Well this has been an education. When I moved abroad to work I checked my NI contributions and they were over 35 years so I thought all was OK. However, checked on the Government website at my state pension forecast and it says I will get around £140 rather than the full rate of £168 when I reach state retirement age in 2029 (age 67) So from what I can tell it is due to being contracted out (SERPs) while paying into the TPS ??? It also stated if I contribute for another 6 years before 2029 then I will get the full amount. However, I believe you don't pay NI on your teachers pension? So the question is, if I return to the UK in September 2020 and retire and claim my Teachers will pension my state pension always be under the maximum? Unless maybe I make pay some extra into the NI - not sure if thats possible or worth it for £28 a week in 10 years time? Appreciate some thoughts/knowledge on this.