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Important information about your State Pension

This should be read in conjunction with your State Pension forecast

The "Current State Pension" estimate is based on your National Insurance record at the date of the forecast.
The "Future State Pension" estimate is based on the assumption that you will pay, be treated as paying or be credited with full-rate National Insurance contributions from the date of the forecast until you reach State Pension age. If, for any reason this assumption is wrong, the estimated amount could be too high.
If you are a married woman who has chosen to pay the reduced-rate of National Insurance - sometimes called "the small stamp" - your "Future State Pension" amounts are based on the assumption that you will continue to pay reduced-rate contributions.
The amounts shown are based on the current State Pension rules and the rates in payment at the time of the forecast. They do not take into account any future changes to State Pension rates or to the law relating to State Pensions that may occur before you reach State Pension age.
The Government is reviewing the current timetable for increasing the State Pension age from 65 to 66. No decision has yet been made as to how this timetable will change. Any change would require the approval of Parliament.
You may be able to pay voluntary National Insurance contributions for certain years. See 'Your pension statement explained' leaflet for further details
Your basic State Pension may be more than the amount shown. This is because the Government have announced a "triple guarantee" about how it will increase the basic State Pension in the future. From April 2011, basic State Pension will be increased every year by the higher of the growth in earnings, prices, or 2.5%. This only applies to the basic State Pension. This does not apply to the additions to State Pension.
From 6 April 2012, if you are a member of a contracted-out defined contribution pension scheme (also called a money-purchase scheme), you will cease to be contracted out and may start to build up additional State Pension instead. This change does not affect the estimated "Current State Pension" amount shown. However, if you are currently in a contracted-out defined contribution pension scheme, the amount of additional State Pension included in the "Future State Pension" does not include any further additional State Pension you may build up from 6 April 2012 because you are no longer contracted out. Pension forecasts will reflect this change when National Insurance records have been updated.
The amount of additional State Pension you actually receive at State Pension age may be different from that shown in your forecast, especially if you have been or remain a member of a contracted-out pension scheme.
Sometime between 2012 and 2015, additional State Pension will gradually become a simple, single-rate weekly top-up to the basic State Pension.
If you receive more than one State Pension forecast, do not add the amounts together. Always use the more recent forecast you have received.
The amounts do not include any other income your household may get from income-related benefits such as Pension Credit.
If you think any of the information in the forecast is wrong, tell the DWP by telephoning 0845 3000 168

The leaflet 'Your pension statement explained' (CP5) gives more information about your State Pension.

Related links

Wiltshire Pension Fund, Wiltshire Council - Bythesea Road,Trowbridge, Wiltshire, BA14 8JN.
© 2009 Wiltshire Pension Fund.

www.wiltshirepensionfund.org.uk

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State pension information

Important information about your State Pension

This should be read in conjunction with your State Pension forecast

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