Full state pension isn't a given. I know, it's a shock, but the amount you receive will depend upon your National Insurance record. So, while you may be sitting back and dreaming of retirement with the assumption of the amount you'll get in state pension, don't get too comfortable just yet - it may not be as much as you thought. Don't panic yet, though, there is an easy way to check.
While the full new state pension is currently £185.15 per week, although if you reached your state pension age before April 6, 2016, you'll get a different amount, not everyone in the UK is entitled to the full amount. If you are coming up to retirement, or are just interested in how much you might get based the amount of National Insurance you've already paid, then it is time to get a forecast.
Anyone can get a state pension forecast and the benefit of doing this is that if you haven't made enough contributions to qualify for the full Department for Work and Pensions (DWP) pension, you may still have time to make up the difference. Of course, depending upon how many working years you have, this may or may not be beneficial for you. Always take professional financial advice.
