Long time off for most readers on here I think but I have been told that I won't receive the full state pension because I will be in receipt of a Forces Pension (if I complete the required engagement)

Is this really so ? Seems v.unfair as I have paid my fair share of tax & NIns on my wages earned, does anyone have any info on this ?

If I had been out of work and not paid any contributions I get the full rate but if I get a pension (which I will have earned) I don't..

Sounds barking to me.
If you have paid the correct amount of National Insurance required you will get your state pension.
I was at the Financial briefing (Financial Aspects of Resettlement) mid last year.

damn right you will still get a state pension, as long as you have paid up 'full stamp' which I think is about 32 years of NI contributions. Obviously exact;y WHEN you will get it is a different kettle of fish, seeing as how the Govt have changed the goalposts. I will get mine aged 67 (if I live that long) having checked it out.
I get both, only snag is that the state pension takes up roughly all your personal income tax allowance so you get taxed on every penny of your 'occupational pension.'

There is a government site that sets out the pension details and, when you are about 6 years away from receiving state pension, you can send them a form and they will give you a forecast of the state pension you will recieve.
The link is here: http://www.thepensionservice.gov.uk/atoz/atozdetailed/occupational.asp

I have left it on the section dealing with occupational pensions, but if you have a look around the site there is a lot more to be found out.

Best of luck!


Here is an answer I gave some time ago:
The Social Security Pensions Act 1975 introduced SERPS. The AFPS contracted out from SERPS but, by law, had to pay a pension benefit at least as good as that paid out under SERPS. This amount is known as Guaranteed Minimum Pension (GMP).
When you claim your State benefits from the Department of Work & Pensions (DWP) will advise Paymaster (who will pay your pension) how much of your pension is the GMP amount. This is not an additional amount but part of your existing pension. The DWP then become responsible for that part of the increase on your GMP with your state benefits. The addition will be shown on the statement you receive annually from the DWP (DWP may refer to GMP as Contracted Out Deductions [COD]). Paymaster must allow for this when calculating the increase on your pension to avoid you receiving an increase on the same amount of GMP twice.
The GMP may be in two parts, for the period 5 April 1978 to the date you left the Armed Forces (or 5 April 1988 whichever is the earlier) and for the period 6 April 1988 until the date you left the service (or 5 April 1997 whichever is the ealier). Paymaster will increase the part of the GMP that was earned AFTER 5 April 1988, and pay this with your Armed Forces Pension (AFP) but only up to a maximum of 3% . Any increase above 3% and ALL the increase on the GMP amount earned BEFORE 6 April 1988 is paid by the DWP with your State benefits.
However, a further change in the law (Pensions Act 1955) means Paymaster will pay the increase in full on all benefits earned after 5 April 1997.'
ok then, so then it appears my military pension is reduced rather than my OAP - net result is the same.

Thanks to all for your help.

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