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hi I am 55 this year and not sure what I need to do...I opted out of serps when it very 1st stated late 70's I believe..I carried on receiving top ups from my national insurance until I started working for royal mail from 2003 when these NI contributions stopped.....what effect will this have on my state pension and can I withdraw a lump sum from this or not..i hope you understand what im trying to say..cheers paul
Sorry guys if this is in the wrong area, In late eighties, like many other i opted out of SERPS with Brittanic assurance, I am currently getting plagued by companies saying i may have been mis sold the option of opting out of serps, also that i can "free" up the pention now i am tha all people were opted back in by the government. What are my real options guys, i have an inbuilt mis trust of companies who are trying to get my money lol