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 state, stakeholder and private pensions

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 already contracted out.

The 1980s

We look back at the contracting out revolution - and why it's still important.

Contacts

Useful contacts should you wish to take matters further.

Which? works for you