State pension: Your payments may be affected if you were ‘contracted out’ – how to check

If they have lost touch with an old scheme, the Pension Tracing Service may be able to help.

In addition, a person’s old payslips may hold the simple key to finding out their status. 

People were contracted out if the National Insurance contributions line has the letter D or N next to it.

If it has a letter A, then they were not contracted out.