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Below is a list of the most common customer questions. If you can’t find an answer to your question, please don’t hesitate to reach out to us.
What is protected payment on state pension?
If you start with more than the full new State Pension, the difference between your starting amount and the full new State Pension is called your 'protected payment'. Your protected payment is paid on top of your new State Pension.
What is protected payment?
Protected Payment Where someone was already entitled to a state pension in excess of the full flat rate as at April 2016, they can receive a higher rate of pension. Any excess above the flat rate is called a 'protected payment'.
What is protected pension payment?
Your protected payment is the part of your starting amount which is above the full new State Pension and is paid on top of the full new State Pension.
How many years NI contributions are needed for a full pension?
Under these rules, you'll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. You'll need 35 qualifying years to get the full new State Pension. You'll get a proportion of the new State Pension if you have between 10 and 35 qualifying years.
Do I need 30 or 35 years NI contributions?
Workers needed to have 30 years of qualifying National Insurance contributions to get the old state pension, but they now need to have 35 years of contributions to get the new flat rate state pension.
How much is the state pension for a woman?
The full basic State Pension is £125.95 a week. If you have fewer than 30 qualifying years, your basic State Pension will be less than £125.95 per week, but you might be able to top up by paying voluntary National Insurance contributions.
How much is the full flat rate state pension?
For 2019/2020 the old state pension pays £129.20 basic plus an average of £40 additional pension (sometimes known as state second pension) per week. The new state pension pays a flat rate of £168.60 plus any 'protected payments'. Nobody who qualifies should receive less under the new rules than under the old rules.
How many years NI do I need for a full pension?
Under these rules, you'll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. You'll need 35 qualifying years to get the full new State Pension. You'll get a proportion of the new State Pension if you have between 10 and 35 qualifying years.
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