The Government has been criticised for leaving pensioners in a state of “total confusion” about why some are not receiving the full state pension. The new flat rate state pension, which is £159.55 a week for this tax year, was introduced in April 2016 and is available to anyone who has built up 35 qualifying years’ worth of National Insurance credits.
The reason is often because they were contracted out – sometimes without their knowledge – at some point in their career. This meant they paid a reduced rate of national insurance in exchange for a lower state pension.
People who paid NIC's were not told at the time that if they were contracted out without their knowledge it would cost them income in later life.
Many people who chopped and changed jobs would find it impossible to even find out as over the course of forty years firms with merge, close down or go bust. Trying to find out anything would be pretty much impossible.
Elizabeth Anderson of the iPaper has done an excellent article on this. Click here to read more: 
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