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New State Pension Scheme


The new state pension scheme expected to start in 2016 and pay a flat rate of £155 will not apply to every new pensioner. It is estimated that 6 in 10 will not get the full amount. 58% of workers retiring in 2016 will get less than the £155 ( or whatever the full amount is) if they have been a member of a contracted out scheme, like that of the Liver, and therefore not paid N I at the full rate for the last 35 years.Currently anyone who has 30 years worth of National Insurance contributions qualifies for the basic pension of £113.10 per week. Under the new scheme anyone who paid a lower rate will have a deduction made for the years they were contracted out.Personalised pension statements will be issued to all future retirees affected by the new rules.Pensioners already in receipt of a state pension will not be affected.

Royal Liver Superannuitants Association