Prior to April 2016 State Pension provision was made up of two elements:
Your Basic State Pension; and
An additional earning related pension known as the State Earnings-Related Pension Scheme (SERPS) and subsequently the State Second Pensions (S2P).
The Plan was Contracted out of SERPS. This means you did not build up any SERPS or S2P entitlement whilst an active member of the Plan. Instead the Plan is required to pay you a minimum level of pension from age 65 (age 60 for women). This minimum pension is known as your Guaranteed Minimum Pension (GMP) and forms part of your Plan pension.
From 2016, contracting out ceased and the Government introduced a new State Pension.
From April 2016, the Government has introduced a new flat-rate pension. Further information on the new State Pension can be found at www.gov.uk/new-state-pension
For queries relating to your State benefits, you can contact The Department for Work and Pensions (DWP).
The Pension Service 9,
Mail Handling Site A
Telephone: 0345 3000 168