Protected Rights

Protected Rights













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  Welcome to The Complete Pension Guide 2017!


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Protected Rights

This is the pension benefit from a money purchase scheme which has been built up as a result of being contracted out of the State additional pension – be it the State Second pension or SERPs. Instead of making National Insurance Contributions to the State additional pension, employees could get a rebate on these NI contributions which they could invest in either a personal pension or their occupational scheme. Only people who are employed can build up Protected Rights. From April 6th 2017 employees will no longer be able to be opted-out of the State additional pension.