Basic State Pension and Additional State Pension for anyone reaching state pension age before 6 April 2016

Basic State Pension is based on an individual’s record of NI contributions and credits.

The full value of the Basic State Pension is £134.24 a week (2020-21). To get the full amount, you must have at least 30 years of NI contributions/credits.

Anyone with less than 30 years will receive a proportionate amount of the full amount (eg someone with 20 years would receive two-thirds of the full amount).

Basic State Pension is currently increased each year in payment in line with the triple lock formula – the best of CPI price inflation, average earnings increases and 2.5%.

Additional State Pension (known as State Earnings Related Pension (SERPS) between 1978-2002 and State Second Pension (S2P) from 2002-2016).

These supplementary benefits are also based on an individual’s NI record. The amount you get has tended to be linked to the level of your earnings. But the formulae used to calculate them is historically complex and has been changed on numerous occasions, so they are not easy to for people to work out.

Additional State Pensions are increased each year in line with CPI price inflation.

Individuals who have a history of being contracted out and paying lower levels of NI contributions will have diminished levels of Additional State Pension payable commensurate with the length of time they were contracted out for.

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