- Basildon 01268 244144
- Chelmsford 01245 453800
- Colchester 01206 217309
Contracted Out/In
Contracting out was a system where employees gave up their right to additional state pension, firstly in the form or the state earnings related pension scheme (SERPS) then from 2002 in the form of the state second pension (S2P) In return workers and their employers paid reduced national insurance.