Three things your clients may call you about this week ...

Face a smaller state pension because you were contracted out? Here's what you could do Millions face a smaller state pension because they paid a lower rate of National Insurance, The Telegraph reports in this article on contracting out, its implications and some possible courses of remedial action. The article explains the decision to use money that would have been paid as National Insurance contributions instead to boost workplace or private pension plans will have ramifications for the significant number of workers who contracted out from 1978 onwards, with many ‘contracted back in' ...