've got a private pension scheme), you would have paid lower NI contributions. Therefore you will get a lower State Pension. Best way to find out is to check your NI record. www.gov.uk/check-national-insurance-record

@Pippa54321, sorry to hear this but you're on a money thread! You need to start your own thread in the appropriate forum - maybe parenting or in chat?

I lost some years through opting out of SERPS, but will have just made all mine back up again in April next year so will get the full state pension. I Joined my company in 1985 And our pension was defined benefit until 2018, now it’s defined contribution.

As others have said, check your pension online, it will tell you how many years you have in and your estimated pension.

I’m a teacher and our contribution was put in our teacher pension-I’ll never make it all up but not too worried.