Pay as You Earn 係 income tax, 同你 NI 無直接關係. 每次出糧, 你 payslip 會寫左你俾左幾多 income tax (PAYE) 同 NI contribution. PAYE 同 NI contribution 係兩樣野. 你退休之後食 pension , 如果大多收入, 都要交稅 ( https://www.gov.uk/tax-on-pension )
Some people can get more than that. Under the previous state pension rules, workers were able to build up what's known as the additional state pension (also called the second state pension, S2P, or SERPS) – a top-up to the former basic state pension. Although the current rules have now scrapped this top-up, the Government has allowed many workers in their 40s, 50s and early-60s to keep their existing entitlement.
This is part of the Government's pledge that people who worked to build up a healthy state pension under the previous rules shouldn't lose out under the new ones.
To make it work – and it is fiendishly complicated – what you'll get depends on a so-called 'starting sum' calculation. This compares what you'd have been entitled to under the old and new regimes – and, in a nutshell, you'll get the higher of the two. This extra money is known as your 'protected payment' and will be highlighted on your state pension statement.