I have just applied at Capita hartshead for my pension - I am 59. I then checked my pension estimate to discover that it is now 2/3 of what it was last year. After recovering from the shock I realised that my estimate for this year did not include the PI factor - according ot my Capita forecast that PI factor is 1.58. Is this PI factor now not being applied or is it that Capita are not showing it in their estimates? I live overseas, does this affect whether my pension is multiplied by the PI factor?