42
Striker
Had a word with her last night and apparently she was deputy manager for 3 years but before that she did 2-3 years as a normal care worker so that would have also counted towards her pension. She was earning more than me when she was a deputy manager so £35,000+ I'd say. I don't really get involved in her pensions because she earned them and they're hers to spunk on a static caravan she owns. When I retire in about 3 years time then I suppose we'll pool our pensions and live according to what we have coming in. Downsizing will also be on the cards as we live in a 3 bed detached house in a nice area that is boring as feck. The only fly in the ointment is her health, I'm not sure she'll be here in 3 years time to be honest.
The way it works (or did back then) is you got 1/80th of your last salary for every year worked. Then when you leave its frozen & uprated by CPI every year.
The standard lump sum was 3 x annual pension
So 6 years employment, with last job at say £40k will get pension of £3k & £9k lumper.
But if that £40k was 20 years ago then can multiply above figures by something between 1.5 (2% Ave inflation) 1.8(3% Ave inflation)