Something that has suddenly occured to me is that many of us in the the UK get our pension every 28 days, which would mean that we actually get 13 payments a year and not 12, so one month a year we would end up receiving two payments, I cannot remember this ever being discussed before. Would that be taken into consideration when working out the averages.

9 hours ago, vogie said:

Would that be taken into consideration when working out the averages.

Yes it would.