What is category d national insurance

If it shows the letter D or N on the National Insurance line then this means you were contracted-out. Letter A would mean you were not contracted-out. If you have or previously had a married woman's reduced rate election and were contracted-out your payslip would show the letter E.

What are the NI categories?

Anyone who was contracted out paid lower National Insurance contributions and therefore their state pension may be lower as a result. You can check with your pension provider to see if you were contracted out at any point or you can check old payslips.

Do you get less state pension if you contracted out?

If you're over State Pension age\n\n If you have any payslips with the category letters D, E, L, N or O, then you were contracted out. You can also ask: your employers. your pension providers.

How do I know if I was contracted out of state pension?

If you opted out of your SERPS pension, then you would have invested the money into either a money purchase pension scheme or a final salary (defined benefit scheme). It may state that this element of your pension has protected rights but this was in fact abolished in 2012.