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#1027418 - 22nd Dec 2016 2:03pm Pensions
fish5133 Online   content
Forum Master

Registered: 22nd Mar 2010
Posts: 2726
Loc: Heswallish
If like me your ignorant/confused of the whole NI/pension process, opting in opting out serps etc etc then you might find this Government link useful as you can check all your NI records and future pension. You will need to register with them and get user name etc.

https://www.tax.service.gov.uk/check-your-state-pension

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#1027421 - 22nd Dec 2016 5:28pm Re: Pensions [Re: fish5133]
Excoriator Offline
Wise One

Registered: 21st Jan 2010
Posts: 791
Loc: wirral
The state pension is brilliant and bureaucracy-free. All it took was a single 30-second phone call to get my state pension paid into my bank.

What a contrast with the various company pensions I'd accumulated over the years. Most of them for small amounts, but still... None of them could give me an accurate forecast like the state one does. I had about seven or eight of these and every one required a form to be filled out and submitted along with my birth certificate (No. It can't be a copy. It has to be the original!) and they were all very S.L.O.W to send it back so it could be sent to the next one. Be prepared if you are in the same position as I was. Obviously you need to prioritise with the biggest first.

I often smile when I read of 'state bureaucracy' My experience is that it is the private companies that rejoice in forms and procedures. I had the same experience with private medical care. Before the doctor could even say 'Good morning' I had to have an authorisation code for a consultation from the insurance company and it got worse as treatment was needed. There were arguments between doctor and insurance company about the cost, and whether the treatment was to be allowed etc. etc. Awful! It's the last thing you need if you are unwell or worried. You get none of this at the NHS.

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#1027435 - 22nd Dec 2016 10:00pm Re: Pensions [Re: fish5133]
diggingdeeper Offline

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Registered: 9th Jul 2008
Posts: 9674
Loc: Birkenhead
Sad thing about the state pension has been the life-changing changes they have made to it at pretty short notice.

The latest scheme has not yet been finalised yet it started earlier this year - this creates an additional hazard of people being over-paid and having to make repayments.

Its been over two years that I have been trying to get a state-pension forecast and I still haven't managed to obtain one.

There are a lot of traps, there are loads of people that made voluntary contributions to pension schemes but have gained very little (or even nothing).

The national insurance credits system desperately needs to be re-vamped, I lost one years credit due to one single day missing thanks to an administrative mistake - fortunately I noticed and was able to have it corrected albeit it took a lot of messing around over a number of months. Credits should be done on a weekly or monthly basis.

My expected state pension (subject to them sorting out the rules) has halfed in the last two years. Pensions are supposed to be a life-long planning but massive changes at short notice make this a farce. The Government are supposed to maintain stability not increase instability.

Building a bigger soapbox for my next outburst on the subject.
_________________________
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates

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#1027445 - 22nd Dec 2016 10:35pm Re: Pensions [Re: fish5133]
snowshoes Online   content

Veteran

Registered: 16th Aug 2010
Posts: 711
Loc: ottawa canada ( formerly new b...
Sorry that you are having such a hard time DD.
I made voluntary contributions for about 10 years and have had
no problems.

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#1027462 - 22nd Dec 2016 11:44pm Re: Pensions [Re: fish5133]
venice Offline

Forum Master

Registered: 21st Jul 2011
Posts: 2498
Loc: Wirral
And the Government wonders why so many people shy away from entrusting their hard earned money into pensions.

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