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the state second pension (serps and s2p)

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

further information