The state pension is fairly straightforward these days, you pay 35 years full years of qualifying national insurance contributions and you get the full amount.

But things were a lot more complicated prior to 2016 where there was a 2 tier system. This causes a lot of confusion so in this video I am going to explain all about the obscure acronyms like SERP and COPE and most importantly help you work out what your state pension will be or if you are already past state pension age, it will help to explain why you get the amount that you get.

To book a free call with me go to the link below

[https://diannesullivan.co](https://diannesullivan.co/)

Where to check your state pension record

https://www.gov.uk/checkstatepension

timestamps
0:00 intro
0:51 what was contracting out?
2:30 contracting out of a DB scheme
2:54 contracting out of a DC scheme
3:33 what were protected rights?
4:35 what does it mean for my state pension?
6:20 will I receive the COPE amount?