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.


Useful contacts for anyone who was contracted out