Firstly, thanks for your constructive response, and taking an effort to answer. Here’s the history. Yes, I signed up to the Government Gateway, I think around two years ago. I looked at my figure. To the best of my memory, I had a full, or nearly full pension. Now that didn’t sit quite right. I was contracted out of SERPS for around half my previous job, and (as is my understanding), effectively contracted out of most of my 25 years teaching, until the NI contributions changed around a year ago. I should have been missing a chunk, but I wasn’t, or didn’t appear to be. I decided I’d check back later, but left it. Then all of this current crisis hit, with my redundancy. At the start of the summer holidays I thought I’d check again. I had my ID, so I signed in with my usual password. It didn’t work. I clicked on the ‘forgotten password’ when that came up, expecting them to email me a link to reset it. Instead a message came up asking me to re-register. I couldn’t be bothered going through it all again just then, and then this thread came up, and I thought I’d ask. Because, you know, it’s a forum for people to ask questions about things they don’t know. Just to check, do I have to go through a whole story justifying every question I ask, as I’ve just had to do? Is that what we’ve become? My main question is this. Yes, I’d figured out the whole 34 years out of 35 bit. But I intend to work at least 6 more years. In one year I’ll have 35/35, so would be getting the full lot, EXCEPT I’d be short by the years I’d contracted out. But also I’d be working for five more years. So my question is this: in another year’s time, when I have 35 years in, will the following five years be ‘wasted’, or will those contributions be used to catch up the bits from the years I was contracted out? Do I need to spend money filling in the gaps, or will those five years do it for me? I thought it possible (though not certain) that someone may know the answer to that without checking. That’s why I asked. I presumed anyone who didn’t know the answer wouldn’t bother to answer, or possibly might say “Sorry, I don’t know”. But clearly that’s not what these forums are for. I suggest the mods create an automatic post. Anyone who posts a question, an automatic reply appears saying “Find out for yourself!” If anyone posts a second question, they’re automatically banned.