Contracting out

Contracting out of state second pension (S2P)

  • What 'contracting out' means, and how to find out if you are contracted out or not
  • The options explained; including defined benefit (DB) and defined contribution (DB) pensions
  • How 2012 rule changes will affect those in a defined contribution (DC) pension scheme

What's in this guide

What contracting out means

State additional pension (S2P) and contracting out

Am I contracted out?

It's important to be clear about whether or not you're contracted out.

Contracting out in the the 1980s

The growth of contracting out - and why it offered individuals a poor deal.

Contacts

Useful contacts for anyone who was contracted out

Which Ltd is an Introducer Appointed Representative of Which? Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Which? Mortgage Advisers, Which? Insurance Advisers and Which? Money Compare are trading names of Which? Financial Services Limited.