Changes to contracting out from 6 April 2016

Contracting out of the additional State Pension ended on 6 April 2016. Find out what will happen if you have been contracted out, how to check if you were contracted out and what professions are more likely to be contracted out.

This information is for a man born on or after 6 April 1951 or a woman born on or after 6 April 1953


Contracting out ended on 6 April 2016. If you were contracted out:

  • you will no longer be contracted out
  • you will pay more National Insurance (which will be the standard amount of National Insurance)

Check if you were contracted out

Ask your employer if you were contracted out. Your payslip up until March 2016 might show if you were contracted out. Look for the letter D or N in the National Insurance contributions line. The letter A means that you were not contracted out.

If there is a different letter ask your employer or pension provider.

You’re more likely to be contracted out if you work in public sector organisations and professions such as:

  • health and social care
  • local councils
  • fire service
  • civil service
  • teaching
  • police force
  • armed forces

Guidance for employers and employees

To help employers and employees, guidance is available on the GOV.UK website.

References in the guidance to the Pensions Act 2014 should be taken as including references to the Pensions Act (Northern Ireland) 2015.

You can find out more about the new State Pension or workplace pensions, including defined benefit pension schemes, at the following pages.

More useful links

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