Contracted out of SERPS - I think?

Contracted out of SERPS - I think?

Author
Discussion

cashmax

Original Poster:

1,110 posts

241 months

Sunday 5th February 2017
quotequote all
I seem to recall signing something to contract out of SERPS decades ago. Don't ever recall seeing any communication and got no idea if I'm still out. I did in in my early twenties when a pension was a meaningless word to me. Now I'm 45 and just wondered how to find out if I did, when I did, who I did it with and if I'm still out?

Any pointers much appreciated.

cashmax

Original Poster:

1,110 posts

241 months

Sunday 5th February 2017
quotequote all
The problem is I have no paperwork and have never received a statement. The pension was a personal one I seem to recall. How would I go about finding out?

cashmax

Original Poster:

1,110 posts

241 months

Monday 6th February 2017
quotequote all
Thanks for the pointers. I don't even know if it was a personal or company pension. The company no longer exists. How do I find out if I'm still contracted out?

cashmax

Original Poster:

1,110 posts

241 months

Monday 6th February 2017
quotequote all
So I checked out the government website and din't have my ID, but you can get instant access by getting verification from a 3rd party. (using your passport or driving license and asking you loads of questions about stuff like credit cards if you get Experian to do it) Which took about 20 mins.

Pension £155.65
25 years of contributions with 3 of them having gaps

It says I was contracted out for some of the time, but no details as to who with.

The cope estimate was £40.06