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How is protected payment calculated?
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. Any qualifying years you have from 5 April 2016 won't add more to your State Pension.
What is a 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.
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 many years do you have to work to get a full pension?
To get the full amount of new State Pension, you'll need to have 35 years' worth of National Insurance contributions or credits (known as qualifying years) during your working life.
Can I stop paying National Insurance contributions after 35 years?
No, your pension will not reduce. If you are reaching state pension age after April 2016, you will receive the full amount if you have contributed or received credits for national insurance for 35 years. The exception is if you have been contracted out through a workplace pension scheme during your career.
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.
Can I stop paying National Insurance after 35 years?
No, your pension will not reduce. If you are reaching state pension age after April 2016, you will receive the full amount if you have contributed or received credits for national insurance for 35 years. The exception is if you have been contracted out through a workplace pension scheme during your career.
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