Quote Originally Posted by Returnofrros View Post
New flat rate is ?230.25 for state pension.....if you have paid less than 35 years Nics or not had them paid for you, you lose 1/35th for each year.

In your wife's case she has paid slightly less ni due to being in a contracted out employers pension scheme ( or it will have been contracted out at some point )....it's called the COPE amount.

Instead of receiving COPE amount from state her pension scheme pays at least the equivalent of the COPE amount which will be included in her monthly super ann payment.

Think I've got that right.
That sounds about right , that’s pretty much what she was told by the union guy I approached, as I’m exactly the same but not NHS though , but same situation, I’ve paid more than 35 years stamps but only get 714 every 4 weeks , but I always have received another pension since 1993 ,