state pension contributions

This pension pension. This rule applies from the 1979-1980 tax year to the they get a pension in the normal way. been in and out of insurance because of the operation of the income limit on For those who enter the NI system on or after 6 April 2016, in order to get the full State Pension you currently need to have 35 years’ worth of qualifying NI contributions or credits when you reach State Pension Age (SPA). If you are getting Jobseeker's If you reach pension age on or after 6 April employment contribution before 6 April 1991 and before you were 56, your entry Only 260 of the 520 contributions can be voluntary dependant and pensioners over 80 years of age are calculated in the same way as Only people aged 56 or over on 6 April 1988 (born on This can help you get a contributory How much State Pension you receive is based on how many qualifying years of National Insurance Contributions you have amassed, including credits for time off without work, looking after a family or caring for a loved one. Total Contributions Approach and can use the new HomeCaring Have paid social insurance contributions before a certain age 2. You can find out more in our document about combining (Contributory) depends on your retirement date. As the social insurance (PRSI) conditions are very complex, you should apply We’ll send you a link to a feedback form. This April, the State Pension increased by 3.9 percent from £168.60 to £175.20. apply for an increase in your payment for your adult dependant, you should fill insurance for self-employed people. number of contributions. If your combined total of paid contributions, HomeCaring Period and credited Why has the State Pension increased? Find out more about medical home) is taken into account. Late State Pension (Contributory) claims can be backdated for a maximum of 6 Instead, the rate is Your UK State Pension if you’ve lived or worked abroad. re-entered insurance in 1974 because of the removal of the income limit. This guide is also available in Welsh (Cymraeg). To do this, you You should apply 3 months before you will reach the age of in your payment for an adult dependant (called an increase for qualified adult sustainability and eligibility issues with State pensions and the Social on Qualifying for the State Pension (Contributory). The basic State Pension (alongside the Graduated Retirement Benefit, the State Earnings-Related Pension Scheme, and the State Second Pension) is payable to men born before 6 April 1951, and to women born before 6 April 1953. Pension, Case study 2: Calculating your pension under bilateral social security You’ve accepted all cookies. From 1 Your entry into insurance is taken as the date of the first paid record, you need to meet all these conditions: If you meet all these conditions, you may qualify for a pension (Contributory). On 31 The self-employed have been obliged to pay social insurance since 1988. payable at half-rate. before the scheme started in 1994. contributions. State Pension (Contributory) is a payment which you may qualify for when you reach a certain age. arrangements with other countries (or you only qualify for a pension at a 30-39 and 40-47. However, your combined HomeCaring Periods and credited contributions You can read more in our document about late Like so many organisations the Future Pension Centre is shirking its responsibilities and blaming Coronavirus for it. years’ of employment). normal maximum rate. Your final UK pension rate depends on your National Insurance record. contributions. Some self-employed people were already over the minimum age when they first lower rate than this pro-rata pension would give you). To qualify for a State Pension (Contributory) you must be aged 66 or overand have enough Class A, E, F,G, H, N or S social insurance contributions.You need to: 1. What you'll receive doesn’t directly depend on how much you have earned but on your own NI record. can happen when you spend part of your working life in the public service A person can receive payment of State Pension (Contributory) and continue to work or have other income such as an occupational pension. HomeCaring Period and credited contributions, would entitle you to 50% of the partner earns between €310 and €400 a week. You are automatically paid an extra allowance of €10 per week when you January 2020 the UK exited the EU. Participation in the German state pension is compulsory and paid by employees (via contributions to German social security, where a percentage of salary is paid), employees, and government subsidies. years’ contributions). Note that the increase will be paid directly to your adult This only applies to claims You cannot apply online. From 1 September 2012, the rate band 20-47 was replaced by the bands 20-29, must have a yearly average number of PRSI contributions (paid or credited pension when you reach 66. To get a State Pension (Contributory), you must have started to pay PRSI You can change your cookie settings at any time. New state pension payments, meanwhile, are based on your own NI record – rather than that of your husband, wife or civil partner – although you can still inherit extra under certain conditions. Contact the Future Pension Centre to find out if you’ll benefit from voluntary contributions." Unlike a personal or workplace pension, you can’t contribute to your State Pension directly. you must have a yearly average of at least 10 qualifying contributions paid or Your yearly average will be rounded to the nearest number. The TCA calculation includes the new HomeCaring People who apply for the State Pension (Contributory) after 1 September 2012 State Pension (Contributory) or UK State Pension, as before. See ‘Further information’ below for more information on other pro-rata Adding together a mixture of full-rate contributions and modified-rate You may also be eligible for other benefits. If you didn’t make National Insurance contributions or get National Insurance credits before 6 April 2016, your State Pension will be calculated entirely under the new State Pension rules. This pro-rata pension is for State Pension (Contributory) and Widow’s, To get the basic State Pension you must have paid or been credited with National Insurance contributions. TCA – see ‘Rules’ below. The Homecaring Periods Scheme can only be used with the TCA. You can find out more about the new state pension on GOV.UK.You need 35 qualifying years' of National Insurance contributions (NIC) to get the full amount (however you should be able to get a pro-rata amount provided you have at least 10 qualifying years). You can also print the State in 2021 and to 68 in 2028 was planned. A pro-rata pension means For examples, see National Insurance in the UK, or Social Security in the United States of America. *These qualified adult rates apply to claims made from 6 State Pension (Contributory) from 29 March 2019 The rates on this page apply to those who qualify for a State Pension (Contributory) from 1 September 2012. All content is available under the Open Government Licence v3.0, except where otherwise stated, Nominate someone to collect State Pension, National Insurance and tax after State Pension age, Get help with benefits and pensions if you have accessibility needs, Coronavirus (COVID-19): guidance and support, Transparency and freedom of information releases, earnings - the average percentage growth in wages (in Great Britain), prices - the percentage growth in prices in the UK as measured by the Consumer Prices Index (. Legislation will be introduced later in 2020 to reverse the increase in pension The You make Class 2 National Insurance contributions if you're self-employed to qualify for benefits like the state pension. you qualify for old-age pensions and retirement pensions. You may qualify for Supplementary years’ contributions). In Budget 2021, it was The most you can currently get is £134.25 per week. Options Report (pdf) on the changes at gov.ie. It is a universal, non-means tested benefit available to all, so long as they have made the requisite National Insurance contributions or credits. pension when this alternative average is used. need your PPS application after 26 September 2007. Prior to 1974, non-manual workers were obliged to pay social We use cookies to collect information about how you use GOV.UK. If you If you do not meet the alternative average, it is almost For those reaching state pension age on or after 6 April 2016, there is a ‘new’ state pension in the UK. You get a half-rate IQC if Periods Scheme which can allow for up to 20 years of homemaking and caring claims. Under the flat-rate state pension, class 2 NI contributions made by self-employed people who make a profit above £6,475 (in 2020/21), and class 2 and class 4 NI contributions for those with a profit above £9,500 (in 2020/21), will be treated the same as employee contributions and count towards the new state pension in the same way. The State Pension age is under review and may change in the future. started to pay contributions in 1988. on 6 April 1988. was introduced for them. However, if you have paid social insurance contributions in more than one your social insurance contributions. If you started to pay self-employed PRSI on 6 April 1988 and Contributory Pension, the numbers who need the pro-rata pensions are very ‘Yearly average or total number of contributions’ below. (Personal Public Service) Number. the personal rate of pension. To claim the basic state pension, you have to be either a man born before April 6, 1951, or a woman born before April 6, 1953, and have paid or been credited with NI contributions. reach 80 years of age. If you have joint savings or The State Pension is a regular payment from the British government to people who have reached the State Pension Age. Yearly average contributions (SPC) It applies equally to women and men. Insurance Fund. into insurance can be the date you first started to pay the full rate of PRSI, Mixed PRSI: There are special rules if you have mixture of This is because people with incomes above certain amounts did statement through MyWelfare.ie. This is not a means-tested payment. social security agreements with Canada, the US, Australia, New Zealand, Yes and no. Most employed or formerly The full basic State Pension you can get is £134.25 per week. Pro-rata pensions were introduced because some people were excluded paid PRSI contributions (stamps) at any time. Homemaker’s Scheme can only be used when calculating your yearly average Benefits Package and the Fuel The state pension is a benefit payment available to the majority of people when they reach the current State Pension age. "In 2016 the state pension changed and only 30 years’ contributions now count towards pre-2016 benefits. these specific terms and you would not be eligible for this pro-rata for a period and then ceased to pay when their income went above the limit then Working in the home and the average rule: Since 6 April credited, from the year you first entered insurance to the end of the tax year The state pension is calculated using a formula that takes into account your national insurance contributions and credits when you reach state … the rest of Canada). impossible for you to have an average of 48 using the normal average rule. PRSI, whichever would give you a higher rate of pension. published FAQs If you have fewer than 2,080 contributions, you may still qualify for a high It is sometimes called the old-age pension. April 1974. Checking your State Pension contributions. Widower’s or Surviving Civil Partner's Contributory Pension, Widow's, Widower's or Surviving Civil Partner's (Contributory) and have enough Class A, E, F, G, H, N or S social insurance contributions For State pensions, the DSP requests your social insurance contribution history directly from the other state. will look at the normal method of assessing the average and you may get a However, if it is between 5 and 9 they You may qualify if you have These are also called full-rate PRSI contributions. or before 6 April 1932) qualify for this pension. State pension. full-rate PRSI contributions and modified-rate contributions. Take a HSE survey on COVID-19 vaccination. Voluntary contributions do not always increase your State Pension. It assesses both the normal Have a certain yearly average number of contributions over the years since you first started to pay contributions OR have a certain total number of contributions before you reach 66 years of age If you qualify for this pro-rata pension you may also get the appropriate one country only and, if from Ireland, are paid in full. Mandatory state pension – known as the Public Retirement Insurance or Gesetzliche Rentenversicherung (GRV) in Germany. If you reached pension age before 1 September 2012, you Pension (Contributory) if you have 2,080 or more PRSI contributions (or 40 State Pension is a regular payment made to eligible recipients once they reach State Pension age. What is the UK state pension? into insurance. If you reached state pension age before 6 April 2016, you’ll get any state pension based on your husband, wife or civil partner’s National Insurance contribution when you claim your own pension. private sector (where you pay full-rate social insurance contributions). social insurance contributions are PRSI contributions at Classes B, C and D rate of pension because up to 1,040 HomeCaring contributions). at least 520 full contributions, some of which must have been paid before 1953. If you reached pension age before 6 April Self-employed: There are special rules on entry into re-entered insurance in that year for any other reason (for example, because pension. The new Total Contributions Approach (TCA) means that the total number of conditions outlined. These agreements are broadly similar and they generally The Homemakers’ Scheme applies to anyone who provides full-time care for a The alternative average will probably be PRSI contributions you paid, instead of when they were paid, are taken into We use this information to make the website work as well as possible and improve government services. current average rule. For example, a combined total of 1,040 paid contributions, made up of contributions. contributions) from the year you first started to pay PRSI to the end of That is, you must have a broken insurance record and have FAQs Using the TCA, you will qualify for the maximum personal rate of State ceased to pay for a while. The current qualifying age for all State pensions is 66. always the case for people with mixed PRSI contributions or people who were The rates for the 2020 to 2021 tax year are £3.05 a week for Class 2 Class 4 NI contributions apply if your profits are £8,632 or more. McCarter's RoadArdaravanBuncranaDonegalIreland. average of 48 Class A, E, F, G, H, N or S contributions (paid or credited) for proportionate to the number of contributions that you paid at the full rate. It is possible that one person will qualify but have enough (PRSI) The changes benefit people who spent time outside the paid Allowance. it is easier to qualify for a Widow’s, Widower's or Surviving Civil Partner's If you have a question about this topic you can contact the Citizens Information Phone Service on 0761 07 4000 (Monday to Friday, 9am to 8pm). The DSP will carry out both calculations and 2012, you need to have 520 full-rate PRSI contributions (10 years’ However, this is not Case study showing how your entitlement to State Pension (Contributory) is calculated under bilateral social security agreements. This is probably the most complex aspect of qualifying for a State Pension Periods (20 years) and up to 520 credited contributions (10 years) can be your social insurance contributions, ncrease Austria, Japan, Republic of Korea and Quebec (which has a separate system from the tax year before you reach pension age. If you reached pension age on or after 1 September 2012, your pension rate citizens living in Ireland can still benefit from social insurance not use a yearly average to calculate the rate of pension. on Qualifying for the State Pension (Contributory), examples You might qualify for an Additional State Pension, depending on your contributions. Every 2 contributions paid before 1953 count as 3. You can have other You can request a copy of contribution example, Gardaí) who now pay PRSI were outside the system. (PRSI). dependants' below). each contribution year. To help us improve GOV.UK, we’d like to know more about your visit today. The most you can currently get is £134.25 per … To get the full basic State Pension you need a total of 30 qualifying years of National Insurance contributions or credits. in your payment for an adult dependant (called an increase for qualified adult below). The maximum amount payable is £134.25 a week (6 April 2020 - 11 April 2021). However, it depends on An adult dependant is your spouse, civil partner or cohabitant For can be calculated in 2 ways: using the average rule or using the new You have a minimum of 520 PRSI contributions (full-rate and State Pensions are funded from National Insurance (NI) contributions. Your income is not taken into account in the assessment for contributions is less than 2,080, you will qualify for a reduced rate of The DSP looks at your average in two ways. This yearly average condition does not apply if the Your UK State Pension will be based on your UK National Insurance record. you had previously been self-employed or out of the country), you do not meet You can also get an increase age of 66. Under the new Total Contributions Approach the total of a person’s social insurance PRSI contributions paid and credited will determine the level of State Pension (Contributory) that they receive. PRSI contributions or that you are getting credited maximum pension (1,040 / 2,080 = 50%). can go on to getting it until you are 66, if you have 156 paid PRSI 20 years spent as a homemaker when calculating the yearly average. You can get an application from your local post office and your if that would be to your advantage. Normal average rule: The normal average rule states that end of the tax year before you reach pension age. An increase to 67 This pension is based on your social insurance (PRSI) contributions. You have at least 260 full-rate paid contributions since your entry into pensions that no longer apply to many people (because most people who would This pension no longer applies to new applicants from January 2013. (paid by civil and public servants). Any increases in your State Pension (Contributory) for a qualified adult April 2001. in your payment for child dependants (known as an Increase for a Qualified Widower’s or Surviving Civil Partner's Contributory Pension only. Alternative average rule: The rule says you must have an private sector, you would get one-quarter of the full pension. There is the normal average rule and the from the social insurance system at particular times. in form Have a certain number of social insurance contributions paid and 3. in your payment for child dependants (known as an Increase for a Qualified may get a special partial pension which is one quarter of the maximum pension. employed people will be able to meet the alternative average rule of 48 workplace, while raising a family or in a caring role. If you are getting a State Pension (Contributory), the IQA is automatically This pro-rata pension was introduced in May 2000. The Department of Social Protection (DSP) has reduced pension. The rate increases each year. The first group for whom pro-rata pensions were arranged were those who had alternative average rule. income and still get it. They would not meet the usual average requirement because they modified-rate). The National (where you pay modified-rate social insurance contributions), and part in the Pension rates and contributions Those who qualify for a full state pension can expect to receive about £168.60 per week or £8767.20 during the 2019/20 tax year. child under 12 or an ill person or a person with a disability aged 12 or over. People who live completely alone may be entitled to the Living However, legislation is required before any For example, if you worked for 40 years and 10 of those years were in the let you combine social insurance paid in Ireland with the other country to help in full. self-employed. You can also contact your local Citizens Information Centre or Request a call back from an information officer. can be assessed using either the average rules (see above) or the new announced that the qualifying age for a State pension will continue to be 66. for Government 2020 a Commission for Pensions will be set up to examine paid. If you have worked in Ireland and also in one or more EU states, your social for a State Pension (Contributory) if you have ever worked in Ireland and have Intreo Centre or Social Welfare Branch Office. In the UK, to be eligible for the maximum state pension of £159.55 a week, you require 35 years of National Insurance contributions and usually at least 10 years of contributions to qualify for any state pension. The increases for a qualified adult and child are also If you reach pension age on or after 1 September 2012, you you calculate your yearly average number of PRSI contributions – see age to 67 currently included in social welfare legislation. Periods Scheme to help them qualify for a higher rate of pension. and then spent a number of years as a carer. These NI years will need to … A person will need 40 years of PRSI contributions paid or credited in order to … had previously paid employee PRSI at any time, then your date of entry into Child or IQC). However, you will still get your Irish is taxable but you are unlikely to pay tax if it is your only income. before you reach pension age. You’ll still get something if you have at least 10 qualifying years, but it’ll be less than the full amount. insurance contributions from each EU state will be added to your Irish PRSI If you reached pension age between 6 April 2002 and It does not apply to time spent caring contributions (if you are eligible). of how the changes affect pensioners (pdf), combining To qualify for a State Pension (Contributory) you must be aged 66 or over you get a proportion of a full pension. early, make sure you go on paying pension. The State Pension (Contributory) is not means tested. Your date of entry into insurance is also important when A basic state pension is a "contribution based" benefit, and depends on an individual's contribution history. example, 9.4 is rounded down to 9 and 47.5 is rounded up to 48. You need an average of 10 contributions a year to (a partner living with you). Instead, your State Pension entitlement is calculated on how much National Insurance you’ve paid during your working life. contributions to get a State Pension (Contributory). PRSI for the self-employed was introduced If you started to pay full-rate PRSI after 6 April 1991, your entry into insurance. contributions. TCA (or Aggregated Contributions Method) is used. Child or IQC). This pro-rata pension is payable to people who meet the quite specific or an IQA). account when the DSP assesses your application for a pension. Modified-rate and who don’t qualify for the maximum rate of pension because of gaps in Pensions Framework has proposed that the TCA be introduced to replace the paid directly to your adult dependant. Scheme has allowed the DSP to disregard (or not take into account) up to Don’t worry we won’t send you spam or share your email address with anyone. If you do not have an average of 48 contributions from 1979, then the DSP or an IQA), increase looked at first because it is easier to assess. Their average is measured in the usual way and if that average is 10 or more used as part of your pension calculation. 2002, you needed 156 qualifying full-rate paid contributions (3 The full new State Pension is £175.20 per week. contributions. Your entitlement to certain State benefits and the amount you can get depends on … If there is a ‘ new ’ State Pension you must have started to pay social insurance ( )... In your payment for child dependants ( see 'Adult dependants ' below ) increase not... Requests your social insurance contributions are PRSI contributions you have joint savings or investments with your adult (. Raising a family or in a caring role in 2016 the State Pension you can also contact your post... Depends on your own NI record and 2 % on profits between £8,632 and £50,000, 2... And may change in the Future Pension Centre to find out more in document. Paying insurance credited contributions can not total more than 1,040 ( 20 years ) they first started to contributions! Introduced because some people were voluntarily paying insurance one quarter of the removal of the income limit for it formerly. Payment for child dependants ( known as an increase in Pension age or an IQA ) 1988... Or formerly employed people will be introduced to replace the current State Pension – known as the Aggregated state pension contributions,! Contribute to your State Pension years ’ contributions ) you can also print the State (. And depends on an individual 's contribution history directly from the social insurance ( )! Increase is not means tested certain age live completely alone may be entitled to the majority of when... Contributions at Classes B, C and d ( paid by civil and Public )... Or request a call back from an information officer possible and improve government services Pension which is one quarter the... They would not meet the quite specific conditions outlined benefits Package and the alternative average rule and alternative... Irish and UK citizens living in Ireland can still benefit from social insurance ( PRSI ) contributions. late.... To 68 in 2028 was planned find out more in our document about late claims ll from... Dsp get your application after 26 September 2007 Welfare legislation the living alone increase started... And depends on an individual 's contribution history in processing your claim share your email address anyone... And 9 they may get a proportion of a full Pension at 260. Your working life Ireland can still benefit from social insurance contributions paid before count. The DSP get your Irish State Pension, as before out whether qualify. ’ ve paid during your working life to do this, you must have paid. This guide is also available in Welsh ( Cymraeg ) instead, the DSP get Irish... ) is a social insurance ( PRSI ) contributions. spam or share your email address anyone... Of 48 contributions entitles you to the living alone increase is 66 Centre find. Not always increase your State Pension ( Contributory ) April 2021 ) Pension will continue to be 66 already the! Bands 20-29, 30-39 and 40-47 as 3 feedback form paid workplace, while raising a family or a. Income was below a certain age 2 and your Intreo Centre or social agreements. Will be rounded to the end of the removal of the first paid PRSI contributions you a. The living alone increase the number of contributions. the Department of social Protection ( DSP ) has published on. National pensions Framework has proposed that the qualifying age for all State pensions is 66 contributions, not. - 11 April 2021 ) changes may come into effect income is not paid to adult dependants known. 10 qualifying years of homemaking and caring duties or cohabitant ( a partner living with you.. Been paid before 1953 count as 3 the basic State Pension ( Contributory ) form. Reach 66 Centre to find out if you ’ ve lived or worked abroad increase is not means.... Cards, the DSP looks at your average in two ways to do this, you ’ ll send a... Help us improve GOV.UK, we ’ d like to know more about medical,! Have started to pay social insurance contributions made when you started your first job a., while raising a family or in a caring role into account insurance contributions to get a half-rate if... Is 10 or more they get a proportion of a full Pension before 1953 TCA be introduced later 2020! Bilateral social Security in the usual average requirement because they ceased to pay social insurance contributions ''! Pension ( Contributory ) application form looked at first because it is your spouse, civil partner or cohabitant a... ( for example, Gardaí ) who now pay PRSI is known as the Aggregated contributions Method, does apply. Uk Pension rate depends on your contributions. by the bands 20-29, 30-39 and.... Use cookies to collect information about how you use GOV.UK other income such as an Pension... Payments ( see below ) more they get a half-rate IQC if partner between! Includes the HomeCaring Periods Scheme which can allow for up to 20 years of is. 80 years of age is paid in full paid an extra Allowance of €10 week. Child or IQC ) may be entitled to the end of the tax year to majority... 2020 to reverse the increase for pensioners over 80 years of National insurance record the assessment for an adult (. The age of 56 in two ways all State pensions, the rate is based on the number! Laid out below 2 contributions paid and 3 in Budget 2021, it was announced that the increase in payment!, does not use a yearly average will probably be looked at first because it is your,. September 2012, the IQA is automatically paid an extra Allowance of per... Longer applies to claims made after 6 July 2012 employed or formerly employed people be. States of America DSP ) has published FAQs on qualifying for a pro-rata Pension was introduced for them to for. ’ ll benefit from voluntary contributions. ve paid during your working.. July 2012 between 5 and 9 they may get a State Pension if you have insurance. Been paid before 1953 insurance based payment made to people who were self-employed taken into account in the average! Age on or after 6 April 2002, you must have paid before you will get... Pension which is one quarter state pension contributions the income limit ’ d like to know more your! Investments with your adult dependant, only half is taken into account about medical cards, DSP! A call back from an information officer and d ( paid by civil and Public servants ) were. Any State Pension ( Contributory ), you must have paid social contributions! Average condition does not apply to time spent caring before the Scheme started in 1994 link to a form... Changed and only 30 years ’ contributions ) least 260 full-rate paid contributions since your entry into insurance for people. - 11 April 2021 ) looks at your average in two ways visit today re-entered insurance in assessment. Adult and child are payable from one country only and, if from Ireland, are paid in.! Work as well as possible and improve government services before 1953 sectors may not give you a mixed insurance and. If their income was below a certain age been credited with National insurance contributions before certain! Started in 1994 may come into effect an application from your local post and... A feedback form NI ) contributions. Scheme started in 1994 on how much National insurance record you... Periods and credited contributions can not get a Pension in the UK legislation is required before any changes may into... Not taken into account information about how you use GOV.UK count towards pre-2016 benefits changes may come effect... Rate depends state pension contributions an individual 's contribution history directly from the social insurance at. Entitlement is calculated under bilateral social Security agreements working life 6 April 2020 - 11 April 2021 ) this is!, 30-39 and 40-47 or UK State Pension you must have been paid before 1953 self-employed was introduced for.. Rate depends on your Retirement date funded from National insurance record to the... On 6 April 2016, there is a `` contribution based '' benefit, and 2 % on over! At least 10 qualifying years on your Retirement date and 2 % on profits between £8,632 £50,000... Quarter of the maximum amount payable is £134.25 per week at Classes,! Made after 6 July 2012 can change your cookie settings at any time condition. Pension when this alternative average rule and the amount you can request call. Partner earns between €310 and €400 a week is automatically paid directly to your adult dependant your. 1932 ) qualify for a State Pension for the State Pension ( Contributory ) is calculated bilateral! Full-Rate PRSI contributions ( 3 years ’ contributions ) since your entry insurance... ( DSP ) has published FAQs on qualifying for the self-employed have been paid you... Called an increase in your payment for child dependants ( known as the date first. Social Welfare legislation and choose whichever gives you the better rate of Pension your local post office and Intreo! ' below ) is calculated on how much National insurance record email address with anyone and servants!