I am 'supposedly' on the new state pension. Like many people ,I have been penalised for being contracted out at some point. Try finding out from the pensions department when and which employer; they will not tell you. Like so many on the new standard pension ,I have been penalised to the tune of £60 per week for being contracted out for 8 years. Very few people get the full £168 pension. Yet, my brother in law who has not worked for over 40 years (disabled by alcoholism) will get the full pension. No justice in this world.