About the Business

The Basic State Pension - for people who have paid sufficient National Insurance contributions while at work or have been credited with enough contributions. Additional State Pension - referred to as the State Second Pension (S2P) but before 6 April 2002, it was known as the State Earnings Related Pension Scheme (SERPS). From 6 April 2002, S2P was reformed to provide a more generous additional State Pension for low and moderate earners, carers and people with a long term illness or disability and is based upon earnings on which standard rate Class 1 National Insurance contributions are paid or treated as having been paid. Additional State Pension is not available in respect of self employed income. An Occupational Pension (through an employer pension scheme) - This could be a Final Salary Scheme (sometimes referred to as a Defined Benefit scheme) or a Money Purchase scheme (usually referred to as a Defined Contribution).

Location & Hours

3 East Church Street

Buckie, AB56 1EX
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