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
- 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.
- New State Pension: information for employers and trustees with open, contracted-out defined benefit pension schemes - GOV.UK website
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