As I understand it, the DWP will compare what one has accrued under the old state pension scheme with the new single tier pension (which will be lower for Service personnel because of the Contracted Out reduction). The higher of the two figures will be the basis for future pension rights (was called the "foundation amount"). From today, every extra year one pays the full NI rate equates to an increase of £4.40 approx additional pension per week(not including any indexing) on top of the foundation amount. Someone who has 30 years of contributions, even contracted out, will have accrued approx £119 on the old scheme. If they work an additional 10 years from 2016, they should therefore be eligible for the full single tier pension. The govt pension service is running a state pension forecast "beta" service which will calculate your current and projected pension entitlement under the new state pension scheme.