The Government gives

Your entitlement will fall under the Government’s old State Pension arrangements which are made up of:

• Basic State Pension
• Additional State Pension (State Second Pension (S2P) (previously known as the State Earnings Related Pension Scheme - SERPS))

You will be entitled to the Basic State Pension provided you have paid sufficient National Insurance contributions over your working lifetime.

Depending on your individual circumstances, you may also be entitled to the S2P.

However, NAPS was contracted out of the S2P. This means both you and BA paid a lower rate of National Insurance contributions and will not therefore have built up this additional state pension. Instead, NAPS must guarantee that your NAPS pension will be at least equal to what you would have received in Additional State Pension when you reach your State Pension Age.

A single State Pension replaced the old State Pension arrangements for individuals reaching State Pension Age after 5 April 2016. You will need at least 10 qualifying years (years in which National Insurance (NI) contributions have been paid or NI credits received) to receive any new State Pension, and for the full amount you will need 35 qualifying years.

• Your NI contribution history before 6 April 2016 will count towards your new State Pension. At 6 April 2016 your ‘starting amount’ will be the higher of the amount you would get under the previous State Pension arrangements or the amount you would get if the new State Pension had been in place at the start of your working life
• Your starting amount will include a deduction for the time you were in NAPS because NAPS was contracted out of the additional state pension and can provide a higher pension. You will build up additional new State Pension on top of your starting amount if you are eligible to pay National Insurance (NI) contributions or secure NI credits after 5 April 2016.