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Re: DWP

Posted by Dilly on Fri, May 13 2022 at 06:42 AM CDT:

In Reply to: Re: DWP posted by Brian Marjoram on Thu, May 12 2022 at 09:12 AM CDT:

: Dilly
: The Army pension Scheme when we joined was ‘Contracted out’, contracting out was a system where people who were members of a defined benefit occupational pension scheme could pay a lower rate of National Insurance Contributions. Basically, it meant that you did not pay the element of NI which was destined for the SERPS/Additional State Pension. So all through your service, you and the MOD would have been paying less towards NI than people who were not on defined benefit pension schemes. You were promised a certain amount of pension in place of the additional state pension you were giving up.
: You’ll find that the armed forces are not alone on this. Public sector and police pensions are also examples of ‘contracted out’ schemes. The thing is, you would have had no choice about this if you wanted to be part of the pension scheme.

Brian
Thank you for that. I think I knew the first part of that from dealing with DWP 10 years ago.
But I was not aware that allegedly i paid / people paid a lower NI. Contribution. How on earth now can I check that . To my knowledge I paid the going rate.
How also am I payed a lower state pension than another soldier .
Both served full time yet he is about Ł100 per month more pension than me.
I paid as far as I am aware the normal tax bands throughout my working life.no lower rate there.
Appreciate your comments.

Follow Ups:

Re: DWP Brian Marjoram Sat, May 14 2022 at 02:18 AM CDT (2)
- Re: DWP Dilly Sat, May 14 2022 at 08:10 AM CDT (0)
- Re: DWP Dilly Sat, May 14 2022 at 07:02 AM CDT (0)
Re: DWP martyn burgess Fri, May 13 2022 at 07:20 AM CDT (0)

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: : Dilly : : The Army pension Scheme when we joined was ‘Contracted out’, contracting out was a system where people who were members of a defined benefit occupational pension scheme could pay a lower rate of National Insurance Contributions. Basically, it meant that you did not pay the element of NI which was destined for the SERPS/Additional State Pension. So all through your service, you and the MOD would have been paying less towards NI than people who were not on defined benefit pension schemes. You were promised a certain amount of pension in place of the additional state pension you were giving up. : : You’ll find that the armed forces are not alone on this. Public sector and police pensions are also examples of ‘contracted out’ schemes. The thing is, you would have had no choice about this if you wanted to be part of the pension scheme. : : Brian : Thank you for that. I think I knew the first part of that from dealing with DWP 10 years ago. : But I was not aware that allegedly i paid / people paid a lower NI. Contribution. How on earth now can I check that . To my knowledge I paid the going rate. : How also am I payed a lower state pension than another soldier . : Both served full time yet he is about Ł100 per month more pension than me. : I paid as far as I am aware the normal tax bands throughout my working life.no lower rate there. : Appreciate your comments.

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