HM Revenue & Customs can answer questions on whether or not a person has opted out of SERPS (State Earnings Related Pension Scheme). Its helpline number is 0845 915 0150. The agency needs an associated national insurance number to access information. HM Revenue & Customs can also be contacted at: HMRC National Insurance contributions and Employer Office, Services to Pensions Industry (Personal Pensions), Benton Park View, Newcastle-upon-Tyne, NE98 1ZZ.Know More
SERPS was a state-run, earnings-based pension plan in the United Kingdom; those who work more hours or have a higher income pay in more than those who don't and receive a larger pension at retirement. An individual can contract or opt out into a personal or stakeholder's pension. Once he has done so, he can receive a rebate or pay a reduced fee on National Insurance contributions. SERPS is now an obsolete plan, replaced in 1992 by the State Second Pension plan. Individuals who are self-employed or whose companies maintain a private pension plan do not qualify.
The Financial Services Authority can provide further information on opting out in addition to an opting-out fact sheet. Also, the independent financial adviser or security company that initially sold the plan to the individual should be able to provide further information.Learn More
Calculating body mass index, or BMI, can tell a person if he is underweight. Usually, BMI calculations are used to determine if a person is overweight or obese, but being underweight is also a health risk, according to the United States Department of Agriculture.Full Answer >
According to Amanda Gardner for Health magazine, the only way to determine if a person is HIV-positive is to get tested at home or by a professional. People who contract HIV after risky sexual intercourse may experience flu-like symptoms within one to two months. However, many adults with HIV do not present symptoms for years.Full Answer >
There are a number of ways a person can tell if a Rolex is genuine, such as noting the quartz movement of the hands. Counterfeit Rolex watches do not have the smooth second hand movement that real Rolex watches have.Full Answer >
To be diagnosed with attention deficit/hyperactivity disorder, a person must visit a licensed medical practitioner. According to WebMD, symptoms of ADHD include inattentiveness and/or hyperactivity, and impulsive behavior may also be present. ADHD is often diagnosed in children who display these symptoms to a far greater degree than their peers. Adults who are diagnosed with ADHD may have symptoms slightly different from children, such as restlessness instead of hyperactivity.Full Answer >