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MKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. Click here to find out what this means to you.Click here to applyMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.Click here to applyAs you were helping with my endowment claim we started discussing SERPS. With a letter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the About uspage.Click here to applyNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! Click here for more information
Click here to applyWhat if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear - Click here to applyFor your information, the regulators of MKFP stop us making any statements which could be misleading. Before we publish the website, it is checked and any statements are confirmed in writing to the regulator.MKFP are regulated by the Ministry of Justice in respect of regulated claims management activities.Our Authorisation number is CRM3996. Our registration is recorded on the following website; www.claimsregulation.gov.uk. You can verify our authorisation by visiting this website and entering our authorisation number.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/
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http://www.serpsreviews.co.uk/401.html
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http://www.lowestcostendowmentclaims.co.uk/
http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimhttp://blog.360.yahoo.com/blog-MFfvNJw9erWXFIgOto.jFBeIGkZPKcFb0jUc0Q--?cq=1&p=6http://blog.360.yahoo.com/blog-MFfvNJw9erWXFIgOto.jFBeIGkZPKcFb0jUc0Q--?cq=1&p=5http://blog.360.yahoo.com/blog-MFfvNJw9erWXFIgOto.jFBeIGkZPKcFb0jUc0Q--?cq=1&p=4
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Friday, December 14, 2007
Serps compensation and claims
We are having a run of new clients in this Xmas period. People seem to be more concerned about Serps claims than ever.Serps will get you to our site. We do not charge you for our Serps claims work, where others will even charge you an upfront fee.We are having a winning streak with Friends Provident so if you have been opted out with FP, call us now on 0117 9501234.Its simple. The chances are if you have been opted out, then the probability is you have been missold Serps. Here is our usual criteria page, if you fall out side of these criteria, call us anyway.Serps claims and serps compensationSerps claims, Serps compensation and Endowment claims, Endowment compensationThe rest of this post is only for Search engines, it is of no help to individuals. Please visit our main site for more information SerpsSerps claimsSerps claimsSerps compensationSerpsSerps compensationSerps pensionsSerpsSerpsEndowment compensationTags Serps, serps claim, serps claims, serps pension, serps compensation, endowment claims, endowment claim, endowment, missold endowment, endowment compensation,serps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serps,endowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlsSerps claimsMore Serps claimsSerps compensationopting out of serps Serps compensationserps claims, serps claim, and serps compensationserps claimsSerps compensationMKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. SerpsSerpsMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.As you were helping with my endowment claim we started discussing SERPS. With a let Serps ter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the Serps page.SerpsNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! serpsserps What if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear -Serps For your information, the regulators of MKFP stop us making any statements which could be misleading. Before we publish the website, it is checked and any statements are confirmed in writing to the regulator.MKFP are regulated by the Ministry of Justice in respect of regulated claims management activities.Our Authorisation number is CRM3996. Our registration is recorded on the following website; www.claimsregulation.gov.uk. You can verify our authorisation by visiting this website and entering our authorisation number.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlshttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-claims.htmlhttp://serpsclaims.blogspot.com/2007/12/mkfp-have-performed-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/opting-out-of-serps.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-and-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-wednesday-28th.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_26.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-23rd.htmlhttp://serpsclaims.blogspot.com/2007/11/wednesday.htmlhttp://serpsclaims.blogspot.com/2007/11/tuesday-20th.htmlhttp://serpsclaims.blogspot.com/2007/11/saturday-17th-november.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_15.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims.html
Posted by mkfp at 12:56 AM 0 comments
Labels: serps, serps claim, serps claims, serps compensation, serps pension
Wednesday, December 12, 2007
MKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. Click here to find out what this means to you.Click here to applyMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.Click here to applyAs you were helping with my endowment claim we started discussing SERPS. With a letter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the About uspage. Serps will get you to our site. We do not charge you for our Serps claims work, where others will even charge you an upfront fee.We are having a winning streak with Friends Provident so if you have been opted out with FP, call us now on 0117 9501234.Its simple. The chances are if you have been opted out, then the probability is you have been missold Serps. Here is our usual criteria page, if you fall out side of these criteria, call us anyway.Serps claims and serps compensationSerps claims, Serps compensation and Endowment claims, Endowment compensationThe rest of this post is only for Search engines, it is of no help to individuals. Please visit our main site for more information SerpsSerps claimsSerps claimsSerps compensationSerpsSerps compensationSerps pensionsSerpsSerpsEndowment compensationTags Serps, serps claim, serps claims, serps pension, serps compensation, endowment claims, endowment claim, endowment, missold endowment, endowment compensation,serps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serps,endowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlsSerps claimsMore Serps claimsSerps compensationopting out of serps Serps compensationserps claims, serps claim, and serps compensationserps claimsSerps compensationMKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. SerpsSerpsMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.As you were helping with my endowment claim we started discussing SERPS. With a let Serps ter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the Serps page.SerpsNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! serpsserps What if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear -SerpsClick here to applyNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! Click here for more informationClick here to applyWhat if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear -Click here to applyFor your information, the regulators of MKFP stop us making any statements which could be misleading. Before we publish the website, it is checked and any statements are confirmed in writing to the regulator.MKFP are regulated by the Ministry of Justice in respect of regulated claims management activities.Our Authorisation number is CRM3996. Our registration is recorded on the following website; www.claimsregulation.gov.uk. You can verify our authorisation by visiting this website and entering our authorisation number.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlshttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-claims.htmlhttp://serpsclaims.blogspot.com/2007/12/mkfp-have-performed-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/opting-out-of-serps.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-and-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-wednesday-28th.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_26.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-23rd.htmlhttp://serpsclaims.blogspot.com/2007/11/wednesday.htmlhttp://serpsclaims.blogspot.com/2007/11/tuesday-20th.htmlhttp://serpsclaims.blogspot.com/2007/11/saturday-17th-november.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_15.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims.html
Posted by mkfp at 6:25 AM 0 comments
Labels: serps, serps claim, serps claims, serps compensation, serps pension
Serps compensation
Serps compensation can be the hardest area to claim in the Financial World. We claim so many each week that we can almost produce successful Serps claims in our sleep.The Ombudsman plays a big part in Serps compensation and Serps claims. If you have never dealt with them before then use us, we do NOT charge a fee to you in any way whatsoever..To view our Serps claims website click the link below for MKFPhttp://www.serpsreviews.co.uk/We can help you through the Serps compensation world.This week, we have been relatively quiet. Approximately 30 new clients have approached us for Serps claims. They want to maximise their Serps compensation and have asked us as there is no fee.Mark Knight MKFPWe also prepare endowment claimshttp://www.lowestcostendowmentclaims.co.uk/The rest is only for Search engine optimisation. Please do not read this. Go straight to our website http://www.serpsreviews.co.uk/SERPS (the State Earnings Related Pension Scheme) was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension. A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension. The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlshttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-claims.htmlhttp://serpsclaims.blogspot.com/2007/12/mkfp-have-performed-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/opting-out-of-serps.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-and-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-wednesday-28th.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_26.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-23rd.htmlhttp://serpsclaims.blogspot.com/2007/11/wednesday.htmlhttp://serpsclaims.blogspot.com/2007/11/tuesday-20th.htmlhttp://serpsclaims.blogspot.com/2007/11/saturday-17th-november.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_15.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims.html
Posted by mkfp at 6:03 AM 0 comments
Labels: serps, serps claim, serps claims, serps compensation, serps pension
Thursday, December 6, 2007
Opting out of Serps
Hi, the trouble at the moment is that no one knows whether you should opt out of Serps. Because of that it is almost an unwritten rule that you should not be opted out. You need advice, and MKFP can get it for you.If you need help with a Serps claim. Wondering if you can get any Serps compensation for Serps misselling? Then call us on 0117 9501234, we really can help.If you prefer to view our website for Serps claims click belowhttp://www.serpsreviews.co.uk/Or if you want to go straight to the form to apply for a serps claim click belowhttp://www.serpsreviews.co.uk/494.htmlMark KnightThe rest of this post is only for Search engines, it is of no help to individuals. Please visit our main site for more informationhttp://www.serpsreviews.co.uk/http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlshttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-claims.htmlhttp://serpsclaims.blogspot.com/2007/12/mkfp-have-performed-serps-compensation.html
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MKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. Click here to find out what this means to you.Click here to applyMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.Click here to applyAs you were helping with my endowment claim we started discussing SERPS. With a letter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the About uspage.Click here to applyNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! Click here for more information
Click here to applyWhat if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear - Click here to applyFor your information, the regulators of MKFP stop us making any statements which could be misleading. Before we publish the website, it is checked and any statements are confirmed in writing to the regulator.MKFP are regulated by the Ministry of Justice in respect of regulated claims management activities.Our Authorisation number is CRM3996. Our registration is recorded on the following website; www.claimsregulation.gov.uk. You can verify our authorisation by visiting this website and entering our authorisation number.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/
http://www.endowmentclaims.sm4.biz/
http://www.pensiontransfer.sm4.biz/
http://www.free-reviewcentre.sm4.biz/
http://www.serpsreviews.co.uk/401.html
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Posted by mkfp at 6:59 AM 0 comments
Labels: serps, serps claim, serps claims, serps compensation, serps pension
Friday, December 14, 2007
Serps compensation and claims
We are having a run of new clients in this Xmas period. People seem to be more concerned about Serps claims than ever.Serps will get you to our site. We do not charge you for our Serps claims work, where others will even charge you an upfront fee.We are having a winning streak with Friends Provident so if you have been opted out with FP, call us now on 0117 9501234.Its simple. The chances are if you have been opted out, then the probability is you have been missold Serps. Here is our usual criteria page, if you fall out side of these criteria, call us anyway.Serps claims and serps compensationSerps claims, Serps compensation and Endowment claims, Endowment compensationThe rest of this post is only for Search engines, it is of no help to individuals. Please visit our main site for more information SerpsSerps claimsSerps claimsSerps compensationSerpsSerps compensationSerps pensionsSerpsSerpsEndowment compensationTags Serps, serps claim, serps claims, serps pension, serps compensation, endowment claims, endowment claim, endowment, missold endowment, endowment compensation,serps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serps,endowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlsSerps claimsMore Serps claimsSerps compensationopting out of serps Serps compensationserps claims, serps claim, and serps compensationserps claimsSerps compensationMKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. SerpsSerpsMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.As you were helping with my endowment claim we started discussing SERPS. With a let Serps ter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the Serps page.SerpsNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! serpsserps What if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear -Serps For your information, the regulators of MKFP stop us making any statements which could be misleading. Before we publish the website, it is checked and any statements are confirmed in writing to the regulator.MKFP are regulated by the Ministry of Justice in respect of regulated claims management activities.Our Authorisation number is CRM3996. Our registration is recorded on the following website; www.claimsregulation.gov.uk. You can verify our authorisation by visiting this website and entering our authorisation number.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlshttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-claims.htmlhttp://serpsclaims.blogspot.com/2007/12/mkfp-have-performed-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/opting-out-of-serps.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-and-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-wednesday-28th.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_26.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-23rd.htmlhttp://serpsclaims.blogspot.com/2007/11/wednesday.htmlhttp://serpsclaims.blogspot.com/2007/11/tuesday-20th.htmlhttp://serpsclaims.blogspot.com/2007/11/saturday-17th-november.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_15.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims.html
Posted by mkfp at 12:56 AM 0 comments
Labels: serps, serps claim, serps claims, serps compensation, serps pension
Wednesday, December 12, 2007
MKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. Click here to find out what this means to you.Click here to applyMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.Click here to applyAs you were helping with my endowment claim we started discussing SERPS. With a letter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the About uspage. Serps will get you to our site. We do not charge you for our Serps claims work, where others will even charge you an upfront fee.We are having a winning streak with Friends Provident so if you have been opted out with FP, call us now on 0117 9501234.Its simple. The chances are if you have been opted out, then the probability is you have been missold Serps. Here is our usual criteria page, if you fall out side of these criteria, call us anyway.Serps claims and serps compensationSerps claims, Serps compensation and Endowment claims, Endowment compensationThe rest of this post is only for Search engines, it is of no help to individuals. Please visit our main site for more information SerpsSerps claimsSerps claimsSerps compensationSerpsSerps compensationSerps pensionsSerpsSerpsEndowment compensationTags Serps, serps claim, serps claims, serps pension, serps compensation, endowment claims, endowment claim, endowment, missold endowment, endowment compensation,serps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serps,endowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlsSerps claimsMore Serps claimsSerps compensationopting out of serps Serps compensationserps claims, serps claim, and serps compensationserps claimsSerps compensationMKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. SerpsSerpsMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.As you were helping with my endowment claim we started discussing SERPS. With a let Serps ter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the Serps page.SerpsNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! serpsserps What if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear -SerpsClick here to applyNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! Click here for more informationClick here to applyWhat if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear -Click here to applyFor your information, the regulators of MKFP stop us making any statements which could be misleading. Before we publish the website, it is checked and any statements are confirmed in writing to the regulator.MKFP are regulated by the Ministry of Justice in respect of regulated claims management activities.Our Authorisation number is CRM3996. Our registration is recorded on the following website; www.claimsregulation.gov.uk. You can verify our authorisation by visiting this website and entering our authorisation number.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlshttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-claims.htmlhttp://serpsclaims.blogspot.com/2007/12/mkfp-have-performed-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/opting-out-of-serps.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-and-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-wednesday-28th.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_26.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-23rd.htmlhttp://serpsclaims.blogspot.com/2007/11/wednesday.htmlhttp://serpsclaims.blogspot.com/2007/11/tuesday-20th.htmlhttp://serpsclaims.blogspot.com/2007/11/saturday-17th-november.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_15.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims.html
Posted by mkfp at 6:25 AM 0 comments
Labels: serps, serps claim, serps claims, serps compensation, serps pension
Serps compensation
Serps compensation can be the hardest area to claim in the Financial World. We claim so many each week that we can almost produce successful Serps claims in our sleep.The Ombudsman plays a big part in Serps compensation and Serps claims. If you have never dealt with them before then use us, we do NOT charge a fee to you in any way whatsoever..To view our Serps claims website click the link below for MKFPhttp://www.serpsreviews.co.uk/We can help you through the Serps compensation world.This week, we have been relatively quiet. Approximately 30 new clients have approached us for Serps claims. They want to maximise their Serps compensation and have asked us as there is no fee.Mark Knight MKFPWe also prepare endowment claimshttp://www.lowestcostendowmentclaims.co.uk/The rest is only for Search engine optimisation. Please do not read this. Go straight to our website http://www.serpsreviews.co.uk/SERPS (the State Earnings Related Pension Scheme) was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension. A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension. The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlshttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-claims.htmlhttp://serpsclaims.blogspot.com/2007/12/mkfp-have-performed-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/12/opting-out-of-serps.htmlhttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-and-serps-compensation.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims-wednesday-28th.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_26.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-23rd.htmlhttp://serpsclaims.blogspot.com/2007/11/wednesday.htmlhttp://serpsclaims.blogspot.com/2007/11/tuesday-20th.htmlhttp://serpsclaims.blogspot.com/2007/11/saturday-17th-november.htmlhttp://serpsclaims.blogspot.com/2007/11/friday-serps-claims.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims_15.htmlhttp://serpsclaims.blogspot.com/2007/11/serps-claims.html
Posted by mkfp at 6:03 AM 0 comments
Labels: serps, serps claim, serps claims, serps compensation, serps pension
Thursday, December 6, 2007
Opting out of Serps
Hi, the trouble at the moment is that no one knows whether you should opt out of Serps. Because of that it is almost an unwritten rule that you should not be opted out. You need advice, and MKFP can get it for you.If you need help with a Serps claim. Wondering if you can get any Serps compensation for Serps misselling? Then call us on 0117 9501234, we really can help.If you prefer to view our website for Serps claims click belowhttp://www.serpsreviews.co.uk/Or if you want to go straight to the form to apply for a serps claim click belowhttp://www.serpsreviews.co.uk/494.htmlMark KnightThe rest of this post is only for Search engines, it is of no help to individuals. Please visit our main site for more informationhttp://www.serpsreviews.co.uk/http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claimSERPS Blog urlshttp://serpsclaims.blogspot.com/2007/12/serps-compensation-and-claims.htmlhttp://serpsclaims.blogspot.com/2007/12/mkfp-have-performed-serps-compensation.html
http://www.squidoo.com/customers_service
FRIDAY, JANUARY 11, 2008
Serps claims and Serps compensation
Happy New Year. If you are looking for help with Serps compensation we can help. We have had another record year, both in terms of successes and new clients.
We are able to add weight to your claim because we review it fully before your claim. No other claims firm we know of in the UK will do this.
We have just added a new element to our website. In 2006 we had a message board, customers put their comments on so that it may help new clients get a feeling of how we work and how well we treat clients. We we have reopened it and it is full of interesting comments.
If you need help with a claim, please contact us on 0117 9501234 or click on the link below
Serps claims and serps compensation
Serps claims, Serps compensation and Endowment claims, Endowment compensation
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MKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. Click here to find out what this means to you.
Click here to applyMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.Click here to applyAs you were helping with my endowment claim we started discussing SERPS. With a letter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the About uspage.Click here to applyNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! Click here for more information
Click here to applyWhat if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear - Click here to applyFor your information, the regulators of MKFP stop us making any statements which could be misleading. Before we publish the website, it is checked and any statements are confirmed in writing to the regulator.MKFP are regulated by the Ministry of Justice in respect of regulated claims management activities.Our Authorisation number is CRM3996. Our registration is recorded on the following website; www.claimsregulation.gov.uk. You can verify our authorisation by visiting this website and entering our authorisation number.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claim
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We are able to add weight to your claim because we review it fully before your claim. No other claims firm we know of in the UK will do this.
We have just added a new element to our website. In 2006 we had a message board, customers put their comments on so that it may help new clients get a feeling of how we work and how well we treat clients. We we have reopened it and it is full of interesting comments.
If you need help with a claim, please contact us on 0117 9501234 or click on the link below
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Serps claims, Serps compensation and Endowment claims, Endowment compensation
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MKFP have performed SERPS compensation claims for over 2 years, we have even helped Which compile a report on endowment claims companies. Once you have been awarded compensation we will ask your provider to pay our fees. You will NOT need to pay us a fee. To see a list of companies that pay compensation CLICK HERE or we can help by calling 01179 501234You will receive 100% of your Serps compensation guaranteed.We will also provide free reports on SERPS claims and reviews. To apply call us on 0117 9501234 or click here The SERPS compensation amounts can be quite large sometimes over £15000.00; Under pension regulations, any money awarded to you will have to be paid into your pension plan. Click here to find out what this means to you.
Click here to applyMKFP Ltd recently helped Which magazine compile a report on endowment claims handlers. To take advantage of our Serps Compensation service, please complete the form before the cut off date and time.Click here to applyAs you were helping with my endowment claim we started discussing SERPS. With a letter of authority completed, the review and compensation was all done within 6 weeks.M Chalk HertsWe are especially interested in hearing from clients who have been contacted by firms who are requesting an upfront fee for a lesser service than we will provide without charge.We approach claims using our unique S M A R T process- Systematic, Measured, Accurate, Realistic and Targetted.Check out the customer questions regarding Serps compensation on the About uspage.Click here to applyNo more uncertainties Should you be IN OR OUT!After the initial review process we will be able to formulate a plan of action. We are experts in the SERPs claims arena and although at the end of the process you will not understand the complex calculations, you will know what you should do. We hope to win you Serps Compensation.Ask us to help you and we will gather all the facts from the insurance company and all your concerns from you.SERPs is probably THE most complicated area in the pensions arena.Should you be opted in, should you be opted out! Click here for more information
Click here to applyWhat if my claim is unsuccessful? Only time will tell, but you don't have to prove anything, the onus is on the insurance company, not YOU!! We will keep working hard to get you as much Serps compensation as possible.The process is simple - Were you told the followingIt may not provide as much as the State scheme!There is an element of risk!If these were not made clear - Click here to applyFor your information, the regulators of MKFP stop us making any statements which could be misleading. Before we publish the website, it is checked and any statements are confirmed in writing to the regulator.MKFP are regulated by the Ministry of Justice in respect of regulated claims management activities.Our Authorisation number is CRM3996. Our registration is recorded on the following website; www.claimsregulation.gov.uk. You can verify our authorisation by visiting this website and entering our authorisation number.The State Earnings Related Pension Scheme was also known as the additional State Pension. It ran from 6 April 1978 to 5 April 2002 when it was reformed by the State Second Pension.A person who was in employment may have paid into SERPS.SERPS is paid from State Pension age to the person who has contributed to the scheme.There are also conditions that allow some or all of a person's SERPS entitlement to be inherited by their spouse husband, wife or civil partner when the SERPS contributor dies. Since 6 October 2002, the maximum amount of SERPS pension a person can inherit will now depend on the date that their late husband, wife or civil partner would have reached State Pension age.A person may have joined a private pension scheme instead of SERPS.This is called 'contracting-out'.Any SERPS earned from April 1978 to April 1997 is reduced if a person was contracted-out during that period. This reduction is called the 'contracted-out deduction'.From April 1997 to April 2002, a person who was contracted-out could earn no SERPS at all.The State Second Pension provides a more generous additional State Pension for low and moderate earners. Access has also been extended to include certain carers and people with long term illness and disability whose working lives have been interrupted or shortened. The inherited SERPS rules do not apply to State Second Pension.The maximum amount of State Second Pension a person may pass on to a surviving husband, wife or civil partner is 50%.The State Earnings Related Pension Scheme was set up in the UK in 1978 to provide a second government-run pension for those without occupational or personal pension schemes.It is paid for through a taxpayer's National Insurance contributions.The pension amount is based on an individual's earnings and National Insurance contributions during their working life.The more you earn over your working life, the more Serps you get, to an upper limit.As a general guide, Serps will be, at most, 20% of the average earnings on which a person has paid National Insurance contributions over their working life.Safety netEssentially it makes sure that every working person has some form of pension, on top of the basic state pension.Since the 1980s taxpayers have been able to opt out of Serps at any time, if they take out a personal pension or join a company pension scheme.This has become increasingly popular as the pension available for those who take out company and many personal pensions will be higher than Serps for those who have plenty of earnings years left before retirement.However, it is not necessarily in a person's interest to opt out of Serps in all cases.In return for opting out of Serps, individuals pay a lower rate of National Insurance and do not pay tax on their pension contributions.Serps is due to be replaced in 2002 by the State Second Pension.Those who will qualify for the new scheme include those who have not been building up Serps contributions because of looking after children or disabled people or having a long-term disability or illness themselves.A few months ago I wrote about the possible problems related to contracting out of the State Earnings Related Pension Scheme (SERPS). A study was carried out into the effects on retirement income of contracting out of SERPS, or the State Second Pension (S2P) as it's now known, and the results were quite interesting. Essentially, due to high investment charges and the poor performance of many private funds, a large number of the 7.5 million people who chose to contract out of SERPS/S2P would have been better off staying put.The SERPS pension scheme was introduced in 1978 and was replaced by S2P in 2002. It's essentially an additional State pension scheme that employed people are entitled to, and in the same way as for the basic State pension we contribute to it through our National Insurance contributions. The amount we receive at retirement therefore depends on how much we've paid in over our working lives.However, in an attempt to increase private pension contributions and reduce reliance on the State, the Government has allowed those with personal pensions to "contract out" of the SERPS/S2P scheme since 1988. Although National Insurance contributions remain the same, anyone who chooses to contract out will have a rebate (with tax relief added) paid into their personal or stakeholder pension each year.Interestingly, contracting out is back in the news this week as, following an 18-month battle, one pensioner has won his case against Prudential (LSE: PRU) for mis-advising him to contract out of SERPS back in 1980, which he claims has resulted in his retirement income being around £200 less each year than if he'd remained in the Government scheme. Despite the fact Prudential initially dismissed the claim, arguing that the risks associated were fully explained at the time, the Financial Ombudsman ruled in the claimants favour, causing the insurance company to review the case. It has now agreed to pay back the shortfall, in full. What's more, the complaints-handling firm that took on this case believes that it is by no means unique and may "open the floodgates to millions of similar claims".Of course, in the cases where risks were not adequately explained and false claims made then the case for mis-selling is strong. However, those that did understand the risks involved would be well aware that investment can go down as well as up. Would they feel differently about having contracted out if their stock market returns over the last ten years or so had been good?The decision whether or not to contract out of (or contract back into) S2P is certainly not an easy one. Many pension products advisers hold the view that we should not contract out of S2P and that if you have already, you should consider contracting back in. You really need to think about your own attitude to risk. And if you intend to rely on the Government for the majority of your income when you retire you should definitely stay contracted in. If you're concerned, here's some Basic advice1. Contracted In/Out?If you're not sure, give HM Revenue and Customs a ring on 0845 9150 150 to ask (have your National Insurance number to hand). It's worth noting that if you contracted out of SERPS, your contracting out certificate is likely to have automatically been applied to S2P without further paperwork.2. Pension ForecastSend off for a State pension forecast from the Department for Work and Pensions to find out how much you can expect.3. Have you lost out?Give your pension provider a call and ask for a personalised statement. This will compare your projected income from your contracted out personal pension to how much you would have received from staying contracted in. It's worth noting that those who contracted out and are members of a final salary schemes will not lose out as their employers have to ensure that their pension will be at least as good as if they had remained contracted in.Remember, too that if your retirement is a long way off you will see many Governments come and go, and many policy changes and broken pension promises. Also, remember to consider your retirement plans - if you intend to emigrate to a non-EU country you may find your State pension will remain frozen from year to year anyway, so contracting out and paying a bit more into your personal pension may be a better option for you.http://www.serpsclaims.blogspot.com/http://www.endowmentclaims.sm4.biz/http://www.pensiontransfer.sm4.biz/http://www.free-reviewcentre.sm4.biz/http://www.serpsreviews.co.uk/401.htmlhttp://360.yahoo.com/lastwillandtestamenthttp://www.lowestcostendowmentclaims.co.uk/http://endowmentclaimsendowmentcompensation.blogspot.com/TagsSerps, serps claim, serps claims, serps pension, serps compensationendowment claims, endowment claim, endowment, missold endowment, endowment compensationserps , serps pension, serps compensation, contracting out of serps, opting out of serps, serps misselling, serps pensions, serps claim, serps opt out, contracted out of serps, opt out of serps, contract out of serps, what is serps, inherited serps, opting back into serps, contracting out serps, serps claims, contracting back into serps, serps mis selling, serps calculator, contract back into serps, inheriting serps, serps advice, contracted out serps, serps contributions, opted out of serps, serps opting out, opt back into serps, serps valuation, serps rebates, serps review, serps uk, serps , s2p, serps in or out, serps rebate, br20, serps, state pension, serps, serps regulation, serps complaints, calculating serps, inheriting serps pension, serps form, how to contract back into serps, serps pension compensation, serps contract out, serps, serps miss selling, serps contracting in, serps 2, serps calculation, serps compensation claim, serps stands for, serps helpline, serps benefits, serps checker, should i contract out of serps, serps complaint, serps payments, opted out serps, compensation for opting out of serps, how to opt back into serps, opting back to serps, gmp serps, serps contract in, mel serps, serps opt in, inheritance of serps, serps gov,fsa serps, opt back in to serps, serps search, www serps,in or out of serps,serps contracted, for serps, serps contract, serps in, pension scheme serpsendowment claimsendowment compensationendowment mortgage claimsendowment compensation assistanceendowment mortgage compensation, endowment policy claim, endowment compensation claims, endowment compensation center, endowment compensation claim, endowment claims uk, endowment compensation calculation, endowment compensation ltd, endowment claims com, endowment misselling claims, which endowment claims, endowment misselling claim, endowment mis selling claims, endowment claims companies, claims for endowment, endowment claim time, fsa endowment claimsendowment policies compensation, endowment misselling compensation, endowment compensation offer, endowment claim company, eca endowment compensation, calculate endowment compensation, mortgage endowment claim, endowment compensation recovery unit, low cost endowment claims, endowment compensation assistance ukendowment claims time limit, endowment compensation uk, endowment claim time limiteca endowment claims, endowment claims ltd, which endowment compensation, endowments claims, claim on endowment, endowments claim
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