Does anyone on here understand the formula for working out your entitlement to the new state pension due to start April 2016 ? I will be 65 February 2017 and have received an estimate of TWO different amounts I can expect to receive each week fig.1 £144.33 fig. 2 £ 68.14 no explanation as which figure I am more likely to receive, I was contracted out of paying the second state pension for 12 years ( serps ) which meant I paid slightly reduced contibutions , yet I am at a loss as to why it would generate the much lower fig. 2 ,so far I have paid N.I. contributions for nearly 45 years , new rules only require 35 years qualifying contributions , my wife will receive her pension July 2016 at age 63 years 3 months,she has received an estimate of £ 106.58 per week based on her contibutions of 5 years paying N.I contributions, and credited with 20 years home protection when she gave up full time working to bring up our 3 children, I am thinking the people at the D.W.P don't understand themselves how the system works.