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  • Shortfall in state pension due to Contracted out deductions

    I have been chasing why my new state pension is low. Rang HMRC and was informed that I have three separate periods that show contracted out deductions. During my last employment before retiring I had two previous pensions added to the last one and when I did this the pensions authority made all three contracted out. I contacted my first employer and was told during those years I paid full Category D contributions, contacted the latter and was told that as a matter of course when pensions were amalgamated into one they made them contracted out. I now have written confirmation that I paid full contributions, during 1988-1994 surely I can reclaim the missing years. Hope this makes sense. Any advice will be great