the state second pension (serps and s2p)

Many people will receive an additional pension from the state on top of the basic retirement pension. This is also called the State additional pension or S2P; until 2002 it was known as SERPS.

• What is the State Second Pension?  more...
• What is a graduated pension?  more...
• What is SERPS?  more...
• How is SERPS calculated?  more...
• Can my SERPS pension be passed on to my spouse if I die?  more...
• Now that SERPS has ended what has replaced it?  more...
• What does 'opting out' or 'contracting out' of S2P or SERPS mean?  more...
• Should I opt out, or opt back in, to S2P?  more...

further information