Eligibility for UK State Pension

To be eligible for a UK state pension, you need to have been employed or self-employed in the UK and/or have made National Insurance Contributions for a certain minimum number of years (which could include voluntary contributions or time spent in child care).

These years of National Insurance contributions are referred to as “qualifying years”. Depending on your age, the number of years that you need to qualify for a minimum pension will vary. There are three main groups of pensioners. 

To see where you stand with regard to your pension, place yourself in one of three categories that may apply:

1)  Men born before 6th April 1945 and women born before 6th April 1950

These people reached pension age (65 for a man and 60 for a woman) before 6th April 2010.  A man needs a minimum of 11 years National Insurance contributions and a woman needs a minimum of 10 years National Insurance contributions to get any pension at all.  It is too late for people in this age group to make any extra payments, but there may be some credits for years of education, apprenticeship or training from age 16 onwards.

2) Men born on or after 6th April 1945 and before 6th April 1951. Women born on or after 6th April 1950 and before 6th April 1953

Men in this group reach pension age at 65.  Women reach pension age somewhere between 60 and 63 (as the pension age is steadily rising to match that for men).  People in this group get some pension for every year of National Insurance contributions.  A full pension requires 30 years’ contributions, and one year gets 1/30th of a full pension which currently stands at £113 per week. Between two and seven voluntary contributions can be made to top-up your contributions depending on your pension date.

3) Men born on or after 6th April 1951 and women born on or after 6th April 1953

The pension age for men in this age group is steadily increasing, starting at 65 for men and 63 for women.

People in this group reach pension age on or after 6th April 2016, and will need a minimum of 10 years’ National Insurance contributions. 35 years are needed to get a full pension of about £160 per week.  Also you can make a minimum of 10 voluntary payments to top up your pension contributions.

Voluntary contributions are a very good investment.  The usual Class 3 contribution costs about £700 for each year purchased, and this is recouped in under 4 years once your pension starts.  The Class 2 contribution, usually available to people who are working, costs only £143 for each year, and is recouped within the first year of pension.  You must have worked 3 years in the UK, or lived in the UK for 3 continuous years to qualify.

A partial pension is simply prorated based on the number of qualifying years you have. For example, if you have 10 qualifying years, then you would be eligible for a pension equal to 1/3 of the full pension amount. For 2013, the full UK state pension is £5,727 per annum.

These qualifying years provide what is known as a Category A Pension. In addition, the spouse or civil partner of someone receiving a Category A pension may be entitled to receive a Category B pension, even if they have never worked in the UK, lived in the UK, or even visited the UK themselves. The Category B pension is based on a percentage of the Category A pension being received by the main pensioner, (approximately 60%).

Comments

  1. David Nicholson says:

    Dear Sir/Madam,
    I am a British Citizen who has lived in Sweden since 1975. I worked a few years in different jobs in the uk from when I left school till I moved to Sweden (approx 5 yrs).
    Am I eligable for a uk pension and what contributions can I make.
    Any assistance will be greatly recieved.

    • David Morris says:

      Hello David as you live in Sweden, you come under EU rules for pensions. In the EU, pensions are harmonized, which means you get pension credit for any time worked in any EU country. Other than that, I can’t tell you much more, as the EU rules are quite complex. The local pension office in Sweden would be able to explain the system to you.

  2. Robin Muir says:

    Hi David,

    I was born in Edinburgh in December 1946. We emigrated to Canada in 1948 but returned to Scotland in 1961. I worked in Scotland approximately 10 years on and off (I was at College too) between 1964 and 1978 when I returned to Canada. I believe from your site that I am entitled to approx. 1/3 of a full pension.

    My question is what will it be based on? 1978 pension rates when I left Scotland, or 2011 pension rates when I turned 65?

    You have a great site – I just joined.

    Regards,
    Robin

    • David Morris says:

      Hello Robin, thanks for joining. Your pension amount will be based on the year you first receive it. If you start taking it in 2016, as you reached pension age in 2011, you will be entitled to either a lump sum up to 2016 representing a deferred pension amount, or an increased pension amount from 2016 onwards.

  3. T P Samuel says:

    Dear David,

    Thanks for your useful info dated 21.10.15 on Class 2 & Class 3 NI Contributions . I have worked under the NHS which had the “contracted out” period from from 6.4.78 till 30.10.79 .

    When I left the NHS in early Nov 1979 , I had an option to apply for the return of my Superannuation Contributions for the contract-out period. I applied and got the superannuation refunded (less tax and less a certain amount that was paid towards the state pension scheme to secure the rights that I am entitled to had I not contracted out).

    In the above circumstance, I would like to know the handling of the contract-out status to work out the starting amount of the state pension. Will it be purely based on my total 17 years of NI contributions or will there be a additional deduction for the short “contracted out” period which was terminated later at my request?
    Appreciate your kind reply.

    Thank you very much.
    T. Samuel(Mr)

    • David Morris says:

      Hello Mr Samuel, I am afraid I don’t know the answer to that question. Your best bet is to contact the DWP for this. I would guess that it would be based on your NI contributions, but I can’t be sure.

  4. Claire Hallam says:

    Hi David, I was born in the UK in 1969 and lived there until 1991, when I moved to Canada. I think I can make voluntary contributions to get a pension – are these contributions made at the time you apply for the pension or can you do them at any time – and how do you go about it?
    Thank you for a very informative website!
    Claire

    • David Morris says:

      Hello Claire, you should make voluntary contributions every year. If you miss a year, you have 6 years in which to make a payment for that year. After that, you can no longer make a payment for that year, and it is lost to you.
      If you join us, we will send you a complete information package on how to get started, including how to make contributions from abroad

      • Claire Hallam says:

        Thanks David – I’m confused – if my last year was 1991, and I have six years to make a payment, then the last time I could have made a voluntary contribution would have been 1997? Assuming that I made contributions for 1988 – 91 can I make voluntary contributions for 2010 – 15 in order to qualify for ten years of contributions?

        • David Morris says:

          Hi Claire, in 2016, you can only make back contributions for 2010 to 2015. Going forward, you can make contributions for 2016 onwards, until you reach pension age.

  5. Robin Kumar says:

    I have lived in the UK but not had any Income.My expenses were met from my own funds.So i have no contributions.Do i qualify for state pension and if so at what age.I have my NI card/number.I dont have 11 years of contributions to qualify.Is this fixed.?Or are state pensions paid out anyway.?My DOB is 24.07.1956
    Robin

    • David Morris says:

      Hello Robin, you are eligible to make voluntary contributions provided you lived in the UK for 3 continuous years, even if you had made no contributions so far. You will need 10 years to qualify for a minimum, but the good news is that you can pay back 6 years, plus make contributions going forward which will get you to at least 10.
      Don’t delay though, as your ability to make back payments will disappear over time

    • Susan Linda Knarvik says:

      I was born in the UK,14th March 1959. I worked in the UK from leaving school July 1976 until May 1987, when I then married and moved to Norway. In this time I paid national insurance. So now I am wondering if I am entitled to apart of the
      UK pension when the time comes. Also is it possible to top up the pension by making extra contributions. If so, how do I go about doing this.

      • David Morris says:

        Hello Susan, as you live in an EU country, the pension rules are different. Pensions are harmonized in the EU so that pension credit in any EU country is counted towards your overall pension. You need to contact the pension office in Norway, who will explain the rules.

  6. Paul Murphy says:

    Sir,
    My name is Paul Murphy 13.01.1964 born in the UK and worked there from 1980 until moving to Australia in 2007
    My wife Vicky 22.01.1964 also worked through the same times albeit on a part time basis from 1997 until we left allowing us to bring up our two girls.
    Are either of us entitled to any part of the UK pension in future years.

    Regards

    Paul Murphy

    • David Morris says:

      Hello Paul, absolutely you are both entitled to a partial UK pension. You also still have time to make further contributions to increase that. You need 35 years to get the max pension, and you should be able to reach that by making extra payments. Even without that, you likely have at least 75% of a full pension. I like telling people that they are entitled to a significant pension that they didn’t know about, so congratulations

  7. Carol Gilev says:

    My mom is 81 and has been receiving the British pension for many years. It is automatically deposited to her bank account here in Canada. Today I was going over her financials and there has not been a deposit in the last 6 months (she hadn’t noticed). This has never happened before and I can think of no reason why she has been cut off unless they have a cutoff age. Her last deposit was made in the month just before her 81st birthday–so she would have been paid for her 80th year. I’m not familiar with the British pension so I would appreciate it if you could help me! Thanks!

    • David Morris says:

      Hello Carol, what has happened is that your mother would have received a Life certificate. This is a form from the UK, requiring here to certify that she is still alive. If she did not complete that form and send it back within a couple of weeks, the pension will be stopped until she does certify. It is a routine process that affects all pensioners. If she can confirm that she is still alive, her pension will be restored, back paid to the date of the last payment.
      You will need to contact the Dept of Works and pensions in the UK

  8. Brian Dunning says:

    I was born in the UK in 1943, served a 5 year apprenticeship from 1959 to 1964, then worked at the same place until June 1966 when I emigrated to Canada.
    Do I qualify?

    • David Morris says:

      Hello Brian, you are in the age group that needed 11 years to qualify for a minimum pension. It doesn’t look like you have that. Sorry

  9. Dear David

    My husband worked in the UK when he was younger and we have just been informed we have 19 years of NI contributions and can make annual voluntary Class 2 contributions…

    I am Australian and never worked in the UK…just want to ask whether under the new State pension law in April 2016:

    a) will i be eligible to claim my husband’s state pension should he pass away BEFORE he reaches state pension age which atm is 67?

    b) what if he claims at age 67 and passes away at 68? Will i be entitled to this state pension as a widow?

    • David Morris says:

      Hello Jan, it really depends on your age. If you reach pension age after April of this year, then you will not be entitled to any spousal pension from your husband, regardless of when he passes away.

  10. C robinson says:

    Question. Man born in UK and paid in 44 years of contributions and currently lives in South Africa.
    His wife is Zambian and now coming 60. Is she entitled to a UK pension in her own right>

    • David Morris says:

      Hello Mr Robinson, unfortunately no. The wife comes under the new rules which eliminate spousal pensions. She would have had to have worked in the UK herself

  11. Sophie Cheney says:

    My husband was born in 1934 and is a UK citizen. He worked for his father as a a boy & teen in construction working his way up to journeyman. He went to the University in Nottingham for 4.5 yrs obtaining a Diploma in Architecture (equivalent to a BArch) and worked 2-3 years as a designer for a local architectural firm. He left the UK for the US to study at Harvard obtaining his Masters in Architecture. He worked in the US for a short time and subsequently came to Canada.

    Would he qualify for a UK pension?

    • David Morris says:

      Hello Sophie, your husband needed 11 years of work contributions to qualify for a minimum pension. Based on what you say, it doesn’t look like he would have that, and it is now too late to buy back any years. Sorry

  12. Margaret Francis says:

    I was born in Australia and worked in the UK from 1978 to 1982. I had dual nationality my husband being British. I am now living back in Australia, can you tell me whether I qualify for the UK Pension.

    • David Morris says:

      Hello Margaret, I need to know your date of birth

      • Margaret Francis says:

        16th July 1954

        • David Morris says:

          Hi Margaret, ok, you will need 10 years to qualify. You likely have 4 or 5 already. The good news is that you can still make voluntary contributions from abroad which will get you to the minimum you need. You can contribute until 2020, and you can also buy back 6 years, so that should give you 14 or 15 years.
          Don’t delay though, as you lose the ability to buy back as time moves on

          • Margaret Francis says:

            Hi David
            How do I go about making the voluntary contributions, which forms do I need to fill out? Is this available through the British Pensions website?
            Margaret

  13. Hi David,

    My dad was born in February 1949 in the UK and studied law and worked there from around 1972 until the time he moved abroad in 1985. He is currently 67 and hasn’t made a claim. I am his power of attorney as he has lost capacity unfortunately, I am looking into applying for his pension if he is eligible. Can you confirm that he would be eligible and also I have read about the voluntary contributions but don’t really understand how they work.

    Also my mother (parents divorced in 1991) was born in March 1951 so I would like to advise her of her eligibility also, she worked in the UK from age 19 to 31 (approx 1970-1981 when she was became parent in the UK).

    • David Morris says:

      Hello Robin, based on this information, both your parents are absolutely eligible for a partial UK pension. Voluntary contributions simply mean the apply to pay national Insurance contributions even from abroad. This allows you to build up the number of eligible years. In your parents case, they both are past pension age, but they still have time to buy back 2 or 3 years. Each year bought adds to the pension amount they receive.
      if you join us, we will send you an information package on what to do next. This includes getting their National Insurance numbers, applying for a pension statement, and making contributions from abroad

      • Robin Ward says:

        Thanks David, that’s good news. The pension will be back paid to their eligible date correct? And if I buy back years will that increase the back paid amount as well?

        • David Morris says:

          Hello Robin, yes, the pensions are paid back to the pension age, including any voluntary payments

  14. Dilip Pandya says:

    Hello, I am a dual US/UK citizen and worked in UK from 1980-1985. I have been in US since 1986. I will be 60 this November. Will I be eligible to any UK pension when I reach the retirement age in UK? If not, can I make voluntary contributions to restore my rights?

    • David Morris says:

      Hello Dilip, yes you can become eligible for a partial UK pension. You will need 10 years of credits, but you can make voluntary payments from abroad, plus you can back pay up to 6 years. Don’t delay, though, as you will lose the ability to make back payments as time progresses.

  15. Frank Atkinson says:

    Hi there, born in 1954, served in the Royal Navy 1970 -1980, worked in London full time employ till November 1985, then moved to New Zealand. Will I be entitled to a UK pension?

    • David Morris says:

      Hello Frank, yes. You are eligible for a UK pension, based on your years worked there.

      • Frank Atkinson says:

        Hi David, thank your your response. So who would I approach to apply ple? And thank you once again.

        • David Morris says:

          Hi Frank, if you join us, we will send you by email a complete information package on how to apply, including how to make voluntary payments which will increase your pension. You can join right on this website

  16. MR GG KANE says:

    Good Day
    Please can you tell me if I am entitled to a British pension .My parents immigrated to SA when i was only 4yrs old. Am i entitle to a British pension as both my parents work there and my father was in the army.Please sent to my email address listed below.

  17. Marilyn Crabbe says:

    Hi
    just wondering if my husband is entitled to a part pension
    his date of Birth 21.4.1943 He worked in England from 1958 until we emigrated 1967

    • David Morris says:

      Hello Marilyn, it is very close, but I don’t think he is eligible. He needed 11 years of work contributions and it looks like me has only 10. However, it is worthwhile applying, just to be certain.

  18. Hi David,
    I have been living in Canada for the last eleven years. I am a resident there and am thinking about becoming a citizen as my wife is Canadian. I was born in 1972 and lived and work in the UK till I was thirty three. Firstly do I qualify for state pension still? Secondly how would this be affected if I become a citizen of Canada? Thirdly how would I claim my pension if I am still living in Canada come retirement age?

    • David Morris says:

      Hello Chris, you will need 10 years of work contributions in the UK to be eligible. The good news is that you can make voluntary contributions from abroad which will more than get you the minimum. Your citizenship has no bearing on your pension entitlement. Most of our members are Canadian citizens, yet collect a UK pension. You can claim your pension from abroad, and it will be paid monthly directly into your Canadian bank account.
      If you join us, we will send you an info package on how to get started, and how to make voluntary payments from Canada. You reach pension age in 2039, so you can make 23 years contributions, plus you can buy back 6 years, plus whatever number of years you already have. The maximum you need is 35, so you can likely qualify for a full pension

  19. P.Allen says:

    HI
    Born in 1960 started work 1976 resident in UK all my life.
    How many years to I have to pay to qualify for full state pension?

  20. Hi,

    I am psychiatrist, residing in Vancouver, BC.

    I worked in the UK as a locum in three occasions:

    June 2002 – Dec 2002
    Oct 2005 – Apr 2006
    Dec 2006–March 2007

    I wish to know which options are available to me?

    Regards
    Marie

    • David Morris says:

      Hello Marie, I need to know your date of birth first.

      • Hi David,

        I was born March 25, 1967

        Please let me know if you need additional information

        Regards
        Marie

        • David Morris says:

          Hello Marie, you are not eligible now, but you might be able to become eligible. You will need to have 10 years of credits, and you might have 3 – depending on how much you earned when you were working. You can make voluntary contributions from abroad to get you to the 10. The bigger question is on prior residence. You need to have resided in the UK for a total of 3 years. I don’t know if that means partial years, or full years. The best bet is to apply for a pension forecast.
          If you join us, we can help with that. We will send you an information package on what to do next, including getting your national insurance number and applying for a forecast.

  21. Mohammad Ali Qaiyum says:

    I am a Pakistani C197itizen living in the UAE. I worked in England full-time from April 1971 to October 1978 without any break. Never claimed any unemployment benefit. My DOB is 7th November 1951.
    Am I entitled to claim any pension or allowance once I am 65. I am now retired.
    Thanks for help.

    • David Morris says:

      Hello Mohammad, you are in the group that needs 10 years of contributions to qualify. The good news is that you likely have 8 already, and you can make back voluntary contributions for another 6. That should get you to a partial pension. Don’t delay, though, as you lose the ability to make back payments as time progresses. I suggest you join us, and we will email an information package that tells you how to get started, and how to make back payments from abroad.
      You can join us right on this site.

    • Fabrizio says:

      Hi David
      Am Fab born in Italy in October 1951 now living and working in the UK from 2010 till now am I entitled to any pension at all?

      • David Morris says:

        Hello Fabrizio, as you currently live in the UK, and presumably worked in Europe before that, you need to contact the UK pension office. Pensions in EU countries are handled differently, and I am not aware of all the EU rules. As a guideline, you do get pension credit for any years worked in the EU, but that’s all I know.

  22. Dear David ,can you help me with something ,i am Latvian i worked in Uk since 2006 -2014 ,most of the work was from agency ,now i left for good ,so somebody told me that i can get some pensions what i earned ,is it true ?

    • David Morris says:

      Hello Adrian, if you are still in the UK, or in Latvia, I can’t really help you. The EU pension system is quite complicated, and I am not sure of the rules. This website is primarily for people living in non EU countries

  23. Loretto van der Velde - Higgins says:

    21 March 2016 at 2:41 pm

    Dear David
    Thank you for your prompt reply. A copy of your answer below. I’ve been dealing with the Dutch pension office for years and to my disappointment cannot help me, worse still are unwilling to help me due to complex rules within the EU. I’m considering moving back to to the UK or Ireland in the near future. Would that change my situation as I’m seriously interested in making back payments to qualify for a partial pension? I’m now 59 and paid contributions for 2 years and 10 months in England between 1985 and 1987, where I worked before going to Holland.
    Thank you
    Loretto
    ____________________________________________________________________________________

    Hello Loretto, I didn’t realize you lived in Holland. As you live in the EU, the rules are quite different and complex. I can’t really help you with that. I believe you are supposed to contact the pension office in Holland, as pensions are harmonized in the EU.

    • David Morris says:

      Hello Loretto, Ireland is also within the EU, so that wouldn’t change things. I am not sure what the rules would be if you moved back to the UK. You should be able to buy back 6 years in that scenario. You would really need to contact the pension office in the UK

  24. PAUL D NIBLETT says:

    Hi David , i was born in the UK in 1951 . I worked from 1967 through to 1975 when i worked abroad in New Zealand i then returned in 1978 and Emigrated to Australia in 1988. I worked full time and according to the UK pensions i have 19 yrs qualifying years .
    My wife was born in 1953 and worked from 1968 to 1973 full time . In May 1973 we were Married and from that time until we Emigrated to New Zealand in 1975 she paid a Married Womans stamp .
    We returned to the UK in 1978 and because by then we had 3 children my wife only worked part time . We have been advised that my wife may not be eligible for a Pension due to the reduced contributions , but as she was a Mother of 3 children claiming Child Allowance does she not have these as Qualifying years ??
    Regards Paul

    • David Morris says:

      Hello Paul, she should be eligible for Class 3 NI credits for the time she spent caring for children under 12

  25. Bea Williams says:

    Dear David,

    I am German, born May 1963 and was married to a member of the UK forces in Germany in 1986. We divorced in Oct. 1990. In Germany I worked for a British school as dinner lady between September 1986 and March 1988 also as a and bus escort, unfortunately there is no account of that. In April 1988 til Dec. 1988 I worked again for the British Army in an officers mess, for this there is a NI and also contributions.
    In 1989 I started work in UK, which ended in July 1990 when my son was born in London. I never applied for child benefit or such thing (never knew I could btw) In Apri 1990 I moved back to Germany and have been living here since then.

    The German Pension Office for overseas pensions told me I should have 4 and a half years of contribution in UK. Is it possible to make voluntary contributions towards UK pension, and is it possible to find out whether any contributions were made between June 1986 and April 1998?

    Thank you
    Bea

    • David Morris says:

      Hello Bea, as you live in the EU, the rules are quite different from non EU countries. I can’t really help you with this, as I am not familiar with EU policies on voluntary contributions. I know that pensions are harmonized in the EU, but that is al I know

  26. Colin Broughton says:

    I was born in Oldham, UK in July 1940. All the following occurred in the UK until October 1969. I left school in July 1956 and worked until September 1957. I then returned to full-time education from September 1957 until July 1958. I then worked from August 1958 until September 1960 In September 1960 I began six years of higher education to August 1966 with summer employment in 1961, 1962 and 1963. From September 1966 until October 1969 I worked in industry in the UK. In October 1969 I emigrated to Canada. I was not aware that consideration could be given to include time spent in full-time education into the calculation for eligibility for a UK pension. From the above would you encourage me to apply and if so can you provide contact information.

    Thank you for your assistance.
    Regards.

    • David Morris says:

      Hello Colin, you do not get credit towards a state pension if you are in full time education. You can get credit for part time work, provided your earnings were over a threshold for the year. That threshold has increased over the years, but would be approx. £5,000.
      You needed 11 years to qualify for a minimum pension, and there is a possibility that you have reached that number if you got NI credits for the years you worked part time.
      It does not hurt to apply for a pension statement. You may have the credits. If you don’t, you haven’t lost anything.
      The best bet is to join us. We will give you a complete information package on what to do next, including finding out your National Insurance number

      • Colin Broughton says:

        Hello David. Thank you very much for your prompt reply to my situation. I have read the Financial Report of the Consortium of British Pensioners on your website and fully agree with the two additional scenarios which the UK Government has chosen not to embrace, at present. Keep pushing since the calculations make sense and I do believe your figures regarding returning immigrants who came to the UK from warmer climes would go back to retire in droves if their pensions were unfrozen and in so doing remove themselves from the UK’s social programs. .

        I am pleased to tell you that I have acted on your suggestion and joined CABP today.

        Thanks again, Colin

        • David Morris says:

          Hi Colin, thanks very much for your support !!
          We will keep fighting until we win this thing.

  27. fred morris says:

    hi david.my name is fred morris born feb 1942 bham uk and worked aug 1958 until july 1966 including my apprenticeship.i emigrated to Canada aug 1966.am I entitled to uk pension of any sort?.i was informed that I did not qualify in 2007 as I did not have enough credits,sincerely fred morris

    • David Morris says:

      Hello Fred, unfortunately you were informed correctly. You needed 11 years of work credits to qualify, and you have less than that. Sorry

  28. Hello!I wanted to ask you please could you answer this question for me?if I work as a teacher assistant with an agency.that means I only work during term times,that means no contract,no school holidays paid, will I be entitled at leasta to the minimum pension of 60£a week?in the summer,for instance,I don’t get paid since the middle of July till August..I am a EU citizen.I was not born in UK.Thank so much!Emilia

    • David Morris says:

      Hello Emilia, if you currently reside in the EU, I can’t help you. The rules for pensions in the EU are quite complex. As a general rule though, provided you earned at least £6,000 for the year, and your employer made NI contributions for you, you would be entitled to pension credit for that year.

      • Hello!thank you for the reply..I live in UK..I pay NI,the agency is not paying anything for us,no sick pay,no school holidays paid.There are some months we don’t get paid at all,like July,August and some months I pay only half of the month..depends how long the term is.I pay like 16£a week NI,as it says on my paye slip..we get paid weekly.

        • David Morris says:

          Hi Emilia, if you live in the UK, I can’t really help you. This website is for people currently living abroad. You need to contact the local pension office to find out if you have been building credits towards a pension

  29. Loretto van der Velde - Higgins says:

    Dear David

    About 2 months ago you wrote this:

    Hello Loretto, you can make voluntary contributions until you reach pension age in 2023, plus you can make back payments for 6 years. That should get you to a partial pension. Don’t delay though, as you don’t want to miss out on back payments.

    Now my question is:

    I’m Irish now living in Holland and widowed since 2012. (Dutch husband who never worked in the UK, only Holland)
    I worked in Northampton for 2 years and 10 months between 1985 and 1987 and so did not pay a full three year contrbutions.

    you advised me to start manking back payments asap but every time I ring the number in the UK, its engaged. I wrote a letter but received no answer either. How can I make contact with an office in the UK about making back payments?
    Thanks for any help you may have on this matter.
    Regards
    Loretto

    • David Morris says:

      Hello Loretto, I didn’t realize you lived in Holland. As you live in the EU, the rules are quite different and complex. I can’t really help you with that. I believe you are supposed to contact the pension office in Holland, as pensions are harmonized in the EU.

  30. Jim Canning says:

    Jim Says –

    I was in full time employment from 1978 until July 1996 and paid National Insurance contributions during this full period.

    I have worked in South Africa and Presently work and live in Australia.

    I have not contributed to the UK state Pension scheme during this period away (20yrs) and am seeking information of

    1. what are my entitlements if the situation remains status quo

    2. what do I need to do and who do I contact to discuss and arrange voluntary contributions

    Appreciate that many comments have been made already regarding similar situations but would be hugely grateful if you can provide feedback to my requests.

    Thanks,

    • David Morris says:

      Hello Jim, you certainly are entitled to a substantial partial UK state pension. The partial pension is simply a prorated calculation, depending on the number of years contributions you have. For example, if you have 20 years, and 30 years is the maximum, you will get 2/3 of the full pension. Depending on your age, the maximum will either be 30, or 35 years. You likely have around 19 or 20 years credited, so your pension will either be 19/30ths, or 19/35ths of the full pension. To give you an idea of the amount, in 2014/2015 the full pension was £103.10 a week.
      If you join us, we will send you a complete package on what to do next, including how to make voluntary contributions from abroad

  31. Royce I. Coe says:

    Hello … Everyone is telling me I should be eligible for a small pension from the UK. I don’t believe so but here goes. I was born in the UK Dec 17, 1945. I worked about two years before I left the country. This would have been around 1960 or so.
    What is your opinion and how would I recover anything due? I appreciate your response. Thank you

    • David Morris says:

      Hello Royce, you are of the age that only needed 1 year of work contributions to qualify for a minimum pension, so yes, you should be entitled to a small pension. It will also be backdated to Dec 2010, so you can opt for a lump sum or an increased pension payment.
      The best bet is to join us. We will send you a complete package of information on how to claim your pension. We will also be fighting on your behalf to get that pension uprated annually.
      You can join us right on this site by clicking on this link.
      http://www.britishpensions.com/joinrenew/

  32. David Ward says:

    Hi David.

    I was born in Birmingham, UK in 1949 and immigrated to Canada in 1966. I worked for Co-op dairies, in Birmingham from Sept 1964 to Feb 1966. Would I be eligible for a partial pension?

    Thanks.

    David Ward

    • David Morris says:

      Hello David, yes you are eligible for a partial pension. You also still have time to increase it by making voluntary National Insurance contributions from abroad. Don’t delay though, as you will lose that ability as time passes.

      • Jean Crankshaw says:

        Hello David,
        I was born in Portsmouth UK in April 1945. I worked for the Portsmouth College of Technology from approx. 1 July 1961 – September 1 1966. I immigrated to Canada on 16 Sept 1966 and have lived and worked here ever since. Would I be eligible for a partial pension?
        Thanks

        • David Morris says:

          Hello Jean, you would have needed 10 years of work contributions to qualify. It looks like you only have 6 or 7, and it is too late to make any back contributions, so I am afraid you won’t qualify.
          Sorry

          • Jean Crankshaw says:

            Hello David,
            I don’t understand – I see several comments here from people who have less than 10 years of work contributions e.g. David ward above ‘I was born in Birmingham, UK in 1949 and immigrated to Canada in 1966. I worked for Co-op dairies, in Birmingham from Sept 1964 to Feb 1966. Would I be eligible for a partial pension?’ But you tell this person (and others similar) that they are eligible for a partial pension…Is this a case of one rule for men and another for women???
            Jean

          • David Morris says:

            Hello Jean, unfortunately it is based on when you hit pension age, and for women, they reached pension age at 60, whereas men needed to be 65. Once you reach pension age, you only have 6 years to make back voluntary contributions. You would have reached pension age in 2005, so it is past the point where you can make catch up payments.

    • Keith Skelton says:

      Hello .. I was born in Binbrook, Lincolnshire in April 1943 .. I was educated in UK and entered a Student/Apprentice scheme in Gainsborough after graduating from Grimsby College of Further Education. I worked until Sept 1966 when I left and now live in South Africa. Am I entitled to a UK pension ?

      • David Morris says:

        Hello Keith, you needed 11 years of work credits to qualify for a partial pension. You don’t have that, so no, you are not eligible. Sorry

  33. Julian Fry says:

    My name is Julian Fry- I was born in Tonbridge Wells in 1964, & came to Australia in 1971. I’m now 51, & have been on a disability pension since 2006. I live on my own and I have a 74 y.o. auntie who lives in Herne Bay, Kent. I am her next-of-kin, and she needs a carer to look after her. She does not have anyone else that could possibly look after her.
    I could only afford to become a carer for her if I can get financial support myself. What conditions & criteria do I have to meet so that I can return to England and become a carer for her?
    I’ve had a British passport since 2007. It would make a huge difference to her to know that she has someone to look after her-

    • David Morris says:

      Hello Julian, I am no longer familiar with the benefits available to UK residents. You would not be eligible for a state pension, unless you work there, but there may be other social benefits. You would need to contact the appropriate offices in the UK

  34. Hi, I was born in UK and lived there until the age of 24. I trained as a nurse full time from 1988-1991 and then worked full time until december 1994. I have lived in Ireland for the past 20 years and work part time since 2000. Would I be entitled to anything at all ?

    • David Morris says:

      Hell Ann, as you live in Ireland, you come under EU rules for pensions. They are quite complex, as pensions are harmonized, but generally you should get credit for any years worked in any EU country. You should enquire at the local social security office in Ireland.

  35. Becky Holford says:

    My husband is 50 and I am 59. We are both British Citizens but lived almost our entire lives in Southern Africa, now returned to live in the UK for the past 2 years. We are both working and paying National Insurance. I understood that one must be resident in the UK For a minimum of three years to qualify for any sort of Pension. But I read here that one must have made contributions for ten years.
    Questions:at what stage would we qualify, if at all?
    If we left the country before three years would we qualify for any pension at all? Would we qualify,if we made voluntary contributions from outside the country even if we haven’t lived here for the full three years?
    Or if we left the country within ten years would we qualify still?

    • David Morris says:

      Hello Becky, to qualify for a pension, you need a minimum of 10 years contributions. You also have to have lived in the country for a minimum of 3 years, so if you leave before that, you can no longer make further contributions, so you wont reach the 10 years. If you leave after 3 years, you can continue to make contributions from abroad to get to the 10.
      Your husband can certainly get to 10 years if he makes contributions, but you may or may not, as you may not have enough time. You should talk to the pensions dept in the UK about your situation.

  36. Terence Dingle says:

    Good Morning

    My spouse is moving back to the UK. I will be applying for a spouse Visa. She is British, I am South African. I am now 52 and could therefore work in the UK for 13 years till I turn 65. Would I qualify for a British Pension?

    Thanks

    • David Morris says:

      Hello Terence, yes, the UK pension is based on work contributions to the National Insurance system, so you would be eligible for a partial pension,

  37. Helen Martin says:

    Good Morning, I was born in the UK but my parents moved to South Africa. I am coming back to live and work in the UK. I am 52 years old and would therefore be working for another 13 years till I am 65. Could I buy back the 10 years and therefore qualify for 23 years? If my thoughts are correct what percentage of the British Pension would I be allowed to draw? Could I also then buy a private pension to top up what I would loose?

    Thank You

    Helen Martin

    • David Morris says:

      Hello Helen, if you are working in the UK, you will be building pension entitlement for each year worked. As you do not currently have a National Insurance number, you can’t make current or back contributions. Once you start work you will be able to make current contributions, but not back. With 13 years of contributions you would get 13/35ths of the full pension. I can’t comment on what private pensions would be available in the UK, as I have not been there in many years, but there are certainly retirement savings schemes available

  38. Jim Shepherd says:

    I worked on the UK net from July 1971 to April 1980 since then I have been working in Germany paying German contributions, I asked for a statement which states that I have 8 qualifying years = 157 credits what must I do to get a minimum pension and how much would it cost.

    Many Thanks

    • David Morris says:

      Hello Jim, as you live in the EU, the rules are different for pensions. All EU pensions are harmonized, and the rules are quite different compared to non EU countries. I am afraid I don’t know very much about this. You would need to contact the pension office in the UK

  39. Catherine Sweeney says:

    I worked in the UK from 1982 to 1992. Will I be entitled to a state pension. My date of birth is 9/5/1957.

  40. Elaine Abbott says:

    Hi there, my husband and I immigrated to Canada in 1987. We are thinking of retiring in 5years time. My husband worked from 1974-1987 and I worked from 1977 to 1987. As we aren’t reitiring for a few years, is this a bit early to inquire?
    Many thanks
    Elaine

    • David Morris says:

      Hello Elaine, it is absolutely not too early to enquire. The earlier you enquire, the earlier you can make voluntary payments from abroad, which will increase your pension. If you don’t want to make any payments, then there is no rush, but you really should consider making those voluntary payments to buy extra years

      • I am in a similar situation to this person. I emigrated to Canada in Feb 1989 and had worked 12 years in England. I was born in 1957.

        Please would you comment on whether I should be thinking of making voluntary payments to my English pension.

        I know this is early but would like you comments. I will have to pay taxon the pension in Canad if it is not taxed in the UK

        • David Morris says:

          Hello Sandy, from a financial perspective, it is a very good deal to make voluntary contributions to buy additional pension. The return on investment is very high. Not everybody has the financial resources to make these voluntary contributions, but if you do – it is a good investment.

          • Please would you comment on how I should make these contributions/

          • David Morris says:

            Hello Sandy, your best bet is to join us. We will send you a complete package on how to get started, including making voluntary contributions. We also keep our members up to date on changes to the pension rules that may affect them. We are a not for profit organization, all volunteers.

  41. Hello,

    I am planning to leave UK after 6 years of working and paying tax. When I will reach the pension age, will I be entitled for any pension?

    Thank you.

  42. Hi David,

    How much do I need to pay voluntary NI contribution monthly if I worked in UK only 2 years and I would like to reach 10 years of NI contribution to get at least any part of pension?

    • David Morris says:

      Hello Michal, voluntary contributions are paid annually. Depending on whether you qualify for Class 2 or Class 3, the amounts for 2015 were £143 and £723 respectively.

  43. Paul Wladysiuk says:

    Hello David,
    I was born in September 1952 and worked in the UK from 1969 to mid 1981. both as an apprentice then a Tradesman. Someone told me that You don’t start Accruing Pension Year credits until you are 19 Years of Age. Is this correct, or will I need to Buy Credits to receive a Part Pension. If so is it worth my while paying for Credits. I currently live in Australia.
    Thanks,
    Paul.

    • David Morris says:

      hello Paul, what you were told is not correct. You start accruing pension credits once you are employed, and in fact can get credits if attending school from 16 to 18.
      You likely already have the minimum you need for a partial pension. It may be worthwhile buying back years to get a pension increase too. It is a good financial deal.

  44. David Abbott says:

    I am in receipt of a “inability to work” pension in Italy. It is 2,558 (gross) per month. This is based on work here in Italy. I paid contributions from 1985 until 2010 here in Italy. The disease I have has prevented me from working since 2010. I receive a 10-year bonus in pension contributions because my disease is so serious. My Italian pension is based on my having started work in 1985. However, I was living in the UK from birth until age 24. I have 3 years of NI contributions through work from 1982 to 1985. Is there any way I can have the 1982-85 period integrated into my Italian pension or do I have to make 7 years voluntary payments to get a minimum UK pension. The trouble is, my disease is so serious I will probably not live until age 67. to retire early I had to pass a medical commission board meeting for them to decide that I was unfit for any job at all. The average survival rate of my cancer is 29 months though some do survive a lot longer, that’s just an average. Surely it would be a waste of my money to make voluntary contributions and make my 3 years up to 10 years if I’m just going to die before age 67? Or can the 3 years 1982 to 85 be somehow added to the value of my Italian pension. Here, they just won’t answer my questions. With my present govt bonus they pay me a pension as if I had worked for 35 years, not 25. I also receive a carer’s allowance of 512 euros per month for special needs. From 1977 on my statement it says that as well as 3 years NI contributions paid through work (1982-85) I also have a year “study” from 1977. (I was born in aug 28th 1961). Should I just leave it, or is there any way I can make use of the 3 years work NIs that I paid from 1982 to 85? I assume there is no way of cashing in that money paid in via NI contributions in 82 to 85. Thank you – David

    • David Morris says:

      Hi David, as you live in Italy, you come under EU rules for pensions and benefits. Unfortunately, I can’t help you with that, as I am not knowledgeable in this area. In the EU, pensions and benefits are harmonized, and the rules are quite complicated. You need to contact the pension office in the UK. Sorry

  45. dennis newland says:

    From dennis.newland @hotmail.com.
    Hi I currently get a part UK pension having worked in the Uk as a British subject from 1954 to 1969. I was informed some time ago that when my wife (australian) who is now retired, I could claim a small pension for her. She has now retired at the age of 65 as an australian teacher and we are trying to work out our retirement income. Can you advise how or on what form in what specific department we have to use to apply for this additional payment. Thank you
    Dennis

    • David Morris says:

      Hello Dennis, your wife should be eligible for a spousal pension. I suggest the best course of action is to join us. We will send you a complete information package in how she can apply for a spousal pension

  46. Hello David, My UK born spouse (1949) worked before and through his University years and then immigrated to Canada, working here until his retirement. He applied for and received a small UK pension a while after turning age 65 based on his contributions. But the information they gave him — he would not be able to make contributions to increase his qualifying years.
    Is that correct information that he received?
    At what point or age is someone cut off from buying past years?

    Thanks!

    • David Morris says:

      HI Sheryl, that doesn’t sound correct. Its not that you can buy past years, its that you have 6 years to make a specific years payment. For example, you have up to 2016 to make a payment for the 2010 contribution year. He should be able to contribute for 2010 through 2015 at least

  47. Eser Karatas says:

    Dear David,
    I have been working in the UK since September 2008, I am born in 1977. I have acquired British citizenship (have Turkish citizenship as well) in 2015. My wife is Turkish and we would like to move there. However, I have not had ten qualifying years as of yet. Do I have to stay until September 2018 in the UK? May I pay my contributions from Turkey (I would like to have my retirement there without jeopardizing my rights here)? If I can, could you please advice how?
    Many thanks for your time.

    • David Morris says:

      Hello Eser, I don’t know what pension agreements exist between Turkey and the UK. As a general rule, you can make UK pension contributions outside the UK, so you probably can from Turkey.

  48. Hi,

    I am a citizen of the USA but my spouse has a business in the UK. We have been married over 10 years. Am I eligible for pension? If so, how do I apply or have my information put in the registry so when I retire I will be able to collect the pension amount?

    • David Morris says:

      Hello Claudia, the rules have changed so that spouses can no longer claim a spousal pension. They have to have worked and contributed to the pension scheme in the UK, and built up their own entitlement

  49. Gavin Welsh says:

    Dave

    I was Born in Scotland in 1962 and left Scotland in 2006 to live in Australia. what would be my expected entitlement from my UK pension?
    when i moved here i seem to remember a letter from the Pensions agency alerting me to having nearly 30 years contributions but falling short by X amount.

    can you advise?

    • David Morris says:

      Hello Gavin, you will need 35 years to get a full pension from the UK. The good news is that it sounds like you are well on your way. You can make voluntary payments from abroad to get you the rest. Just make sure you don’t contribute more than the 35 years, as you won’t get any extra pension. The exact pension amount will depend on what the full pension is the year you reach pension age. I believe for those reaching pension age this year, it will be about £156 a week. That amount will change each year by the annual uprate

  50. Hello Dave I was born in the UK Nov 1958 and moved to Canada in 1987 just wondering if I qualify and have heard that the UK pension is changing how will it effect any pension I might receive

    • David Morris says:

      hello Richard, the new rules mean that you will need 10 years of contributions to qualify for a minimum pension, and 35 years to get the maximum. You don’t say how may years you worked, but you can still make voluntary contributions from abroad, and make some catch up payments as well. If you do this, you will certainly qualify for at least a partial pension

      • Hello Dave sorry I started a government work programme in 1975 and went onto an apprenticeship 1976 and worked up to march 1987

  51. Catherine Rodriguez says:

    Hello David,
    I am 37 years old British citizen and have a small pension from working in a school for 6 years, now I am pregnant and need the money as I left the UK 3 years ago, my partner died few months ago and I am returning to have my baby over there, I will be unemployed and I’ve got high risk pregnancy, and while i apply for some sort of benefits I’d need that money. Please help me letting me know my rights and whether i can claim them now that i need them. I will go back to work once my baby let me do it!
    Thank you very much for all your help.
    All the best,
    Catherine Rodriguez
    cathyola@hotmail.com

    • David Morris says:

      HI Catherine, I’m afraid I can’t help you with information. I have not been in the UK for many years, and I don’t know what benefits are available there. I only know about the UK state pension, which you can’t claim until you are 65. Sorry. You need to contact the benefits office in the UK

  52. I was born in 1962 in Scotland. I worked, with the exception of 3 months, from May 1979 until November 2001 in the UK. I moved to the US in November 2001 and have remained there ever since. Do I qualify for the UK pension?

    • David Morris says:

      Hello Ian, you don’t qualify as of right now, as you need 10 years of NI contributions to get the minimum pension. The good news is that you can qualify by making voluntary National Insurance contributions from abroad. It is a really good financial deal. You can even make 6 years of catch up contributions, plus contribute every year going forward

  53. Steve Higgins says:

    Hi David,
    I’m a British national born in January 1965 who worked in the UK from October of 82 till October of 86 when I left the UK. I eventually ended up in Canada in 89. Can I buy back 6 years of pension and then contribute for another 17 years?
    If I were to do this would I have to pay Class 3 or Class 2 contributions?

    • David Morris says:

      Hello Steve, the Government is phasing out all Class 2 contributions in the next year, so it would be Class 3. yes, you can buy back 6 years and contribute going forward until you reach pension age

  54. Paul A. Lewis says:

    Hi David,
    I was born in 1957 and I left UK to emigrate to Australia. in 1977, I had worked in Scotland for four years, would I qualify for a partial pension ?

    Could you come back to me with any details.

    Many thanks

    Cheers

    • David Morris says:

      Hello Paul, you will need 10 years to qualify, but the good news is that you can make back contributions, and then contribute every year until you reach pension age. That will more than qualify you for a partial pension

    • Paul A. Lewis says:

      Thanks David, where do I find out how to make back payments etc.

      Thanks again

      • David Morris says:

        Hello Paul, your best bet is to join us. We will send you via email a complete information package on how to make voluntary payments, get a pension forecast etc. We also keep our members aware of pension developments, including our campaign to unfreeze them

  55. Dear David,

    I am a UK citizen born in 1960. I worked in the UK from 1976 to 85. before moving to the US where I have lived and worked ever since. I am wondering if I am eligible fora UK pension when I retire at 65yo.?

    I appreciate your time and expertise.

    Rob

    • David Morris says:

      Hello Rob, absolutely you can qualify for a UK pension. You probably have the minimum 10 years now, but if not, you can buy back 6 years, and then contribute every year until you reach pension age. That would give you 3/4 of a full pension at least.

  56. I worked in the UK for over 2 years from 1978 to 1980 for a multinational and paid all the taxes and to the state pension system (whatever was the system) and then moved to US in September 1980. I will be 65 in June 2016. Am I eligible to receive any state pension? Is there anything I can do to become eligible, and if so, how much would be the estimated pension. Any pointers would be very helpful. Thanks!

    • David Morris says:

      Hello Sasad. You need to have been resident in the UK for 3 years to qualify for any state pension. You would not qualify on that basis

      • Thanks, David. I should have provided more information – sorry. I lived in the UK from 1974 to Aug 1980 and between the period from 1974 to 1980 right before I took up full-time employment in Aug 1978 I was a student at a local university on the university scholarship. Can the period prior to the employment be counted when determining the requirement of continuous stay of 3 or more years? Thank you!

        • David Morris says:

          Hello Sasad, yes, you meet the residency requirement. You need to have 10 years of credits. You can make 6 back payments, plus whatever number of years you got credit for in the UK. Part year employment can count, as well as full year.
          The short answer is, you are close to being able to qualify. The question is how many years you got credit for in the UK. Without knowing your exact employment history, I can’t answer that. The pension dept would have those records. The best bet is to ask them. You may be just able to qualify

          • Thanks very much, David. You are a great help! Is it possible to contact the pension dept by phone from abroad. If so, is the number they provide on their website the right number for them? I have my National Insurance Number. Thanks, again!

  57. Hazel Shoemaker says:

    My ex husband & I (married 15 years) left England 1967 for Uni in Canada. We both worked, me about 6 years, he did about 7 as at college for 3 years after school. Could I get any pension. At present I live in the USA & get half of my husbands which is very low.

    • David Morris says:

      Hello Hazel, unfortunately you are in the category that needed 10 years of work contributions to qualify. It does not look like you have enough, and it is too late to make any back contributions. Sorry

  58. bill pearson says:

    Hello I have just married an american lady we intend to live in u.s.a 6 months of the year and in uk the other six months will she be entitled to any pension in the uk as I paid in for 44 yrs

    • David Morris says:

      Hi Bill, I’m not sure. Its something that you need to check with the pensions dept. There are no more spousal pensions for anyone who reaches pension age after April of this year. If you are both already past pension age, then she might be eligible.

  59. Loretto van der Velde - Higgins says:

    Hello

    I’ve just been reading some of the queries posted here and would like some advice. I’m Irish, born in Feb 1957, and lived and worked in England from January 1984 to November 1987. In these years I was in full time employment there. Since Dec 1987 I’ve been living in the Netherlands. I was widowed in Nov. 2012 (Dutch born late husband). I’m not entitled to a widow’s pension in the Netherlands nor am I entitled to a partial widows pension from England based on my contributions there. What is my situation regarding a contributary pension in the future from my 3 year’s work in England and can I buy back contributions years at this stage. I’m a freelance worker in the Netherlands and do not pay into any pension fund here.
    Thanks for any advice you may have. Looking forward to your reply.

    • David Morris says:

      Hello Loretto, you can make voluntary contributions until you reach pension age in 2023, plus you can make back payments for 6 years. That should get you to a partial pension. Don’t delay though, as you don’t want to miss out on back payments

  60. Tom Hollande says:

    David,
    My wife was born in the UK in 1964 she worked there for 18 years, moving to Canada in 2001. If she buys back 6 years at 700 pounds per year and she then contributes 700 pounds per year from now till she is 61, will she be eligible for a full UK pension?

    • David Morris says:

      Hello Tom, if your wife was born in 1964, then her state pension age is 67, sometime in 2031. She will need 35 years to get the maximum pension, so there is no value in contributing more than that. If she has 18 now, and can buy back 6, then she needs 11 more to get the full pension. She may have more than 18 already, because they count partial years. She could have 20 already.

  61. Maureen Brown says:

    Sorry I left this as a reply to another post instead of leaving a comment so you’ll probably get this twice!

    Hi David

    I joined your organization last year and have used your excellent advice to find out my NINO and how many qualifying years I have. I received a letter today stating that I do not qualify to make Class 2 contributions for the two years left available to me. I am at a loss since I lived in the UK until I was 23 and have six qualifying years. I also started work in the States the day after I arrived here and have been working here ever since. I was working up until the time I left for the States give or take a week or so when I went on vacation. Any idea as to why I would be denied and is there any recourse? Thanks!

    Born Feb 13, 1951.

    • David Morris says:

      hello Maureen, the Government does not make it easy to get class 2 – plus they are planning to phase out class 2 next year.
      All you can do is write them a formal letter asking for class 2 payments. If you follow the format in MYCABP, that gives you your best shot.
      Its possible that they have started already to deny it, knowing they plan to phase it out next year, but it is still worth while sending the letter

      • Maureen Brown says:

        Hi, David

        I had in fact made a formal inquiry as to class 2 and then received the denial. However, I wanted to pass along to the members that this matter has been resolved. I called the Department of Works and Pensions and spoke to the person who sent the denial letter. He did not understand why I didn’t qualify either and said he just got notification from the HMRC and so sent the denial. He gave me the number to call for International Caseworker at the HMRC. After two or three phone calls, and my faxing proof that I was employed in the U.S. for the two tax years I wish to make Class 2 contributions for, they have agreed that I can make Class 2 contributions and are sending me instructions.

        So…as you stated, it pays to persevere! Just thought it was worth sharing for other members in the same boat!

        • David Morris says:

          hello Maureen, excellent. Well done. I think the Government does this deliberately sometimes. You have to push to get Class 2.

  62. carl odlin says:

    Hi both me and my wife were born in uk, I worked for 5 years in uk before moving over to Ireland, my wife worked self employed for 14 years before moving over to Ireland. Can we check to find out our national insurance contributions, also can we get both english and irish pensions as we have both worked in Ireland for over 10 years, If we need to make voluntary contributions how do we go about this.

    • David Morris says:

      Hello Carl, as you live in the EU, the rules are different. Pensions are harmonized, meaning you do get credit for every year worked in an EU country. The rules are complicated, and I am not up to speed on how the EU works. You need to call your local pension office in Ireland

    • Maureen Brown says:

      Hi David

      I joined your organization last year and have used your excellent advice to find out my NINO and how many qualifying years I have. I received a letter today stating that I do not qualify to make Class 2 contributions for the two years left available to me. I am at a loss since I lived in the UK until I was 23 and have six qualifying years. I also started work in the States the day after I arrived here and have been working here ever since. I was working up until the time I left for the States give or take a week or so when I went on vacation. Any idea as to why I would be denied and is there any recourse? Thanks!

      Born Feb 13, 1951.

  63. Chris Bevin says:

    Hi David,

    I served in the British Army from 1977 – 1989. I remained in Germany after I left and have been here ever since. Having read the thread I assume that I am entitled to a Partial pension. How exactly would I go about claiming this?

    Best Regards

    Chris

    • David Morris says:

      Hello Chris, yes, you would be entitled to a partial UK pension. The best suggestion is to join us. We will send you a package of information on what to do next, and how to get started

  64. Hello,

    I am Irish born (1959) but lived and worked in the UK from 1985 to 1994 (minus about 18 months elsewhere). From reading these comments, I think I may be entitled to some sort of a pension if I make voluntary contributions to get up to the minimum 10 year mark (and beyond?). I have lived in the USA since 1994. Can I join your organization even though it’s Canadian based? And would getting a UK pension, no matter how small, affect my USA social security payments?
    Thanks for any help!

    • David Morris says:

      Hello Brenda, absolutely you can join us. We have members from all over the world. Yes, if you make voluntary contributions from abroad, you can get to the 10 you need, and more. You need 35 for a full pension. Anything less than that is simply prorated. EG, if you have 15 years, you would get 15/35ths of the full pension.
      To my knowledge, receiving a UK pension does not affect your US social security pension entitlement. We have members from the US.

      • Susan Edwards says:

        Hello,

        I am born in England. Came to Canada to live in 1964 ish
        Went back to Englsnd in 1993 and worked there until 1999
        I then returned to Canada

        I am 61 years old
        Can I collect British pension ?

        Susan Edwards
        soozijag@gmail.com

        • David Morris says:

          Hello Susan, you are very close to qualifying. You need 10 years for a minimum pension, and you likely have 8 or 9. The good news is that you can make voluntary contributions from abroad, and also make back payments, which will get you beyond the minimum pension. This is really worth doing. Don’t delay, as you want the option of making back payments as soon as possible

      • Great! I just joined. One last question that you may or may not be able to answer – I worked in Ireland before working in England – can I use my Irish social security payments to bump up my years of work in England? No problem if you can’t answer that one.

        • David Morris says:

          Hello Brenda, only if you are living in the EU. As you live outside the EU, you would have to contact the Irish pension office to see if you can claim a separate pension from them.

  65. steve haigh says:

    hi, i’m born in the UK 1959, worked from 81 to 84, so about 3 years only. i realize this is probably not long enough to qualify for a pension but suppose i was to move back to the UK when i hit 66, would i be eligible for anything?
    thanks, steve

    • David Morris says:

      Hello Steve, it isn’t enough to qualify now, but you have 10 years to reach pension age, and you can make voluntary contributions from abroad. You can also back pay 6 years. That would give you about 19 years, which is more than 50% of a full pension. That’s a pretty good deal.

  66. Hi,

    I worked was born in the UK in 1973, and worked and worked from 1992 to 2007, and so have 15 years of contributions. In 2007, I moved to Canada and still reside in Canada. From what I have read, as I now live in Canada then my UK pension is frozen, and will not increase with inflation. Is this correct? Can I still make UK State pension contributions, so that I would get a full UK pension at 65? Wondering whether it is worth it, if my UK pension is frozen.

    You mention in your article about my spouse receiving a UK pension, even if she hasn’t lived in the UK. How can you apply for this?

    Thanks,
    A

    • David Morris says:

      Hello Andrew, your UK pension is only frozen from when you first claim it at retirement age, not from when you left the country. When you claim at age 66, you will get whatever the current pension amount is at that time – same as everyone else. It is only from that point onwards that you will not get any increases. Even with a frozen pension, it is still financially a great deal to get the biggest pension you can at retirement. It is absolutely worthwhile to make additional voluntary contributions.
      Your spouse can only get a pension if she has already reached pension age. Unfortunately the law is changing in April 2016 to eliminate spousal pensions

  67. Peter Stuart says:

    Hi David

    I am originally British, now Canadian, living in Canada, 68 years old, born 1947. I emigrated to Canada in 1992 and worked full-time in the UK from leaving uni in 1968 until leaving the UK in 1992. My wife is 62, born May 1953 and is Canadian.

    Is there any UK pension we can claim, and if so, how much and how can we claim it?

    Thanks in anticipation of your response.

    • David Morris says:

      hello Peter, good news for you. Yes, you are absolutely entitled to a British state pension. Even better news is that it is backdated to 2012, so you will have the option of taking a lump sum or an increased monthly pension. It looks like you have at least 24 years credit, maybe 26, and can still buy back a couple of years. For a full pension you need 30, so you are pretty close. A full pension today is about £115 a week (roughly $220). If you opt for an increased amount, based on your retirement date of 2012, that amount would increase by about 30%.
      Unfortunately, your wife is not entitled to any pension. If she had been born a few months earlier she would have, but the law is changing in April, so that spousal pensions are no longer given.
      I suggest the next step is for you to join us. We will send you a package on info on getting started, including how to make back payments.

  68. Hi, l have a German wife we have been married for 34 years and she has for the last 23 years been employed full time in England, . Prior to that she has worked for various branches of the forces mostly part time. although she has had a number of full time jobs whilst we were on short term postings. Would she be entitled to claim the full English pension ?

    • David Morris says:

      Hello Philip, it depends on her age, and the number of years she got credit. She will need either 30 or 35 years credit depending on her age. Credit is given based on the amount earned in any year, so part time work can qualify. She may also have the opportunity to buy back some years, and can continue to contribute up until she reaches pension age. She needs to get a pension statement/forecast.

  69. Kathleen McHugh says:

    I was born on 29th August 1950 in Dublin, Ireland. I worked from March 1970 to November 1970 in London. Would I be entitled to part UK pension ?

  70. Hi David

    I am Australian citizen born 1966 who worked in the UK from 1990 to 1996. Also my husband, a British Citizen (born 1967 worked in UK up until 1996, this is when we both moved back to Australia where we now reside permanently.

    I am wondering if we are eligible for any part of the UK pension? If so, how do we go about claiming it?

    Many thanks
    Georgi

    • David Morris says:

      Hello Georgi, yes, you can become entitled to a British Pension if you have 10 years of contributions before pension age. The good news is that you can make voluntary contributions each year from abroad, plus you can buy back 6 years.. Your best bet is to join us. You can join as a family membership online on this site. We will send you a complete information package on how to get a pension statement, make voluntary payments, and potentially qualify for the lower Class 2 voluntary payment. You do not need to be a UK citizen, just to have worked there.

  71. Gail Kabbeke says:

    Hello David,

    I was born in 1960. From the age of 12 I had summer jobs, generally lasting a month a year, where I paid NI contributions. I attended university from 1978 to 1983, but worked each summer for three months. I then worked from September 1983 to Auguest 1987, took a year off to do a postgrad, then worked again from September 1988 to April 1994, when we moved to Canada. Am I correct that I would have around 11 years of contributions?

    Thanks,
    Gail

    • David Morris says:

      Hello Gail, yes, you probably have at least that. You may have more, depending on how much you earned during your part time employment.

  72. Hi
    Do the retired British Gurkha Army personnel qualify for the State pension if their service is more than ten years.
    I don’t know whether they make any NI contribution or not.
    Please respond.

    • David Morris says:

      Hello Nabin, yes, the British army makes NI contributions for its personnel, so you should be eligible for a state pension

  73. Ade Ajiboye says:

    Hi my mother worked in the UK from 1967-1974.She then moved to Africa.She was born in 1939.Is she entitled to anything?She is not a citizen though.Meanwhile her late husband born in 1933 too worked for a number of years in the UK before they both relocated.Can she claim pension?

    • David Morris says:

      Hello Ade, your mother might be entitled. She needed 10 years of contributions to qualify, and she might have that. Her husband needed 11 years, and if he had that, then she would be entitled to a spousal pension. It is certainly worth pursuing

  74. Dear David

    I am a British Citizen born in the UK in 1987. I lived in the UK upto the age of 11 before moving to Africa for my high school and subsequently went to university in Asia. I do visit the UK regularly but have never worked there for a consistent stretch or paid any NI contributions/tax although my spouse has. I am currently working in the Middle East but I eventually plan to go back to the UK. Would I be able to pay NI contributions from now voluntarily bearing in mind I have never worked nor paid any NI contributions/tax in the UK? I do have a national insurance number.

    Thanks for your help

    • David Morris says:

      Hello Salih, yes, if you have your NI number, you should be able to make voluntary contributions from abroad. You can also go back 6 years from this year and make catch up payments

  75. Lesley Tietgen says:

    I was born in England 7-15-45 and lived there until I was 20 yrs old. I went to work at the GPO as soon as I finished school at the age of 15. I got married and moved to America. I still have an English passport and I am thinking of moving back to England to retire. I receive no SS or medicare from America. Will I be eligable to receive health care through the National Health if I move back?. Also what other benefits would I be eligable for in England? My parents were both English and lived over in England. Could you please give me some info on what I can expect if I move back. Thank you.

    • David Morris says:

      Hello Lesley, I can’t really help you with information regarding benefits for residents in the UK. This site is basically for expats living abroad. The benefits available in the Uk have changed over the years, and I am not familiar with what is currently available. You need to contact the various social service agencies in the UK.

  76. Marion York says:

    I hold an EU Passport and a Canadian passport.
    I worked in the UK from 1983 – 1988.
    I was born in 1959. Am I eligible for this program?
    It seems I need to make up 10 years of credits to be eligible… am I a Category B candidate?
    If this is the case, how should I proceed?
    With many thanks in advance.
    Marion

    • David Morris says:

      Hello Marion, you are eligible for a UK pension in your own right. You will need 10 years of credits to qualify, but the good news is you reach pension age in 2025, and so have time to build up your credits by making voluntary contributions from Canada. You also can buy back 6 years from today, so if you take those 6 years, plus the 10 you can contribute until pension age, plus the 7 years you worked there, you should be able to accumulate around 23 years – which is almost 70% of a full pension.
      Don’t delay though, as you don’t want to lose the 6 back years.
      The best course of action is to join us. We will send you a complete information package on how to get started, and how to make voluntary contributions

  77. Born October 1944. Worked in England for three years in the early 60s, then emigrated. Can I now make seven years of contributions through a lump sum payment and receive a pension? If so, any idea what that lump sum payment would be and what pension I would then receive?
    Thanks.

    • David Morris says:

      Hello Pat, it is too late now to make any back contributions, so you would not be eligible for anything. Sorry

  78. Julie Smith says:

    Hello. I was born in England in 1958 and emigrated with my parents to South Africa in 1968. I am now looking to moving back to England. I will hopefully find a job for the next 6 or so years, I am a qualified teacher. Will I be able to buy back pension once I have an NI number? Thank you for such an informative site.

    • David Morris says:

      Hello Julie, yes, you should be able to buy back some pension years once you have an NI number. Typically you can only buy back up to 6 years though

  79. Hilda Robb says:

    Good afternoon.I was born in England .I completed my registered nurse training in1984,then trained a s a Midwife from `1984-1986.I worked at New Cross Hospital in Wolverhampton 2 nights per week from 1987-2001.During that time I was on maternity leave in 1988,and 1990 for 20,and 13 weeks.I moved to Canada in 1991.I am now required to disclose any private pensions I have( as per my soon to be ex’s lawyer) I do not recall having any private pensions,and I’m not sure what my Uk pension is worth,if anything.Where do I go to find out? ,I’ve tried the hospital itself – they don’t have records going back that far.
    Many thanks in advance.

    • David Morris says:

      Hello Hilda, I can’t really speak to the private pension. If the hospital doesn’t have records, whoever looks after their pension system must have them. If they don’t have records of you, then I would suspect you don’t have a pension from them.
      In terms of the state pension, depending on your date of birth, you may be eligible for a partial pension. You would need to contact the Dept of Works and pensions in the UK

  80. dear david,
    i was studying in london between the years 1970 to 1976, my wife gave birth to a girl in 1971 and she was working at a hairstyle saloon till 1976. we don’t have any proof of social security contributions she was born in july 1952. is she eligible to any uk pension. please reply on my email and thank you.
    regards/antonis

    • David Morris says:

      Hello Antonis, I need to know your dates of birth, and where you are currently living.

      • hi David,
        we are currently living in Cyprus – and if you ever visit cyprus just give me a call so that we meet and get to know each other – dates of birth 06.07.51 myself, 02.07.52 my wife and 17.08.71 my daughter.
        thanks for help,
        best regards/antonis

        • David Morris says:

          Hello Antonis, your wife only needs 1 year of work credits in the UK to qualify for a partial pension there. You will need 10.
          However, as you are in the EU, the rules are different. Pensions are harmonized, and I am afraid I don’t know all the rules about that.
          If your wife had deductions made from her pay, then she should be entitled to a partial pension for those years

          • Hi David,
            how can I claim for my wife, since i don’t have any proof of contributions? Where can i find a form to fill for a partial pension?

            best regards/antonis

          • David Morris says:

            Hello Antonis, if either of you worked in the UK, your employer would have made National Insurance deductions on your behalf. These would be on record at the Dept of Works and Pensions.
            As you live in the EU, the process for applying is completely different than if you live outside the EU. I can’t help you with that as I do not know how the EU system works.

    • Date of birth February 3, 1951. Will be 65 in February. All ready getting British pension. Bought back some years a few years ago. Now getting 75 pounds a week. Worked in UK for 7 1/2 years before coming to Canada in July, 1975. Have worked in Canada approx 40 years. Can I still buy back years for UK pension. Thank you

      • David Morris says:

        Hello Liz, you may still be able to buy back a couple. It would depend on what years you already bought back.

  81. lawrence.king says:

    I was born in 1959 and worked full time in the UK from 1978 -1981 and then studied for 4 years before working again full time. In 1998 I moved to France where I have also been in permanent employment ever since. The gaps in my UK NIC statement are during the period when I did my Degree followed by my Masters 1981 to 1985. My French colleagues are able to buy back or purchase extra years spent studying before retirement (rachats des trimestres pour etudes longue) to top up their pension but when I asked the French authorities they told me I was not eligible to do this as I was working in the UK and not in France straight after my studies. Does or will the UK system allow me to purchase these missing years using UK voluntarily contributions?
    When I retire in France I will be entitled to receive pensions from both countries covering the respective periods of contributions for each country.
    Thanks in advance for any help.

  82. Fran Harrison says:

    I am in the process of obtaining an Ancestry visa to the UK from SA which means I’ll be working in the UK hopefully for the next 10 years. I am 59 years old – is there a cutoff or maximum age at which one can begin National Insurance contributions to get the required 10 years?

    • David Morris says:

      Hello Fran, you can not make NI Contributions for any years past when you reach pension age. You can still make back contributions for any missed years prior to that – up to 6 years – but you can’t contribute for any year going forward, once you reach pension age

      • Johan Ellis says:

        Hello Mr. Morris

        I lived and worked in the UK for 6 years paying my monthly contributions. Unfortunatly i had to come back to South Africa due to my father passing very suddenly. My working Visa was cancelled and I was not allowed back.

        What happens to my pension for those years worked?

        Thank you

        Kind Regards,

        Johan

        • David Morris says:

          Hello Johan, depending on your age, you have the opportunity to qualify for a partial UK pension. You may have to make some additional voluntary contributions from abroad to meet the minimum threshold for a partial UK pension. What is your date of birth ?

  83. Jonathan says:

    Dear David
    I live in South Africa and worked in the UK for some years in the 90’s.I am a British citizen.
    I have written to HM Revenue and the pensions office and have since been advised that:

    – I have 8 qualifying years (currently worth £ 30,92 per week) for years worked in UK -I was there only 5 years but they seem to want to give me 8!!;
    -I reach state pension age Jun 2033 ( I am 49 years old);
    -They have accepted my Class 2 application for NI payments;
    -They have provided me with a spreadsheet setting out payments to make 2006 -2015 on Class 2 scale at about £ 137.80 p/w or combined total of £ 1245.60 for combined years 2006-2015;
    -That I can keep paying in yearly until retirement age.

    What I would like to ask you is whether the above figures would achieve a full state pension?
    Do you think this is a good investment and worth it?
    Should I make the payments now or should I wait until April 2016 when the new scheme comes into effect with new scheme rules?
    As I reside in a country with no agreement with the UK and pension inflation will be ‘ frozen; -what do we do to also protest against this ?
    Apologise for so many questions and appreciate any thoughts that you may have.
    Regards
    Jonathan

    • David Morris says:

      Hello Jonathan, you will need 35 years for a full pension. Using your figures, you have 8 now, you can make another 10 to catch up, and you can make another 18 going forward. That will give you the 35 you need for a full pension. In terms of being a good investment, absolutely it is. For 1 Class 2 payment of £137.80, you get 1 year of pension. At todays rates, 1 year of pension gives you £199 a year for life. The payback on your pension contribution is less than 1 year. That is the best deal anywhere.
      You should make the payments now. Any payment you make now buys you a year of pension when you reach pension age. Buy them now, as the cost of buying just goes up. Also, they are talking about phasing out Class 2 in 2017, so take advantage while you can.

      To protest against the freezing, the best bet is to join us. We have a number of members from S Africa, and we are working hard to lobby the UK Government.

      • Dear David

        Thank you for your fast reply and I intend to join up with yourselves in hope of a fair deal for us all.

        Best regards
        Jonathan

  84. Linda hopwood says:

    Hi David
    Born jan 1957 worked in uk July 1972 – Jan 1987 (14 1/2 years) lived/worked in NZ Jan 87 – June 89
    Loved/worked in Australia June 89 – present
    Looking to move back to uk 2-3 years – do I qualify for uk and Australian pension
    Thank you

    • David Morris says:

      Hello Linda, you certainly qualify for a UK pension, and you can continue to pay into that pension from Australia to increase it. If you are moving back to the UK, you should seriously consider making those voluntary payments. If you join us, we will send you an information package on how to do that
      I can’t comment on the Australian pension system as I am not familiar with it. If it is a contributory system, I suspect that you will qualify for some pension from Australia.

  85. Sarah Hill says:

    Dear David,
    I was born in England in March 1984 and moved to the USA in 2002 .I worked in England in 2000 when I was 16 for 2 years. I am currently living in America as a US citizen. I was wondering when I retire will I be eligible to receive benefits from the UK pensions? If not how could I start planning and thinking ahead of time ?
    Thank you

    • David Morris says:

      hello Sarah, you will need 10 years of pension contributions to qualify for a minimum pension from the UK, and 35 to give you a full pension. The good news is that you can make voluntary contributions from the US, to build up your pension entitlement. You reach pension age in 2052, so you can make annual payments until then, which will give you a full pension. It is a very good financial deal to do that.
      If you join us, we will send you a complete package of information on how to go about making pension contributions from abroad, and how to get a pension forecast from the UK

  86. susan linda heaton says:

    I was born in England 1949 moved to Australia 1973. I worked from 1963 to 1973 in uk .would I be eligible for any part pension .
    thank you

    • David Morris says:

      Hello Susan, it is very possible that you qualify for a partial UK pension. You are in the age group that needed 10 years to qualify for a minimum pension, and you may well have that. It would depend on whether you opted to pay the married woman stamp in the UK.
      If you join us, we can help you find this information out.
      if you are eligible for a pension, it will be backdated to the year you reached pension age, which is 2009

  87. I born in Hong Kong in 1957, and I have dual nationality (Canadian and British). At present, I live and work in Hong Kong. I first immigrated to UK in 1973 and completed my university degrees in 1982. I worked in UK during the period of Oct 82 to Dec 83. In Jan 84, I went back to university in UK for doing further research. Then, I was employed in UK the second time between the period Mar 87 and Jun 89. On Jul 89, I immigrated to Canada. During the time I worked in UK, I have made NI contribution.

    I wish to retire back to UK when I am 65. I will be interested to hear your opinion on the best option for me to buy back some of the NI contribution etc. to maximize my UK State Pension at the retirement age.

    Thanks in advance.

    • David Morris says:

      Hello Chi Ng, you will need 10 years of NI Credits to qualify for a minimum pension. The good news is that you are still able to make voluntary NI payments from abroad. Your best course of action is to join us. We will send you a complete information package on how to get started, and how to make voluntary contributions.
      Don’t delay, as you can make payments for prior years, but you will lose those years as time goes on.

  88. Hi, I posted this a few days ago but did not receive a reply. Trying again!

    I was born in 1958 in the UK, worked there from approx 1983 to 1987. Would I qualify for class 2 contributions? Thanks!

    • David Morris says:

      Hello Carole, sorry I missed this. The rules for Class 2 are a little tricky, and the DWP have a habit of changing them. If you are a member, we explain them in the information package we provide.

  89. John Sherratt says:

    I was born in Birmingham in March 1948. My mother brought me to Canada in 1951. I lived and worked in the UK for approximately 3 years from 1977 to 1980. I have no idea what I may have paid into the UK pension system during those years. I am now receiving a pension in Canada but am thinking of moving back to the UK to retire. How can I find out what benefits I may be entitled to, if any.

    Thanks very much

    • David Morris says:

      Hello John, you are certainly entitled to a minimum UK pension here in Canada, as you only need 1 year of work to qualify. You also have time to buy back some additional years, but you shouldn’t delay on doing that, as you will lose those years eventually.
      In terms of benefits back in the UK, I can’t really help you there. They have all changed since I was there. You would need to contact the local offices in the UK. The first thing you should do though is focus on getting the maximum UK pension you can right now.

  90. John Wilson says:

    Hello David.
    I was born in the UK on August 2, 1951. I worked summer jobs at school and university, 1967 to 1974. and full time from summer 1974 to summer 1975. I then worked in Africa from 1975 to 1977 and back in UK for the summer of 1977. Since then I have lived and worked in Canada. Am I eligible for a partial UK pension and, if so, what is my situation as far as making voluntary contributions? Would they be worth it?
    Thanks.

    • David Morris says:

      hello John, you reach pension age next year, under the new legislation. You will need 10 years of NI contributions to qualify. Its difficult to know how many you currently have. Its quite possible that even your summer jobs may have counted as eligible years. It depends on how much you made, and whether NI was deducted.
      You also are able to make back payments. If you can reach the 10 year minimum by making voluntary contributions it is absolutely worth it.
      If you join us, we will send you an info package how to get started. The first step is to find out how many current years you have credited, and we tell you how to do that.
      Don’t delay though
      .

  91. Brie Curry says:

    I just began receiving my U.K. State Pension this year, which is paid directly into my bank account in CAD. However, I have not received any paperwork or receipts from Tyneside detailing rate of exchange used, any bank fees deducted, etc. and I am now wondering will they send me an income tax receipt as proof of amount received for me to declare on my Canadian income tax return? Otherwise, how can I prove the exact amount of this foreign income without any paperwork? Thank you in advance for any help you can offer.

    • David Morris says:

      Hello Brie, unfortunately Tyneside do not send any tax receipts or statements. You may be able to request one, but they do not normally send receipts of any kind. The simplest approach is to declare the net amount paid into your bank in CAD, as the actual pension amount received. This amount is net of all fees and currency exchange

  92. hello, I have a good question.

    Im English born in 1965. I worked in UK from age 18 contributing to the state pension until 1996.

    I lived in Turkey and contributed to the Turkish state pension for about 5 years

    I am now in Germany and have contributed about 4 years into the german state pension.

    Yes.. my question is, can I collect 3 separate pension or can I combine 2 or 3 to get one?

    Greetings Ian

    • David Morris says:

      Hello Ian, I can’t really help you here. As you are in the EU, the rules are different from non EU countries. I believe that the pensions are harmonized in the EU, and that you will get one pension, consisting of the entitlements from all three countries, but I am not an expert in the EU system. You need to contact the pension authorities in the country you are now living in

  93. Dear David,
    Born in Uk in Sept 1953 I worked before marrying then we spent years living abroad. Divorced in 2001 when living in Australia. I contacted UK NI and paid voluntary contributions and was told I am now eligible for the full state pension, originally in 2017 but now the date is March 2018. I currently live in Australia and work full time. I hope to retire but have been told different things about pensions. If i receive the UK pension, then does that mean I don’t receive an Aus basic pension?? Also I have very little Aus superannuation having gone back to work after the divorce. I still have a mortgage on my house, so i presume this as my primary residence will not be taken into the asset test. But which country will give me a pension, UK or Aus . I presume I cannot receive both. It is confusing, can you please help.
    thanks

    • David Morris says:

      Hello Karen, you can certainly receive both a UK and an Aussie pension. Lots of people do. Depending on your assets and income, you may lose up to 50% of the Australian basic pension, but you can receive the full UK pension and up to 50% of the Australian basic pension

  94. Hi, I’m not yet of pension age but planning for the future (so I appreciate things could change). My DOB is April1966, and I moved to Canada 5 years ago, after clocking up 25 years of contributions in the UK. I also have a property in Spain and the long term retirement plan is to spend 50% in Canada and 50% in Spain. As UK state pensions payments and increments are frozen for recipients in Canada, if I spend more than 50% in Spain, will they then be unfrozen and subject to annual increases?
    Thanks.

    • David Morris says:

      Hello Cherry, if your primary residence is Canada, for any time spent in Spain your pension will be unfrozen, and you will get the full unfrozen amount for that period. It will be paid into your Canadian bank account.
      If your primary residence is Spain, then your entire pension will be unfrozen, but it would need to be paid into a bank in Spain.
      Deciding which is your primary residence is tricky, and affects lots of things other than pension

  95. I was born in 1958 in the UK, worked there from approx 1983 to 1987. Would I qualify for class 2 contributions? Thanks!

  96. Mal Rawlings says:

    Born in the UK Oct/52, came to Canada in 54, moved back to the UK in Nov 82 and worked there until April 1988. can i apply for a UK pension, what extra contributions to i need to make and what benefit would i likely receive?

    • David Morris says:

      Hello Mal, you will need 10 years to qualify for a minimum pension. You likely have 8, or so. The good news is that you have time to make some back contributions. You reach pension age in 2017, so don’t delay. You can make at least 6 back payments, plus another couple going forward. That should get you to maybe 16, which is pretty close to 50% of a full pension.
      If you join us, we will snd you a package on how to get started, including how to make back payments, and get a pension forecast

  97. sarah pleydell says:

    Dear David,

    I am a british citizen born in 1953. I have just received a packet from the inland revenue telling me when and how I can apply for a pension. I left the UK before paying any national insurance but was married to someone who paid into it for two ears. I presume I am ineligible and that this was only a formality.

    Thank you

    • David Morris says:

      Hello Sarah, under the new legislation, you will not be eligible for a pension based on a spouse contribution. You would need 10 years of contributions to qualify for a minimum.
      As you have no work record there, you would not qualify

  98. rosalind archbold says:

    not sure if you can help me but here goes. i am resident alien in usa and worked 27 years and claimed reduced ssn at age 62, now i am age 65 and claimed my uk pension from working 9 years in uk paying national insurance around 1966-1974. they are also sending me a deferred letter to claim back uk pension i am entitled to and going to start paying my uk pension her in us, all seemed well but now i have received a windfall elemination provison forms to fill in which state they might reduce my ssn due to i have not worked 30 years in us and had foreign employment, i am not understanding as i paid national insurance contributions in uk and they are now paying my uk pension? my dob 12/27/1950. i feel the wep is not applicable to me?? thanks roz

    • David Morris says:

      Hello Rosalind, I’m afraid I can’t help you with the issue in the US. I don’t know anything about the SS system there, or the Windfall provision. You need to discuss it with the SS office in the US.

  99. Mukhtar Hussain says:

    I worked 10 year in UK and British national how much i get Pension . I paid 10 years national insurance

  100. Hello.
    I was born in 1961, but only worked in the UK from October 1990 until November 1992, before moving to Canada. It doesn’t look like I would be eligible, but I just thought I would verify.
    Thanks!

    • David Morris says:

      Hello Andrew, you will need 10 years to qualify, but you have lots of time to make voluntary contributions from Canada. You can even make some back payments for prior years. It is a really good deal financially to do this. You CAN become eligible for a UK pension

      • marion rickert says:

        I worked for 9 years in uk and only get a graduation pension once a year less that 20.00 when in December will this be deposited into my bank account, it seems it should be in by now but have not received it

        • David Morris says:

          Hello Marion, I can’t really help with that. If you have a question about your pension deposit you need to contact the pension office in the UK

  101. Kathryn Skov says:

    Dear David,

    I wonder if you can help me before I open the Pandora’s Box of the Spanish administration!

    I have paid the full 30 years as a voluntary contributor to the UK system and now I receive the full basic pension of 115.95 x 52 weeks a year which is brought into Spain and taxed as income because I’m still working.

    However, I’ve also (so far) paid 24 years in Spain as a self employed worker at the minimum rate of 265€ x month and will continue to do so until 2020 when I’ll be 68 years old giving me 29 years of Spanish contributions.

    Here’s my question. I’m not in the same situation as the majority of people who have made10 years contributions in one European country and 5 in another so Spain may add this to contributions in Spain to make one complete retirement pension of 35 years.

    I have a full 30 year UK basic pension and will have 29 out 35 years paid in Spain. The Spanish self employed pension wouldn’t keep a bird alive which is why I’ve done this, ( both pensions togther come in well under the taxable limit).

    Can you advise me as to whether I’ll be able to have two distinct pensions directly related to the years paid and one won’t be deducted from the other?

    I would appreciate some help!

    Many thanks

    • David Morris says:

      Hi Kathryn, we don’t just help Canadian residents, but all pensioners affected by frozen pensions. As part of the EU, your UK pension will be uprated annually. If you lived in Canada, or Australia, or one of a number of other countries, your pension is frozen for life.
      In terms of your pension, I am not an expert in EU rules, but I believe pensions are harmonized, which I think means you can’t collect two pensions, only one.

      • I am not sure what you mean in your answer that ” you can’t collect two pensions, only one. I have worked in two countries – I collect two pensions – my UK and my Canadian – declare them both on my Canadian Annual Tax Return

        • David Morris says:

          Hello Mairi, this answer referred to people that live in the EU. Pensions are harmonized there, and you get a single pension. In Canada you can collect both, because there is no pension agreement between the Uk and Canada

  102. My mother was informed that she might be eligible to receive my late father’s pension. I tried contacting the hospital he worked at while he was in the UK but they no longer had his file. How would she go about this? I have some dates and addresses for him, but not much. Should I just try calling the British Consulate office?

    • David Morris says:

      Hello A.M, I need more information before I can help you. What is your father and mothers date of birth, and where is she living now ?

      • David,
        I was born in Scotland in Feb 1952 and moved to Canada in March of 1982. Now 63 and worked in England for approx. 22 years and the rest in Canada, what benefits if any am I entitled to from working in England for those years? If I am entitled to any benefits how to I apply for these?

        • David Morris says:

          Hello HTD, absolutely you will be entitled to a UK State pension. You can also buy back up to 6 years to increase it. My best advice is to join us. We will send you a complete package of information on what to do next, including how to get a pension forecast, and make back payments.

          • alwyn wilkinson says:

            Hi i work in the UK from 16 to 34 years of age and also had a National Heath pension Im now a USA citizen and have work in the USA for 21 years now , im nearing 57 and need help and advise on weather i should get my UK pensions , i realize my wife who is a USA citizen and never work in the UK is entitled to 60 % at some also she is 6 years younger than me what should i do how much is you service to get the ball rolling i f paying into the system is a good idea please let me know thanks Alwyn

          • David Morris says:

            Hello Alwyn, you certainly will qualify for a UK pension, however your wife will not. You also have the ability to make extra payments to give you a bigger pension. If you join us, we will help get you started on what to do next. You can join us online on this website.

  103. I live in Cape Town. I am receiving my state pension monthly into my bank account. My question is how will the UK pension know when I die?
    It worries me because surely they must check up regularly to make sure I am still alive and eligable?

    • David Morris says:

      Hello Jacqui, the pension dept sends out life certificates at random intervals. You are supposed to sign them and have them witnessed and returned. if you don’t return them on time, your pension will be stopped, so it is very important to act on these quickly if you receive one.

  104. David Smith says:

    I was born in England April 20th 1952 and worked there as an apprentice and journeyman from September 1968 till March 1973. I then emigrated to Canada and have lived here since then. It appears I might be eligible to receive the 1/3rd pension after make up payments. I do not know my NI number. Please advise if you think it worthwhile to pursue this and how I should go about it.
    Thanks, David.

    • David Morris says:

      Hello David, you will need 10 years of contributions to be eligible for a minimum pension. You already have 7, so you need 3 more. The good news is that you can make back payments of at least 6 years, plus contribute going forward, which will get you there.
      Financially it is absolutely worthwhile to make those voluntary payments to qualify. We can help you get started. if you join us, we send you an information package on how to get started, including how to find your NI number, and how to make voluntary payments. Don’t delay, though, as you want to be able to make those 6 catch up payments

  105. Andree March says:

    I am wondering if I am entitled to a UK pension. DoB December 25 1945, worked in the UK from
    January 1962 until July 1973. Moved to Canada August 1973.
    thank you.

    • David Morris says:

      Hello Andree, yes, you are most likely entitled to a Partial UK State pension. You needed 10 years of work, and you appear to have that. Any pension you are entitled to will also be backdated to when you reached pension age.
      If you join us, we will get you started on what you have to do to claim it.

  106. Hi,
    my mum (born in october 1953) is living now in Uk where soon she will get married with an English citizen. She was working in Italy for 14 years. I’m wondering if she will ever be in title to have a pension in UK, if yes can You please tell me what she has to do, which documents she may need to bring from Italy and when she may have a pension?
    Thank you,
    camelia

    • David Morris says:

      Hello Camelia, I can’t really help you, as this website is for support of pensioners living outside the UK. Your mother needs to contact the local pension office where she lives in the UK.

  107. Good day, David,
    On the UK pensions website is says “You’re a man born after 5 April 1951 or a woman born after 5 April 1953:
    You have until 5 April 2023 to pay voluntary contributions to make up for gaps between April 2006 and April 2016.”

    How would one apply to pay contributions for this 10-year period? This is, of course, longer than the standard “payments for the last six years” rule.
    Many thanks,
    Peter (CABP member)

    • David Morris says:

      Hi Peter, because of the new pension legislation coming in 2016, the Government has decided to basically allow people a little longer to make their voluntary contributions for that period. This is a one time thing, that only affects the 2006 to 2016 contribution years. You can only make those payments if you have a gap for those years. If you do have a gap, and want to make a payment, you would do it in the normal way. You can find the details of how to make a voluntary payment in the MYCABP document you would have received on joining CABP.
      If you don’t have it, you can telephone the office and they will send you the latest version

  108. Thomas MacFarlane says:

    Dear David,
    I was born Nov 1952 and worked in teaching and other jobs from age 16 to 28 when I left UK for Canada. My question is whether I qualify for a pension in 2017 (65 years of age) and how to go about claiming this.

    2nd question is regarding my wife who worked in UK from 1974 to 1981 (7 years) before returning to Canada. Is she eligible for a pension as she seems to miss out due to this new pension ruling – her birthdate 23rd April 1953.
    Thanks for any suggestions.

    • David Morris says:

      Hello Thomas, yes you qualify for a partial UK pension. You also are still able to make voluntary contributions, and pay back up to 6 years. That will increase your pension amount. Your spouse will not qualify as it stands now. She will need 10 years, and only has 7. The good news is that she still has time to make 6 catch-up payments for prior years, and that will qualify her. Don’t delay though, as her ability to make back payments will be lost over time.
      The best thing to do is join us. We will send you an information package on what to do next, including how to make voluntary payments

  109. Graham Evans says:

    Greetings…

    so being born Feb 1959 in UK and working there in a combination of employed and self employed until 2006 then I should qualify for a full UK pension at 65 and my Canadian wife should also qualify for something?

    If so that’s outstanding and I need to pass that info onto my financial advisor.

    I am actually retiring this year at 56 but by 65 everything will be welcome :)

    Regards

    Graham

    • David Morris says:

      Hello Graham, if you have 35 years of contributions, then you will get a full UK pension. If you don’t yet have 35, you can make additional contributions to get you there. That is indeed outstanding. Unfortunately, if your wife reaches pension age after 2016, she will not qualify for anything. The law is changing them to abolish spousal pensions.
      Your pension, once you get it, will not be indexed to inflation, which is why the Canadian alliance of British Pensioners exists. We are a not for profit group, lobbying the UK Government to change their discriminatory practice.
      If you join us, we will send you a complete information package on what you need to do next. You will also be helping the cause

  110. terry noble says:

    dear David

    I was born in England in June 25 1955, I started work in 1970 and left for South Africa in 1977. How much would I need to contribute to make up a 10 year contribution and how long do I have to pay ?. I have got an NHS number.

    Regards
    Terry

    • David Morris says:

      Hello Terry, you likely have 7 or 8 years already (depending on the dates you started and stopped working), so you need 2 or 3 more. You can also make more payments, to get you beyond the minimum. You can make 6 back payments, for years prior to 2015, and you can contribute up until you reach pension age.
      The amount you pay will be based on whether you can make Class 2 or Class 3 Payments (Class 2 is a lot cheaper)
      If you join us, we will send you a complete information package on how to get started, and how to make voluntary payments

  111. raymond anthony allen says:

    hello i was born 15-11-51 i worked in britain until 1976 i went to work in danmark i came back for4 months and find work, in 2005 i would like to know if i can for pension from england.

  112. Ron and Jean McLevy says:

    I was born in 1931 and my wife in 1934- I worked in Dundee from age17, was in the army from 18-20 then worked until we emigrated to Canada in 1954 – I contributed enough payments to allow me to get the basic pension and also for my wife-my question is , “is there any way we can contribute,or some other method of investing money for our retirement, respectfully, Ron and Jean McLevy

    • David Morris says:

      Hello Ron, if you are talking about the state pension, it is too late to make any additional contributions.

  113. Geoffrey Saunders says:

    Sorry, just saw this page applies to expats in Canada.. I’m an expat in the US.

    • David Morris says:

      Hello Geoffrey, we have members from all over the world, not just Canada. If you join us, we can help. We will send you a package of information on how to get started, including how to find your NI number, and how to make additional voluntary contributions

  114. Alan Kinnaird says:

    Dear David, I was born in England May 21 1944 and worked there from age 16 to 21 and then emigrated to Canada in 1965. I went back and worked there again for approx. 20 months 1987 to 1988 and then came back to Canada again until the present day. So I have approx. 6 to 7 years work in U.K. Would I be eligible for any U.K. pension with perhaps a top up and if so where would I find out what that top up might be.
    Thanks for your help….Alan.

    • David Morris says:

      Hi Alan, unfortunately, you are of the age that needed 11 years of credits to qualify for even a partial pension, and it is now too late for you to make any top up payments. Sorry, but I don’t think you will qualify.

  115. Linda Mulvey says:

    I was born in Scotland July 16, 1954 and worked for 4 years until I immigrated to Canada on July 19, 1974. Would I be considered for a UK pension and can I contribute to the pension plan.

    Thank you for your time.

    • David Morris says:

      Hello Linda, you will need 10 years to qualify for a partial UK pension in 2020. The good news is that you have the ability to make pension contributions from Canada up until 2020, plus you can make 6 years of back contributions to catch up. That will more than qualify you. You shouldn’t delay though, as you want to make those prior year contributions. If you join us, we can help get you started on how to do that

  116. Jaclyn Kader says:

    Hello David, born in England in 1962, I worked there from the time I left school in 1978 until March 1981. What would I be entitled to and what is the first step?

    • David Morris says:

      Hello Jaclyn, you will need 10 years of pension contributions to qualify. The good news is that you are eligible to make pension contributions from abroad. You will reach pension age in 2029, so you have lots of time to make those contributions, plus you can make catch up payments for 6 prior years. You are right to be thinking about your pension now, as you still have the time to build up entitlement. We can help you get started. if you join us (we are a non profit group, manned by volunteers), we will send you an information package on what to do next.

  117. Brian Thomas says:

    Dear David,
    I was born in 1949 and worked for one company from 1964 – 1970 ( age 15-21) before migrating to Canada.
    I receive Canadian CPP, OAP & a company pension. Would I be entitled to a portion of UK pension, or are my contribution years too small?
    Regards

    • David Morris says:

      Hello Brian, absolutely you are entitled to a partial pension. You only needed 1 year of contributions to be eligible. You also still have time to make some catch up payments which will increase it. Don’t delay, though. As you will lose the ability to make back payments as time goes on

  118. Hi David,
    I was born in 1956 and lived and worked in the UK until 1988 when I came to Canada.The last 10 years in the UK I was a firefighter,it appears I will be eligible for a UK pension of some sort, but what about he Fire Fighters pension I contributed to ? will this affect the UK pension, should/ could I top up ?

    Cheers………Chris

    • David Morris says:

      hello Chris, yes, you will be entitled to a UK state pension, and you still have time to make contributions which will increase that. Don’t delay in doing that, as you lose the ability to make catch up payments over time. In terms of the fire fighters pension, I can’t really speak to that. You need to contact the organization you worked for to find out what happened to your pension. It would not affect your state pension eligibility in any way, though.

      • Thanks for the information David, I am just about to sign up, look forward to getting the package

        Cheers……….Chris

  119. David Moore says:

    I worked at an outdoor clothing store between July 1963 and March 1964 at which time I paid national insurance. After this I worked for the Middlesex County Council/Greater London Council from 1964-1967 and the Severn River Authority 1967-1970, prior to moving to Canada. I have no idea of my NI number. Do you think I would qualify for a small British pension and if so how do I go about it?

    • David Morris says:

      Hello David, yes, you are most likely eligible for a partial UK pension. I need your date of birth to provide more specific information. The best course is for you to join us. We will provide a complete package of information on how to get started, including obtaining your NI number

      • David Moore says:

        My date of birth is 23rd March 1946, I was in fact born in Canada (Hamilton) mother being a war Bride, Family return to England Dec 1946 and as already stated I returned to Canada in 1970

  120. I was born in England on May 14, 1954 and I worked in England from 1969 to 1974. I moved to Canada in 1974. My husband who is receiving the British Pension was born in 1948. Since the new British Pension rules do not allow me to receive the spousal British Pension I am now looking into whether I am eligible to receive a partial British Pension. I not presently working having retired last year after 20 years of employment in Canada. Thank you for your advice.

    • David Morris says:

      hello Sally, under the new rules you reach pension age in January 2020.You will need 10 years of work credits to qualify for a partial pension in your own right. You likely have 5 or 6 already, plus you can contribute back 6 years, plus you can contribute from now until 2020. That should give you 17 or 18 years credit, which will certainly give you a pension.
      Don’t delay though, as you will lose the ability to buy back years as time moves on.

  121. angela susan pettrone says:

    Hello.I was born on 6 june 1953.I have 7 qualifying years.I have lived in Italy since 1976.I did get a pension forecast ,telling me I was due for my British pension in March 2017.(£23 a week)What happens now ???

    • David Morris says:

      Hello Angela, as you live in the EU, the rules are very different than the rest of the world. I cant really help you with that, but I think you need to apply to the pension office in Italy, and they should coordinate you getting your UK pension as well

      • angela susan pettrone says:

        Thanks David.Actually I already have my Italian pension having worked here in Italy for 30 years.I combined my 7 qualifying years from England to get that. I had a pension forecast for those 7 years for my British Pension in 2012. but now i suppose I will have to get in touch with the pension ofince in England.

        • David Morris says:

          hello Angela. EU pensions are harmonized. That means that you don’t get the same pension twice. If you combined your UK pension towards the Italian pension, you can’t claim the UK pension separately.

  122. Dear David: I emigrated to London in October of 1979 after I got married to a UK resident. I work there for a little over three years. However my then husband went to high school and collage there and worked until 1967. I left in December of 1986. I think my ex emigrated there around 1974 or 1975. would I be eligible based on his years of work there to receive a pension. We were married for 23 years.

    • David Morris says:

      Shelly, depending on your age, you may be entitled to a partial UK pension in your own right. In terms of entitlement to a pension based on your ex’s record of work, I can’t really answer that, not being a lawyer. My guess is that you are, but that also would depend on your age. If you reach pension age after 2016, all spousal based pensions will be eliminated, so you wouldn’t be entitled to one. If you reached pension age prior to 2016, you might be entitled to one based on his work record, but you would need to check with your lawyer, and the DWP

  123. Bernice B says:

    Dear David – I went to college, worked and married in England (still married but separated) working during the years 1974-1979. I was born in 56 in Canada, would I qualify and if so at 65? Could I top up and what would be options be.
    Thanks

    • David Morris says:

      Hello Bernice, provided you lived in the UK for at least 3 years, and have at least 1 year of NI Contributions, you are eligible to make voluntary contributions. You should reach pension age in 2022, at 66. That gives you 6 years going forward, plus 6 years you can buy back, plus whatever you contributed when you worked in the UK. That will definitely qualify you for a partial pension. Don’t delay though, as you want to be able to buy back years

  124. I am assisting my parents, who are both in their 80s (and thus, technologically-challenged). They have never thought about collecting their British pension until just recently.

    My Mum’s history is a little vague as she’s not too certain about the dates. However, from what I gather her work history is from about 1948 or 1949-1955 (6-7 years) and then, again, from 1958-1962 or ’63 (4-5 years).

    My Dad did 4 years of National Service from 1955-1958 in Germany (hence the reason my Mum didn’t work during that time). But besides his National Service, his work history dates back to 1944 (age 14) up until 1967, the year he immigrated to Canada (23 years in total), which I think more than qualifies him.

    I’ve also heard of spouses of those entitled to British pensions that they can receive a pension themselves even though they’ve never worked in the UK. Is that true? (I was thinking that, if my Mum doesn’t qualify for the “10 year” contribution rule, perhaps she can collect a pension from my Dad’s pension entitlements?)

    How can they proceed and what hoops do they have to jump through to get their pension entitlements?

    Thank you in advance for any assistance you can provide to me and them.

    • David Morris says:

      hello Owen, from the information given, your parents are certainly entitled to a UK pension. Your mother would be entitled to a pension equal to 60% of your fathers. The good news is that the pension would be backdated to when they reached pension age, and they would be entitled to a lump sum, back to age 65 and 60.
      If you join us, we can help you. We will send you a complete information package on how to get started. Step 1 is to find out your parents National Insurance number, and we tell you how to do that. Step 2 would then be to apply for a pension statement, and we help with that too.

  125. Hi David,

    iIhave worked under the NHS and had contributed NI for about 8 years from 1975/1976 till 1982/1983. I have received a letter from DWP confirming my 8 year contribution. As the minimum requirement is 10 years of NI , i have written twice to DWP and they could not confirm whether i am eligible for the Class 2 NI contribution.

    Appreciate your help on how i should confirm the NI under class 2. Looking forward fo a favourable reply soon.

    Thanks a lot

    Samuel
    (currently resident in Malaysia)

  126. Sarah Jones says:

    Hi I was born in the UK in 1966. I moved to Canada in 1987. I am not retirement age yet. Will I qualify for a British Pension, I did work there for more than a year before I moved here.

    Thanks
    Sarah

    • David Morris says:

      Hello Sarah, you will need 10 years to qualify. The good news is that you are still able to make voluntary contributions from in Canada which will allow you to meet the minimum needed. It is worth doing, as it is a good deal financially

  127. John Grimley says:

    The Canadian state pension consists of three pillars:
    CPP, OAS and GIS.
    What are the equivalent basics in the UK, please?
    Are ex-pats entitled to anything other than the UK basic state pension (which is the equivalent of our CPP)?

    • David Morris says:

      Hello John, generally expats are only eligible to receive the basic state pension, which is the same as CPP. To be honest, I don’t know what other pension benefits exist for residents in the UK. I know there is an income supplement of some kind, but I am not up to date on this.
      The single tier pension laws in 2016 will eliminate most, if not all, of the different pension schemes to produce a single state pension.

  128. Dear David

    My husband was born in the UK in Dec 1953 and emigrated to Australia in 1962. We were married in Aus in 1978, went back and worked in England from about April until the end of the year (1978) before moving and working in the Netherlands for 2 1/2 years before heading back to Australia for good. In Holland we were paid out our pensions (and more!) but not from England.

    I take it we did not work long enough to be entitled to anything though?

    Regards, Libby

    • David Morris says:

      Hello Libby, you would not qualify, but your husband might. He would need 10 years of contributions. He has 1, and can back pay 6. He should be able to make 3 additional payments between now and his pension age in 2018, which would give him a minimum pension. He would need to move quickly though. He needs to find his NI number, and then get a pension forecast

    • dear David
      i worked in Britain for 10 years before immigrating to New Zealand in 1962 i have worked for 43 years here which i am getting the Kiwi pension.Is my British pension subserdising my Kiwi pension.

      • David Morris says:

        Hello Ronald, in New Zealand, if you apply for the UK pension, you will lose the same amount from the NZ pension, so it isn’t worth doing it

  129. mark santer says:

    Dear David.

    I moved to the Netherlands in 1980 , From about 1970 I work in various jobs for about 7 or 8years. over 3 years I will be
    65. since I have always worked in the EU, am I eligable to part of a Uk pension

  130. Dear David,
    My mom born in Nepal in 1943 and got UK indefinite visa in 2010. Is she eligible to get any benefit from the British Government ? If yes than how long does it takes ?
    Thanks
    BBK

    • David Morris says:

      Hello BBK, if ypur mother is currently in the UK, I can’t help her. This website is for British Expats living abroad. I am not familiar with the benefit rules for residents in the UK

  131. Brian Thomas says:

    Hi there,

    My father immigrated to Canada in 1955 or 56 at the age of 21 or 22, currently his financial situation has changed drastically and we are looking to see if he would be eligible for a British pension. It looks like from above he may be eligible if he makes one top-up contribution? Could you tell me if I have interpreted this correctly, if so, do you know what that amount might be?

    Thanks you in advance for your assistance.

    • David Morris says:

      Hello Brian, your father is in the age group that needs 11 years of work credits in the UK to qualify for a minimum pension. Unfortunately, he is too late to make any back payments. You can only go back 6 years from the date he reached 65.

  132. David William Gay says:

    Hello Mr Morris,
    i have been living and working in Germany since 1988 having left the RAF at that time. I served an apprenticeship between 1971-1976, and then worked in Kent until 1980. I then joined the forces until 1988. Would i be due a pension from England please. It is possible for me to take early retirement here at 63 but of course my pension wont be that much as if i had worked to 65 and 6 months. I already receive a small pension from the military.
    Thanks for your guidance and time.

    • David Morris says:

      Hello David, as you live in Germany, your pension entitlement comes under EU rules. In the EU, every year worked in any EU country counts towards an overall pension. You will get credit for any years worked in the UK. The proper procedure is the contact the pension dept in Germany, and they will contact the pension authorities in the other EU countries

  133. Hi David,
    My wife (age 57) & myself (age 58) migrated to Australia in Feb ’87 from the UK. We both have an entitlement to small NHS
    pensions with us having 9 years 92 days & 9 years 120 days respectively of recognised NHS service. My wife worked prior to this service as a Cadet Nurse full time from Sept ’74 but is unsure if she paid NI contributions during that time (I imagine anyone getting a wage, no matter how low would have?). I worked in a variety of different jobs from 1973 onward, a number of those with companies which no longer exist but know that I always paid NI contributions. However we don’t know what our NI numbers are & so have no records to determine that we have paid over 10 years NI contributions. Will we be entitled to a UK state part pension in addition to our NHS pension once we reach UK pension age & if so how do we obtain it? We are now dual citizens UK/Australia.

    Thank you

    • David Morris says:

      hello Ian, no worries. We can help. If you join us, we will send you a complete information package on what to do next. You can join online on our website. Step 1 is to find out both your NI numbers. We tell you how to do that. Step 2 is to get a pension forecast, which will tell you the number of years you already have. We tell you how to do that. Step 3 is to make any voluntary contributions you wish. We tell you how to do that too (including the criteria for making voluntary contributions at the low Class 2 rate)

  134. Karen Langman says:

    Hi David
    I left the UK in 1996 to live here in NZ. I worked in the UK for ten years or more.
    Would I be eligible for the state pension to be transferred to NZ?
    and as I am 55 years old would I be eligible to cash this in? or part of it and transfer the rest to my KiwiSaver pension scheme?

    Regards
    Karen

    • David Morris says:

      Hello Karen, you can not transfer or cash in any portion of the UK state pension. All you can do is arrange for it to be paid to you wherever you live.

      • Karen Langman says:

        Thank you David.
        Should I do this now or do I have to wait until I’m nearing 65?
        I have no idea what forms I should use there seems to be so many companies it worries me that I could sign up with the wrong one. Thanks David it’s great having someone to discuss this with.

        Regards
        Karen

        • David Morris says:

          Hello Karen, you still have an opportunity to pay back a year or two if you take action now.
          You don’t have to collect your pension now, but you might want to consider making a couple of extra voluntary payments.
          As you live in NZ though, I believe that if you receive a British pension, it will be deducted from your NZ Superannuation. You need to check that with the pension dept in NZ
          There may be no value in you taking the UK pension

  135. Hello,

    I paid into the UK system for 20 years. I have lived in Spain for the last 8 years. What percentage pension would I be entitled to as pension age? Should I make an effort to buy years and how would I go about it?

    Thanks in Advance
    Jane

    • David Morris says:

      Hello Jane, as you live in Spain, you come under EU rules for pension harmonization. I am not knowledgeable about these. Our website here is for people who live in countries such as Canada and Australia, where their pensions are frozen. Your best bet is to contact the pension authorities in Spain or the UK

  136. Hi David,

    I am from Greece and I born in 18/01/1950 I am now living in UK. Back I Greece I have been working for 22 years. My wife she never worked as she has to take care of our 4 kid. How much money will I get in UK and is my wife eligible to apply for a pension, she has been born on 17/02/1955.
    Thanks a lot in advance

    Regards
    Ilia

    • David Morris says:

      Hello llia, unfortunately I can’t help you. I am not familiar with the rules in the UK affecting EU citizens. Our website here is for expats living abroad in countries such as Canada and Australia. Sorry

  137. tom mclaughlin says:

    I served a 4 year apprenticeship in Scotland from 1970 to 1974 and left for Canada 6 months after I was fully qualified as a draughtsman. Would I be eligible if I made up the 6 years of extra payments? How much would it cost and would it be worth my while. I’m 63. Thanks.

    • David Morris says:

      Hello Tom, the cost depends on whether you qualify to make Class 2 or Class 3 payments. Class two is about £140 and Class 2 is about £780 to buy back 1 year. Purely from a financial point of view, it is worth it to buy back years. You would be eligible if you got to 10 years, but don’t delay, or you will lose some buy back years.

  138. Anne Eastwood says:

    I left UK in 1966, immigrated to Canada. Around 2010 I applied for a UK pension. I paid into it several thousand dollars CAD. Now I receive around CAD 254.00 per month.

    Does this sound right? The normal UK Pension seems to be around 120 pounds weekly.
    Am I missing something>?

    • David Morris says:

      Hello Anne, the UK state pension amount is based on the number of years National Insurance credit you have. The maximum you can get, based on 30 years, is £115 a week. If you have fewer years than 30, you will get less.

  139. Hello David,
    I was born in 1945 and used to work in the UK from April 1963 to November 1968. i left England in 1968 because of my family.
    I wonder whether I am eligible to at least partial british state pension. I do not mind to fulfill further contribution as required.Thank you.

    • David Morris says:

      Hello Rita, you needed 10 years to qualify, and unfortunately it is now to late to make any back payments. Sorry.

  140. I worked in England from 1968 to 1970 only before marrying and coming to Canada. I know I am not entitled to a pension of my own but someone told me that since I have reached the age of 62 and my husband is 68 (and receiving a UK pension already) that I could receive a pension based on my husband’s contributions. Is this correct and how would I claim this? I do no yet receive my pension in Canada but I am retired so I have no income.

  141. Sharon Langthorne says:

    I worked in England from 1969 to 1973 (3Yrs) before emigrating to Canada

    I presume I would only be eligible for a pension if I catch up to a 10 year min? What would that cost me approx? Do I have time to do it?

    Thanks

    • David Morris says:

      Hello Sharon, yes you will need 10 years. You can pay back up to 6 years, plus make another contribution until 2017, so you should be able to reach the target. Don’t delay though. If you qualify to make Class 2 payments, it is about £143 to buy 1 year. Class 3 is more expensive at about £722 for 1 year. We can help you with the rules for Class 2.

  142. hello,i lived and worked in England for 8 years.i emigrated to the usa in 1987.ipaid in for the 8 years I was working in the uk but not since in the usa.i am now 52 years old.would I be able to receive a pension when I get of age?thanks for the info.

    • David Morris says:

      Hello John, you will need 10 years to qualify, but you can make voluntary contribution from abroad to get you there. So yes, you can become eligible to receive a pension, but you need to take some action

      • peter Pearce says:

        hi , i worked freelance in the UK for 6 years , paid NI stamps and have proof of Tax returns for this period , i now live in France , but i would like to know whether i will be able to apply for a UK pension

        • David Morris says:

          Hello Peter, as you live in an EU country, you come under the pension harmonization rules. Generally that means that any work credit in one EU country counts as pension eligibility in any other EU country. I am not an expert in EU rules, but I believe you are required to apply in the country you now live in, and they will contact the pension authorities in any other country you worked in.

  143. hi good Day i was born oct 1957 in philippines , i work in uk since june 2003 and im planning to go home on dec 2017 .and i know my retirement date 2023 please can i still apply uk state pension when i reach my 66 years old even im in my country?
    thank you,
    Nita

    • David Morris says:

      Hello Nenita, yes, you can receive a pension from the UK, based on your work in the UK, no matter where you live.

  144. Hi

    Hope you can advise…I was born in Ireland June 1951 and lived in England from the age of 2 years until 20 years.

    I left school aged 15 years in July 1966 and went to work August 1966 as an apprentice until I finished in September 1971 and I then left the UK in September 1971 to return to Ireland. (total of 5 years + 1 month working and contributing)

    Does my 5 years paying National Insurance contributions in UK (in those days) entitle me to anything even partial benefit or were my contributions prior to being 18 years not counted?

    Anything helps! …Thank you.

    • David Morris says:

      Hello P Browne, because you live in the EU, any work experience you had in any other country in the EU, counts towards a pension. If you paid National Insurance, then that qualifies.

  145. John Plunkett says:

    Good Day
    My name is John Patrick Plunkett. Born 03/12/1950. I left England 9th July 1971 emigrating to South Africa. I served an apprenticeship at Rolls Royce Derby. Do I qualify for a pension now I am approaching 65.

    • David Morris says:

      Hello John, yes you are entitled to a partial UK pension. You only needed 1 year of work contributions to qualify, and you have that. The good news is that you still have time to make some catch up voluntary payments to the National Insurance scheme. You can do that from abroad, and that will give you extra pension entitlement. Don’t delay, though. As time passes, you will lose the ability to make catch up payments

  146. My father was born in 1942, he worked in the uk from about 1974-1981. Would he qualify for a pension ?

    • David Morris says:

      Hello Nicole. Your father is in the age group that needed 11 years of work contributions. It sounds like he doesn’t have that, and it is too late to make voluntary contributions. If you are fairly sure on the dates he worked there, then he wont qualify. Sorry

  147. Hi there,

    I’m currently dual UK and Canadian citizen, now living in the USA. I have 30 + qualifying years for my UK pension and a further 10 in Canada. I’m considering applying for US citizenship to help secure my children’s US status but fear I would have to give up either my UK or Canadian citizenship as part of the application. Do I need to retain my UK citizenship to keep my pension.

    Thanks for your help.

    • David Morris says:

      Hello Lawrie, you do not need UK citizenship to keep your pension. You didn’t even need it to earn it in the first place. The only thing you need is qualifying years from having worked there.

  148. Hi David

    My name is Gemma Louise Lacey born in Cardiff in 1989. My father was in the british army and we moved to germany when i was 1. We were in and out of the country in different postings till i was in secondary school. I started working in the uk at the age of 14 part time whilst at school and working a couple of jobs to the age of 23 before i left to go travelling. I am now 26 and a permanent resident in Australia. I was wondering if i qualify for a percentage of my state pension? Im not sure if the minimum is 10 years or not? i may have done 9 or 10 years depending on months involved. I have my national insurance number, i just need more information to get my head around it all so i can start working towards something here and hopefully received a state pension in the uk.

    thank you

    • David Morris says:

      Hello Gemma, you would need 10 years to qualify for a partial pension. The good news is that you are able (if you wish) to make voluntary contributions to the pension scheme from abroad. You need 35 years to get the full pension. Any less than that and the pension is simply prorated based on the number of years you do have. If you already have your National Insurance number, you are already well on the way. It is a good deal financially to make these voluntary payments. If you join us, we will send you via email a complete package of information on what to do next, and how to make voluntary payments from abroad. We can tell you how to qualify to make Class 2 payments, which are cheaper than Class 3. Most of our members made voluntary payments to boost their pension, and are very happy they did so.

  149. Tijen Tugcan says:

    Dear David,

    I was born in Hemel Hempstead Hertfordshire on 2nd June 1979. I lived there until the age of 16 when we moved to North Cyprus with my family. I recieved my National Insurance numbercard before to leave but i have no work experience in the UK.

    I was wondering if i am eligible for any kind of pension from the UK and if so what are the requirements to do so?

    Thank you for your time

    • David Morris says:

      Hello Tijen, if you received your national Insurance card, then you should be able to make Voluntary contributions from abroad. You will need 10 years of NI contributions to qualify for a minimum pension, but you have time to make those payments if you wish. We can help you get started with how to do that if you join us.

  150. Kim Palfenier says:

    Hello,
    I am UK born, and have lived in Canada for 32 years. (Now a Canadian) I worked in UK between ages 14-22yrs.
    I do not have any record of and cannot remember my state employment number. is there a way to find this and with it would i be eligible for a pension? Bdate. Jan 1957.
    Thank you.

    • David Morris says:

      hello Kim, you will need 10 years of work credits to be eligible for a pension. The good news is that you can make voluntary contributions from Canada to get you to the minimum and beyond. This is something that is financially worth doing. If you join us, we will tell you exactly how to get started, how to find out your National Insurance number, and how to make voluntary contributions. Don’t delay, because every year that goes by you will lose the opportunity to make a voluntary contribution

  151. Paul Jordan says:

    Hello…I just received my Pension package from the UK. I worked in the UK from 1964 to 1969. My weekly benefit has been calculated at £27.86 from July of this year. I am also to receive a payment of £167.16 representing the State pension for a 6 week period prior to July of this year.

    I was born in September 1946 so I would have reached pensionable age in September 2011. Since I did not claim until July of this year, I have lost 4 years of pension payments. Is there any process for reclaiming this or am SOL (as it were!)

    There is also the question of “topping up” but, although I have tried to understand it on the UK Government website, I’m unsure how this works and if it would be worth it. Your comments much appreciated.

    • David Morris says:

      Hello Paul, you would not lose the 4 years from 2011. In your pension package, you will have the option of either claiming a lump sum for those years, or an increased weekly pension going forward. In terms of topping up, you still have time to make a few years additional contributions. If you join us, our information package will tell you how to do that. If you have the cash to make the top up payment, it is definitely financially worthwhile

  152. David J. Willcock says:

    I am in category 2 born in 1949 I worked 10 years from 1965 to 1975 when I emigrated. I retired at 65 last December…. It seems that I am entitled to some UK pension?

    • David Morris says:

      Hello David, absolutely you are entitled to a partial UK pension. You also can still make some voluntary payments to increase it, and it will be paid backdated to your date of pension age. Join us and we will help you get started.

  153. Brian Hughes says:

    I was born in the UK in July 1954, I worked from age 16 until I emigrated to Canada in Sept. 1976 therefore I worked in the UK for 6 years, do I qualify to add the 4 missing years to bring me up to 10 years?

    • David Morris says:

      Hello Brian, yes, you are able to make voluntary contributions from Canada to get you to the minimum and beyond. Don’t delay in pursuing this. As time passes, you lose the option of buying back each year.

  154. Christine says:

    Hello David,

    I hold dual citizenship in the UK and US and was born in the UK but now reside in the US. I was married and lived in the UK from 1970 to 2000. I was born in 1952. I would like to start taking my UK pension on my 64th birthday in 2016.

    I have the following questions please:

    I have 7 years of working contributions so should I or can I buy back years to increase my pension?

    I remarried in 2013 so does my husband in the US qualify for a UK pension?

    Is it necessary to change my name to my current husbands name who is a US citizen?

    Thank you so much,
    Christine

    • David Morris says:

      Hello Christine, from a financial perspective it is a really good deal to buy back years, so you both can and should.
      What is your new husbands date of birth ?
      From a pension point of view, I don’t see why it would be necessary to change your name.

  155. Marie Roberts says:

    Hello…Am curious to know whether I am currently eligible for a Category B pension (60% of my husband’s pension). My husband is 66 and has been collecting his Category A pension for a year. I’m 61 at the moment. I do realize that women born in 1954, as I am, would ordinarily have to wait until after age 65 to collect a Category A pension–but would this also be the age for collecting a Category B pension when the husband is already a Category A pensioner? (My husband is a member of your association, incidentally.)

    • David Morris says:

      Hello Marie, unfortunately no, you are not eligible. You can’t collect a category B pension until you reach pension age, and unfortunately, you reach pension age after 2016. The law is changing then, and all spousal and widows pensions are being eliminated for anybody retiring after 2016

  156. Hello!
    My mother (born 1964) has worked in the UK for 8 years. Now due to her health problems she is planing to go back to her home country Latvia. As far as I understand she needs 10 years to be worked in UK to be eligible to receive UK pension some day. My question is – how much she would have to pay for those 2 missing years?
    Thank you!

    • David Morris says:

      Hello Diana, if your mother returns to Latvia she will come under the EU rules for pensions. Normally she would need 10 years of UK contributions to qualify, but I don’t know how those rules apply if you live in another EU country, where pensions are harmonized.
      The cost to buy additional years depends on they type of employment she has. To give you an idea, a Class three voluntary payment for 1 year is £722. A class 2 payment is £143.

  157. Melvyn Redrup says:

    Hi,
    I am a UK citizen who moved back to the UK in 2003 and have worked here for 12 years now. Prior to that I worked in the USA for 31 years. I was born Jan 17, 1957. I know the USA has a reciprocal agreement with the UK. Will I be eligible for a full UK pension?

    thank you

    • David Morris says:

      hello Melvyn, I am not familiar with the details of the US/UK reciprocal agreement. I know that it does allow for work credits in one country to be eligible for pension credits in the other. Your best bet is to contact the UK pension office.

  158. Keith Horkins says:

    I was born in November 1956.. I worked from 1971 until September 2005 when I moved to Canada. In 1984/85 I was a miner on strike.so I know I am missing 1 year.. How many years in total do I have and how many years do I need for full pension.

    • David Morris says:

      Hello Keith, you will need 35 years for a full pension. You are pretty close to that now, and may already have the 35 you need, depending on any partial years.
      You don’t reach pension age until 2022, and you can make voluntary contributions for any missing years. You do not want to over contribute, though.
      If you join us, we can help you get started by finding out your pension record.

  159. Grant Taylor says:

    I was born in England on 6 October 1946 and worked in London in the 1960s and 1970s before emigrating to Canada. I have about 7 or 8 years of contribtuions to National Insurance, and I have my old NI card too. Would I be in Class 2 or Class 3 regarding my ability to buy more pension years? (Not sure what Class 2 and 3 are, but read it in one of the comments). And how would I go about doing that?
    Grant

    • David Morris says:

      Hello Grant, you reached pension age in 2011, so you are limited to only a couple of years that you can buy back additional years.
      I suggest you join us. We will send you a package of information on how to apply for your pension, and whether you can make Class 2 or Class 3 contributions. Don’t delay, though, because as each year goes by, you will lose the ability to buy back any years.

  160. Tim Packer says:

    Hi,

    From what I read it seems the age for pensions are going up. I can’t actually find anywhere when my pension date will now be, if it has increased from the 65 years I’d expected.
    I was born April 1954, worked in the UK from 69 to 83 and now live in Canada, so I know I will only get a reduced pension but when?

    Thanks Tim

    • David Morris says:

      Hello Tim, you will reach pension age in September 2019. Your pension age is 65 years and 5 months.
      You will need 10 years of NI contributions to qualify. Sounds like yo have that already. The good news is that you can continue to make voluntary payments from Canada, and you can also buy back 6 years. You should seriously consider doing that, as it is a great financial deal. if you join us, we can help you get started.

  161. Jacqueline Lerner says:

    I was born in England in July 1951 and moved to Canada with my family in 1957. I returned to England in the autumn of 1970 and worked full-time until the end of October 1972. As a female it looks like I may qualify for some (minimal) pension benefits. Am I correct in this assumption? Thank you for your input.

    • David Morris says:

      Hello Jacqueline, yes, you reached pension age in 2012, and only needed 1 year to qualify. You still are able to buy back another 2 or 3 years, so you could end up with 5 or 6 years credit. This will get you about £1,200 a year

      • Jacqueline Lerner says:

        Thank you so much for your quick reply. I will definitely look into the process to apply. This is incredibly helpful.

  162. Dave Kirkwood says:

    I was born in Belfast in 1953. I worked in Northern Ireland from Sept 1976 until Nov 2000 (24 qualifying years) when I moved to the Republic of Ireland to work and live. Should I be purchasing additional UK Nat. Ins. contributions and if so how do I go about it?

    • David Morris says:

      Hello Dave, as you now reside in the republic of Ireland, you come under EU rules for pensions. In the EU, all pensions are harmonized, which means you get pension credit for every country you worked in the EU. I am not an expert in the EU rules, but I believe that you can not get double credit. You will get one pension, made up of the years you worked in various EU countries. You need to talk to the pension authorities in Ireland about how the system works

  163. Hello David,

    my father in-law worked in Uk for 7 years. He reached retirement age in September 2013. He will be applying for pension now. How many years can he buy back? And what is the amount he has to pay per year? And how much would that add to his pension per year? And also can he get pension for the missed years?
    Thank you, Andrea

    • David Morris says:

      Hello Andrea, he should be able to buy back 3 or 4 years. Each additional year would get him 1/30th of a full pension. In 2015, each additional year gets you approx. £199 a year, so 4 extra years is worth about £800 a year. The cost to buy a year depends on whether he can qualify for class 2 or class 3 voluntary payments. Class 2 is £143 and Class 3 is £723. Both give you the same extra amount of pension.

      • Thank you for your answer, David. If he applies for pension now, would he get also pension for the missed years since he reached retirement age in 2013?

        • David Morris says:

          Hello Andrea, no. Once you reach pension age, you can no longer buy any years past that. You can only buy back years prior to pension age

  164. Daksha Howard says:

    Hello David,

    My name is Daksha (female) and I was born in February 1963. After school (1979) I went straight into the workforce. I worked from 79 thru September of 1988 and then moved to the USA. I have not worked in the UK after leaving, I do return to visit often though. Would I qualify for any type of pension at some point, if so how would I go about getting it. Thank you for your help and time.

    Daksha

    • David Morris says:

      Hello Daksha, yes, you will be entitled to a UK pension when you reach pension age (66). The good news is that you can also continue to make voluntary contributions from abroad which will give you an increased pension. The maximum pension is based on 35 years of contributions, and anything less than that is simply prorated based on the number of years you have. You do not have to reside in the UK, or even be a citizen.
      If you join us, we will send you an information package on how to get started, including how to make voluntary contributions

      • Joe Mendes says:

        Hi David,

        I was born and brought up in the UK and contributed 4 years towards a basic state pension. I currently live abroad. I will only retire in 20 years time but I’d like to know if I will be entitled to any sort of pension even if I don’t contribute any further towards a pension.

        Many thanks!

        • David Morris says:

          Hello Joe. You will need a minimum of 10 years to qualify for any pension. The good news is that you are able to make voluntary contributions from abroad, which will get you most of the way towards a full pension. This is something you should look at seriously, as it is a good financial deal to make those contributions.

  165. My mother holder of EU passport worked in the UK for 5 years, just because she was sick had to go for a treatment to India. She did not return back its been 7 months.

    Now, if she has to apply for pension is she eligible? Your comments will be highly appreciated.

    Thanks,

  166. My friend is born on 15 July 1950
    He has been living in SA for 20 years, can he claim pension?
    How do we find out?
    Thank you

  167. Fred Dixon says:

    I was born 1958 now living in Canada. I checked with UK and currently have 21 qualifying years. By retirement age I will have worked in Canada for 15 years and will qualify for a Canada pension. Do I use the reciprocal arrangement to get 35 years for the UK pension, or should I buy UK years back. I’m not sure if I can get both pensions?

    • David Morris says:

      Hello Fred, there is no reciprocal agreement for pensions between Canada and the UK, for people living in Canada. You can receive both pensions, so it would absolutely make sense to buy additional UK pension years.

  168. Hi
    I was born in Nov 1950 and will retire this year (2015). I was encouraged by other British friends to pay Voluntary contributions so I did. I had 11 years working in England. I have payed 10 Years voluntary contributions and received receipts. I see here that you are only allowed 6 years. I was expecting 21/30 of a full pension.Have I over payed for 4 years? My wife was born in Aug 1953. She has also payed an extra 10 years. Has she over payed too. If so is there any chance of getting back any overpayment?

    • David Morris says:

      Hello David, I don’t think you have over paid. The 6 years refers to the fact that you have 6 years in which to pay for a given year, up to pension age. For example, you can pay for the 2010 year up to 2016. You could pay for the 2008 year up to 2014, but you can’t go back more than 6 years, so in 2015, you can’t pay for the 2008 year.
      If you have not yet reached pension age, you can continue to make voluntary contributions every year.
      Based on your payment record, you should get 21/30ths of a pension

  169. Hi there. My mother was born in 1949 and resided in the UK until she was 20 working a couple of years then moved to Canada. Will she be able to get the pension? She is still working in Canada at aged 66. Thank you

    • David Morris says:

      Hello Mr Jones, unfortunately your mother needed 10 years of contributions, and it is too late to make any back payments. Sorry

  170. sharon hanly says:

    Hiya

    My husband was born on Sept 1962; he worked in the UK for 8 years from 1984 till 1992 ie 8 years…

    We live in Australia now…

    Questions:

    a) is he eligible for UK pension ? is the pension means tested?

    b) when is he eligible?

    c) how much shortfall must he contribute?

    d) he has forgotten his NI number; what is the easiest way to retrieve it?

    tks so much

    • David Morris says:

      Hello Sharon, your husband will need 10 years to qualify for a minimum UK pension. The good news is that he has time to make voluntary contributions to get him there.
      He will be eligible for a UK pension in September 2029. To get the maximum pension he will need to have 35 years contributions. If he has 8 now, he can make back contributions for 6 years, plus future contributions until he reaches pension age. That should give him approx. 28 years, which will give him 28/35ths of a full pension.
      The UK pension is not means tested.
      If you join us we will send you a package of information on how to get started, including finding out his NI number, applying for a pension forecast, and making voluntary payments

      • sharon hanly says:

        HI David

        Tks and i will join asap; just 1 question:

        – why 6 years? are you saying i can make ONE back payment to account for 6 years back contributions? i thought i just have to make up 2 years as 10 years is the minimum ?

        • sharon hanly says:

          Hi David

          i have found the answer to the 6 years back contribution question above…so you do not need to answer:))

          However i have 2 more questions: (sorry!)

          1) as his spouse, do i get some form of pension too? (my dob: August 1965)

          2) if we pay all this back contributions, what happens if my husband pre-deceased me? do i get some of his pension or is it totally lost ? thanks very much

          • David Morris says:

            Hello Sharon, unfortunately no. You both reach pension age after 2016, and the law is changing then to eliminate spousal pensions of any kind for pensioners after that point. That includes widows pensions.

  171. roz archbold says:

    hi, i could have claimed my uk pension june 2011 with 9 years work in uk 9/30th’s. dob 12/27/1950. we live in usa and I deferred claiming, i am now going to be 65 dec this year and have a question as not sure if i should claim my pension and get the deferral amount lump sum and then claim on my husbands to top it to 60% or wait till he retires and claim when he does. or can i even claim on mine and receive the deferred amount and then get it topped up when he claims my husband dob 10 dec 1950 and is going to claim his pension from dec 2015. thanks roz

    • David Morris says:

      Hello Roz, not sure how to answer this. You can certainly claim your pension at any time and get a lump sum deferral. I think I would do that now. When your husband claims his in December, you can then apply to have yours increased to 60% of his. If you wait until after he retires before you claim yours, it gets a bit complicated. You can’t apply to have your pension topped up, if you haven’t claimed it yet. The simplest course is to claim your pension now, take the lump sum, and then have it topped up once your husband retires

  172. Catherine Mason says:

    My husband just received his paperwork for his UK pension. WE live in the USA and have been living here since 1991 He was in the Royal Navy for 25 years. the form that he has to fill out asks for all the places he has lived. We moved around so much does he have to name all the addresses we lived in. Also will his UK pension affect our monies in this country.

    Thanks

    • David Morris says:

      Hello Catherine, we find that it isn’t essential to name all the places lived. Just fill in the ones you remember.
      In terms of how the pension will affect other income in the US, I can’t really help you with that. I am not familiar with US rules

  173. catherine kelly says:

    I was born in 1949 and worked in England from 1968 TO 1972 and then returned to work in Ireland.I have applied to Newcastle as advised by social protection in Ireland but can not get an answer as to whether or not im entitled to any state pension can you advise me please
    Catherine Kelly

    • David Morris says:

      Hello Catherine, if you live in Ireland, your pension comes under EU rules and I am not familiar with those. Generally, I believe that any work experience in any EU country is credited towards a pension. The Irish pension authorities are supposed to help you with that

  174. Fiona Hannon says:

    Hi
    I lived in the UK from 1986 until 2000. Am I entitled to any sort of UK pension? Also what do I have to do in order to apply for it when the time comes? Many Thanks Fiona

    • David Morris says:

      Hello Fiona, if you live in Ireland, you need to contact the Irish pension authorities, as EU pensions are harmonized. I am not familiar with the rules for EU pensions

  175. Maureen Brown says:

    Hi, David

    I was born on February 13, 1951 in England and worked their part-time from 1966 to 1968, and full time from 1970 to 1974 with six months worked in Germany in 1970. I emigrated to the US in August 1974. I worked a further six months in England in 1980.

    According to my research I reached State Pension Age on January 6, 2012. I was totally unaware I could receive a UK pension. Since I am already at retirement age (for the UK not the US) and have done nothing to claim anything at this point, could I still buy back more years and how should I proceed? Thanks for your input!

    • David Morris says:

      Hello Maureen, yes you are entitled to a partial UK pension, and you may still be able to buy back 3 years if you act quickly.
      If you join us, we will send you an information package on how to get started, including how to make voluntary contributions, and how to obtain a pension forecast

      • Maureen Brown says:

        Thanks, David. I will join now. You said i can only buy back three years. What are the time limits for the buy back? I thought I could buy back six years. Thanks!

        • David Morris says:

          Hello Maureen, you can buy back 6 years if you have not yet reached pension age. Once you reach pension age, the clock stops. As you reached pension age 3 years ago, you can only buy back 3 years now. In another year, you could only buy back two. That’s why you need to move quickly.

          • Maureen Brown says:

            Thanks, David. I just joined and I’ve already received my packet! I have to get my National insurance Number first and I have sent off for that today. In order to get the three years, with a State Pension Age at January 6, 2012, do I have until January 5, 2016 or April 5, 2016 to get them paid? Thanks!

          • David Morris says:

            Hello Maureen, you have 6 years to make a contribution for a given year, to April 1 of the year in question. So, if you are making a contribution for the 2012 year, you have until April 1 2018 to make that payment.

  176. Judy wiggins says:

    Dear David,

    I have worked in the UK since 2005. I was born in December 1949. I am still working
    at age 65. Is it too late to pay NI contributions now? I only paid one year when I started
    work in 2005 as I was told I would not be entitled to a state pension and subsequently stopped
    paying NI. I paid income tax though. I am self employed, class 2. I sometimes didn’t make a profit
    of 5,000 pounds per year and am told I need not have paid NI contributions for the years I did not
    make a profit. If I can prove this through the receiver of revenue would it count? I cared for
    2 grandchildren during this time for 4 years. What do you advise me to do if the answer is no?

    • David Morris says:

      hello Judy, your situation is complicated. You can not make current year NI contributions after you reach pension age. You reached pension age in 2009, and needed 10 years of contributions to qualify for a partial pension. It is also too late to make catch up payments, so it really depends on whether you have 10 years of credit now. You need to apply to the DWP, giving details of your situations and asking for their assessment. It sounds like you do not have the 10 years you need.

  177. Ronald McKenna says:

    I am UK citizen and worked from around 1972 until 1987 then moved abroad. I have been back on several occasions and signed on and started a business in 2009 and received working tax credits. I moved back abroad and haven’t been back since. Will I be eligible for some pension?

    • David Morris says:

      Hello Ronald, yes you certainly are entitled to a partial UK pension based on the years you worked there.

  178. Doreen S says:

    Hi there

    I was wondering if you could clarify between class 2 & 3 purchase options. It sounds like if you are not currently working in the UK then you are automatically repaying the class 3 payment. If you are working in the UK then you pay the class 2 amount. Is that correct. When I read some articles, is somehow refers back to if you worked and contributed for the 3 years – then future contributions are at the class 2 rate.

    As my year of birth is 1958 – i now am not eligible to get my pension when I turn 60. Is there any move to start lobbying for the difference to be prorated rather than basicaaly a day difference? It seems it is rather harsh difference of now 6 additional years before I can get my state pension in one step as such.

    • David Morris says:

      Hello Doreen, Class 2 contributions were originally set up for self employed people. If you work in the UK, most employed people would pay Class 3.If you live abroad, you may have the option of making voluntary Class 2 payments – if not, then you would make Class 3.
      in terms of pension age, it is being prorated. The pension age is increasing each year until it reaches 66 for both men and women. You reach pension age in 2024, when you are 66. If you had been born in 1952, you would have reached pension age at 62.

      • Doreen S says:

        Thank you. I am contributing to Class 3. Good to know that it is the correct level.

        Another question. If you own UK property – can this be used when claiming the UK pension in order to avoid the ‘frozen’ pension?

        • David Morris says:

          Hello Doreen, what matters is where you are a permanent resident. If you claim that you live in the UK, using your property address there, you may get away with having your pension unfrozen, but then you will pay UK tax on it. If you are a permanent resident of Canada, then your pension is frozen, regardless of whether you own property in the UK

  179. Susan Lewis says:

    I was born in the UK in 1947, and worked there from 1965-1969 until I emigrated to the US. I realize I did not work the 10 year minimum to qualify for the UK pension, but I keep reading about making a payment to top off my earnings. How much would that payment be, and then how much pension would I be eligible for?

    Thanks, Susan

    • David Morris says:

      Hello Susan, unfortunately it is now too late for you to make any top up payments. You can only go back 6 years from when you reach pension age

  180. PAUL TUGWELL says:

    Hi there,
    I was born in Cardiff in 59, worked from 1978 to 1988, then moved to spain, what if any, pension entitlement may I have back in the uk,? worked on contract in spain now 27 years.

    • David Morris says:

      Hello Paul, as you live in Spain, you come under EU rules for pensions. EU pensions are harmonized, so any time spent working in any EU country counts towards pension eligibility. You need to contact the Spanish pension authorities

  181. Ken Stanway says:

    Hello David,

    I was born 29 August 1954 in UK and worked for the Ministry of Defence from October 1970 (age 16) continuously and full time until I took early release on 1 November 2011 and moved to the Philippines, where I now reside. I understand that, as the law stands, my state pension will become payable in 2020 and I will need to apply to Dept of Work and Pensions around 3 months prior to the payment date in order to receive it. Can you confirm this and whether I will be eligible for the full pension, currently about 115 pounds sterling a week? I ask because as a public servant, I opted to contract out of the state scheme which, I understand, reduces my state pension payment but enhanced my civil service pension. I believe there is a pension agreement between UK and the Philippines, whereby I will be able to receive annual pension increases but would welcome your confirmation of this as well. Many thanks.

    • David Morris says:

      Hello Ken, you certainly meet the qualifications for number of years worked for a full state pension. The correct procedure is to apply to the DWP around 3 months before pension age.
      In terms of the state pension amount, if you contracted out of the state pension, then you would get only the basic state pension, not the additional pension. (basic pension is currently £115 a week). However, you come under the new single tier pension rules which is eliminating the additional state pension anyway. The amount you get will be based on the new single tier rate in effect in 2020. It is not possible to calculate the exact amount, but it will be at least equal to the current basic state pension, plus inflation.
      You are correct that the Philippines are unfrozen, and you will receive the same annual increases as in the UK

  182. Martin Knowler says:

    Hi David,

    I worked from 1967 to 1972 for various firms before coming to South Africa where I will turn 65 next month.Could you advise me as to whether I would be entitled to a partial pension and if so, how much, as I am currently spending a fortune trying to get my NI number from Newcastle.
    Thanks

    • David Morris says:

      Hello Martin, yes you are entitled to a partial pension. It looks like you would have 6 years of contributions, but you can also back pay at least 6 more. If you choose to do that you would have 12 years. Each year would get you approx. £200 a year in pension, so for 12 years you would get about £2,400 a year

  183. sharon de villiers says:

    Hi I have a british paasport and was born in 1959.What age can I apply for my pension?I have lived half of my life here in South Africa and o rest in England.I have worked on and off for about 10 years.I dont think I always paid national insurence and cant remember my national insurence number.Where can I fine out my number and how many years I was taxed in my jobs.Thank you

    • David Morris says:

      Hello Sharon, you will reach pension age in 2025. You need to write to the Dept of Works and Pensions in the Uk to find out your NI number and obtain a pension statement. If you join us, we can send you an information package on how to go about doing that.

  184. Hillary Stauch says:

    Hi David,

    I am currently 45 years old and have been working and contributing both the NI and private NHS pension scheme for 6 years. (I believe changes to state pension occurred in April this year. I have two questions:

    1. If I work until 65 (ie contributing for 25 years what would my entitlement be from state pension and is there a way of contributing more to increase my eligibility?
    2. If I am still with my partner but not married, would I receive a widows state pension in the event of his death, we have been together for 6 years?

    Thank you for any advice you can give.

    Kind regards

    Hillary

    • David Morris says:

      Hello Hillary, the widows pension has been eliminated for anyone retiring after 2016, so you would not get one. You can only get a state pension based on your own record.
      The maximum pension will be based on 35 years of contributions, so if you have 25 years you will get 25/35ths of the full pension amount at the time of retirement. To give you an idea, the full pension today is approx. £114 a week, but will be bigger than that when you reach pension age.
      Yes, you can make voluntary pension contributions for some missing years, usually only if they are in the last 6 years

  185. mike robinson says:

    i reach pension age of 65 this year 23 december. I plan to marry my philippine girlfriend this year and apply for spouse visa for her to remain in uk.I have paid over 40 years NI contributions,what pension will i get if i marry my fiance,at present i qualify for full single pension,but if i marry will that change to married pension.My future wife intends to try and work when we have the spouse visa,i just wondered what my pension payments would be after getting married.
    Many Thanks,
    Mike Robinson

    • David Morris says:

      Hello Mike, you are entitled to a full state pension. If your spouse reaches pension age after April 2016, neither of you will be entitled to a spousal or married pension amount. That feature is being eliminated in the new pension legislation starting 2016

    • Elizabeth Browne says:

      David
      I was born in Jan 1951.
      I am Australian but lived and worked in the UK 1979/1982.
      How do I go about claiming any pension without any documents?
      Thanks
      Elizabeth Browne

      • David Morris says:

        Hello Elizabeth, you reached pension age in 2011. You would be entitled to a small UK pension, and you still have an opportunity to make a couple of catch up year contributions. Your best bet is to join us. We will send you an email package of information on how to claim your pension, and make any voluntary contributions. You don’t need any documents. All you will need is your last address in the UK, or the name of your last employer

        • Elizabeth Browne says:

          Thank you David. I will wait to receive your package.
          Elizabeth

          • David Morris says:

            Hi Elizabeth, just to be clear, you need to join us first. We are a non profit group working to get our pensions indexed annually. All our members fees go to help us with the fight in the UK, and to support our members questions

  186. Ian Fitzwater says:

    Hi David, I was born in the UK in 1957 and left with my parents to live in New Zealand where I remained and worked for the past 41 years. As I now live in France I am not entitled to claim a New Zealand pension, but I believe time worked in NZ is considered reciprocal in the UK- am I entitled ( when I turn 66) to claim a ( partial or full) UK pension?
    Many thanks
    Ian

    • David Morris says:

      Hello Ian, unfortunately I can’t answer that. It would depend on the reciprocal agreement between NZ and the UK, and I am not familiar with the terms of that agreement.

  187. aleksandra says:

    Hello

    I am Polish born in 1985. I worked in the UK for 4 years and then I moved out. Am I entitled to the state pension?
    Thank you

    • David Morris says:

      Hello Aleksandra, if you are now living in Poland, you come under EU rules for pension eligibility. You need to contact the pension authorities in Poland, but generally any time worked in any EU country counts towards a pension

  188. Michael Steedman says:

    I was born in Scotland on 11th Feb 1951, In the first year of birth we moved to Canada but returned to Scotland in 1954. I attended primary and secondary school un till Mar 1966 as we returned to Canada. In 1968 I returned to the U.K and worked in London ad Kirkcaldy until I joined the British Army 17th June 1969 and was released in 29th August 1969 giving me 2 yrs. work in the U.K and 3 year steady time at school.
    I believe I qualify with 1 yr. as I was born 11th Feb. 1951. I was told that I could buy back 7 yrs.at the low rate as I meet the qualification. Please comment.

    • David Morris says:

      Hello Michael, yes, you only need 1 year to qualify for a minimum pension. You also are able to buy back 6 years. The rules for qualifying for the Class 2 rate are a little ambiguous. They depend on whether you worked right up until the time you left the UK, and whether you started work immediately in Canada. You have to apply in writing to make Class 2 contributions

  189. Margaret Hargraves says:

    I worked in UK for 4 years in early 70’s . I am 63 now & irish. Am i entitled to a pension? Thank you

    • David Morris says:

      Hello Margaret, yes you are entitled to a partial UK pension

      • I worked in NHS in UK for 6 years in early 90’s. I have returned to Ireland. Am I entitled to UK pension. .thanks for your time. .

        Mary

        • David Morris says:

          Hello Mary, if you live in Ireland, you come under EU rules for pensions. You need to talk to the pension department in ireland

  190. Louise van der Wees says:

    I have a Dutch passport but lived in England from age 19 to age 50, and worked 39 years. I now live in Spain and will not qualify for a pension there, because I will not be able to work 15 years which is the minimum required here. Can you confirm that I will still be entitled to a full UK pension?

  191. Helen clark says:

    Hi Dave,

    My husband is eligible for Uk pension as he worked there for 11 years. He was born on May 17, 1952. I am not a British citizen but when we lived there and got married I worked for 2 years. I was born on April 25, 1957. Do I qualify for a British pension? Or 60 per cent of my husband’s pension? Also can my husband pay more to his pension until he turns 65 so that he can have a better pension? We now live in Canada.

    Kind regards,

    Helen

    • David Morris says:

      Hello Helen, yes, you husband con continue to make voluntary contributions to increase his pension. You will not be entitled to any spousal pension from your husbands pension. After 2016 all spousal pensions are eliminated. If you were resident in the UK for 3 years, then you also would be able to make voluntary contributions. You need 10 years to qualify for a minimum pension, and there is enough time left for you to make voluntary contributions to get you at least that. You should not delay in pursuing that, as you lose the ability to make a contribution as each year goes by.
      If you join us, we will send you a package of info on how to get started.

      • Helen clark says:

        Hi Dave
        thank you for the quick response. you guys know your stuff????
        is ther a fee to join Britishpensions.

        Cheers Helen

        • David Morris says:

          Hello Helen, it is $25 for an annual family membership. We are there to help with any pension questions you may have, and are fighting to get your UK pension indexed to inflation.

  192. tony martin says:

    David
    I was born in England in 1958 and worked from age 17 until I emigrated to the USA 1991. Am I entitled to a pension ?. I was also recently married, will my wife be eligible for pension too even though she has not actually worked in the UK ?
    Thank you
    Tony

    • David Morris says:

      Hello Tony, yes, you will be entitled to a partial UK pension when you reach UK pension age. You also still have the option to make voluntary contributions from abroad to increase that pension. If your wife reaches pension age after April 2016, then she will not be entitled to any spousal pension, as they have been eliminated from that point onwards.

  193. Vivien says:

    I have a Canadian friend born and brought up in Britain who served as a Doctor in the British Army between 1974 and 1984. Is he entitled to a state pension. He was born in 1943.

    • David Morris says:

      Hello Vivien, yes it is quite likely that he is entitled. He needs 11 years of contributions, and he may well have those. He would have contributed to the NI scheme when he was in the army.

  194. christine alford says:

    HI David, my husband and I left England in 1980 and have lived in Canada since then. My husband worked from age 16-25 what is eligible for.
    Christine

    • David Morris says:

      Hello Christine, I need to know his age to be sure, but he is likely eligible for a partial pension, and may have the opportunity to increase it by making voluntary contributions.

  195. Ruth Beslee says:

    Dear David, I am a British Citizen and have lived in France since 1974. I worked in England for five years from the age of sixteen. I do still have my NI number. I was married here in France in 1982 and from 1983 onwards was a stay at home Mother bringing up my children until 2007. I am now 62 years of age and was wondering if I am eligible to a state pension or part pension. I would be willing to pay contributions to bolster my years of not working. My husband is also British and receives his State Pension as he had always paid into the scheme. Do I stand a chance of some sort of pension? With kind regards, Ruth Beslee.

    • David Morris says:

      hello Ruth, as you live in France, you come under EU rules for pensions. These rules are complicated, and I am not really knowledgeable on them. Pensions are harmonized, meaning that any time spend working in any EU country counts towards a pension. You need to contact the local pension office in France.

  196. ann cooke says:

    hello dear,
    please can i ask you somethings.
    i am marry with Swiss man for 4 year now, we marry in Thailand stay in Thailand together,
    .if he gone how i will do ?? can get some his pension????

    • David Morris says:

      Hello Ann, no, you are not entitled to a UK pension unless you worked there. I can not speak for any entitlement to a Swiss pension

  197. Hello David says:

    I am enquiring for my father please. He was born on Lancashire in 1929 and employed by printing company for a period of time and then joined the British Army and served in Egypt. He joined Australian Army in 1954 and has lived here (Australia) since that time.
    I have been told to enquire as to whether he is eligible for some kind of British pension and if so, I am not sure of the process

    Thank you and kind regards David

    Susan

    • David Morris says:

      Hello Susan, your father needs a total of 11 years employment in the UK or service in the UK army to qualify. Given his age, it would depend on when he started work as to whether he has the 11 years needed. If you join us, we can send you a package of information on what to do next – otherwise, you will need to contact the dept of Works and pensions in the UK

  198. Chris Bevin says:

    Hello,
    I am a British national and have been resident in Germany since 1989. I served in the British Army from 1977 to 1989 and paid NI contributions during that time.
    I was entitled to a Preserved military Pension which I commuted to a capital sum that I invested in a private pension. Part of this transfer value was Protected rights. Am I still entitled to a minimum state pension when I retire?

    Thanks for your time.
    Chris

    • David Morris says:

      Hello Chris, yes, you are entitled to a UK State pension. As you live in the EU, pensions are harmonized, which means you get pension credit for any time worked anywhere in the EU

      • Baronet K.J.Parr says:

        Dear Sir I came to build my estates here in Latvia during the last big upset in UK.that WAS 2011. I have all the proof of 42 years worked in UK. I was at Univesity before that. I served fourteen years as Officer in the British Army and twenty years with the law after that became a writer. I paid all stamps when self emplyed and all taxes. So I applied for Pension Credits on the advise of a higher up person than I and was rejected on the grounds I live abroad,as was put, even though EU? Seem thus it is the law. Benefits are not granted to ex patriots once drifted from the main deck.
        The only thing is forecast for one now is the blessed State Pension and my army pension which I know about now. What ever can an ex pat expect left the Mother Country?

        • David Morris says:

          Hello Mr Parr, you can not get what are called pension credits, but you are entitled to the full UK state pension

  199. Bashir says:

    Hello David,
    I am a British pensioner living in the United States and am currently receiving a reduced UK pension based on my years of contribution). My wife who is an American has never lived or worked in the United Kingdom. I have the following Questions:
    1) If I die before her would she be entitled to a British Widows pension?
    2) My wife’s date of birth is Sept 6th 1947, is she entitled to a British Pension even though she has never lived or worked in the UK?
    Thanks
    Bashir

    • David Morris says:

      Hello Bashir, yes your wife is entitled to a spousal pension roughly equivalent to 60% of your pension. She will also be entitled to a top up of that to match your pension when you die. The spousal pension doesn’t come automatically. She needs to apply for it.

      • Bashir says:

        David, thank you so much for your quick response. One additional question, Is there a specific form she need to fill to apply for the pension?

    • My parent remarried here in the U.S. His American wife receives a British pension, never having lived/worked in the UK. Dad says it’s totally legal. Feedback appreciated. I was born and lived in the UK into early 20s, and I see I get nada for the years I worked there (6 years). Look forward to feedback.

      • David Morris says:

        Hello A.S. Not sure what feedback you are looking for.

        • Peter Wells says:

          Hello A.S. Your father is quite correct. As long as his American wife reaches UK pension age before 6th April 2016 (i.e. was born before 6th April 1953) she is entitled to a spousal pension equal to approximately 60% of his pension. On his demise that will increase to 100% of his pension.

          The spousal pension for women has been around for 70 years and in the last iteration of the pensions bill it was scrapped as being inappropriate in today’s mobile society. The frozen pension has been around for the same length of time and that is used to justify its continuance.

  200. Ma. Ruby Setubal says:

    hello, my aunt is a filipina and a british citizen born on 12 april 1947. she started working in london since 1975 she went home last october 2008 due to critical illness and died november 2008. she had gone three times surgery on her colon from 2006 to 2008. as her next of kin I have receive lump sum .49 % representing her lifetime allowance tax free ihta 1984 until to the available allowance(I dont understand the available allowance if I still get the claim since its been 7 years since she died) and new generation group pension from her employer. this year I have receive a letter from a trustee regarding claim form XC36FL with reference of Sal/CSP.A7 for guaranteed monthly instalment until 23 May 2012 as in that year also is supposed to be her 65 birthdate. now my question is that her state pension? as the same code from the first payment last 2009 from her employer. I don’t understand about guaranteed instalment payable claims kindly explain to me asi dont really have any idea about the UK gov. regarding pension matters as i am living in the philippines. anyway she doesn’t told me about all this claims etc. I have just receive a mail straight from london. thanks

    • David Morris says:

      hello Ruby. None of this would be her state pension. The state pension is not transferable and is not inherited. A spouse can receive a pension based on the deceased persons pension record, but nobody else. Those other payments must be to do with employer pensions, and I cant help you with those

  201. Brian Foster says:

    Hi David
    I am hoping you may be able to provide some advice on my situation. I am 63yrs old and have been self employed since 1980. I have the required NI contributions to qualify for the full UK state pension when I’m 65.
    My fiancé (aged 49) who is a Mexican national, has been living and working in the USA for just over 12 months and whilst the issue of where we get married and live is not the solution I am seeking it does form the background of the quandary we face!
    I have been reliably informed by HMRC that my Class 2 contributions would not provide a widows pension on my death and so my fiancé would be faced with a fall in income at that point in time. As she has no pension benefits from her life in Mexico then you can readily see the problem so she is determined to build a state pension in her own right and has now completed one years entitlement in the States.
    However this is where it starts to get complicated because of where we are going to settle down. It is either going to be in America or here in the UK but as far as the USA is concerned it will be between 3-4 yrs before that can happen (ie. visa) but much shorter for us to settle here in the UK.
    It is important however for me to explain that due to my business making a loss for the past couple of years I would fail the marriage visa financial requirements. There is probably going to be a profit in the next financial year but if it doesn’t materialize then this is why we are looking at alternatives.
    Right my questions…
    I understand that here In the UK she has to make a minimum of 10yrs NI contributions to obtain the minimum State Pension. If she is 50 when she starts the contributions then obviously when she gets to 60 then she will have attained the minimum level and as each year passes she will naturally improve her situation.
    1. How much would it cost in VC’s to bring her up to the full state pension and when would the cut off dates be?
    2. If she left the USA in about twelve month’s time would she lose those two years contributions into the American State Pension system?
    3. If not and they are transferable how would she go about that?
    4. Is there anything that I can do by adding to my NI situation that would allow a widows pension or has that time passed many years ago?
    Your answers and any advice would be very much appreciated.

    • David Morris says:

      Hello Brian,
      1. your fiancée can not make voluntary contributions towards a UK pension from abroad unless she has lived in the UK for at least 3 years at some point.
      2. I don’t know enough about the US pension system to comment. I know there is a reciprocal agreement with the UK, so that work credit in one country is recognized for pension purposes in the other
      3. See answer 2
      4. No, under the new legislation, there are no new spousal pensions allowed. She has to earn one in her own right

      • Brian Foster says:

        Hi David

        I really appreciate your quick response to my questions.

        I will check with HMRC tomorrow with regards the reciprocal arrangements which would be great news given our circumstances…

        Just on Q1 I think you may have misunderstood. I meant that assuming we secured the marriage visa for her to come to the UK and she started work then the VC’s would be being made from here in the UK and not abroad.

        From your answer then I assume she would not be able to make any VC’s until she had lived here for at least 3 yrs. If this is so then what are the rules regarding VC’s because she may not feel like working the full ten years or she may become ill and unable to work?

        The sooner we were able to top her up to the maximum whilst she is working or if my business generates the revenues to be able to fund this then we would want to do that and so it is important to know exactly where we stand, any cut off dates beyond which we would lose the ability to do that and finally how much it would cost.

        Once again I really appreciate your help on this matter.

        • David Morris says:

          Hello Brian, if she is working in the UK, then she will have an NI number given to her, and will be making contributions through her work from the first day she starts work. She MAY be allowed to make voluntary contributions for no more than 6 years prior to her starting work. I say MAY because I do not know the rules on this for people currently living in the UK. Our website is for expats living abroad who want to make contributions while abroad, and in those circumstances, they need to have lived in the UK for at least 3 years. You would need to check this with the Dept of Works and Pensions in the UK

          • Brian Foster says:

            Hi David

            Thank you for providing this information and I will speak with The Pensions Service tomorrow about this.

            I can confirm that you were absolutely right, not that I doubted your expertise for one minute of course, that the UK Gov do indeed have reciprocal arrangements with not just the USA but many countries around the world so I am delighted with this news as it makes planning our future so much easier.

            Once again I thank you for your help and advice and will let you know how I get on with regards the VC’s forthwith.

  202. William Miller says:

    I was wondering wether or not I would receive 60% of my wives pension as spousal support.
    I am a British citizen born in Edinburgh on October 20th 1950′
    I married a woman from Peebles in Scotland who is still my wife (still together)
    I am unsure how to obtain the forms allowing me to apply for this benefit,

    We both now live in Canada moved here on May 4th 1991.1

    • David Morris says:

      Hello William, yes you should be entitled to a spousal pension, based on your wife’s contributions to the NI scheme. You both have to have reached pension age for you to apply. You have to apply separately from your spouse. If you join us, we will send you a package of information, including how you go about claiming your pension

  203. Michael Mulvaney says:

    Hello David

    I am a South African with dual British nationality and have 14 qualifying years of NIS contributions. I have been offerred a post within the SA Govt which requires that I relinquish my British citizenship. If I do this will it affect my UK State Pension and how can I go about making voluntary contributions from SA if I am still eligible?
    regards
    Michael Mulvaney

    • David Morris says:

      Hello Michael, it will not affect your eligibility for a UK pension. The pension is based solely on NIS contributions, not citizenship. You can make voluntary contributions from abroad. If you join us, we will send you a complete information package on how to get started, including how to make voluntary contributions, and possibly qualify for the lower class 2 rate

  204. James Angelo says:

    Hi,

    My name is James Angelo. I father worked for the Royal Air Force in oman for about 15 years, when its under the U.K government. So i just want to know my whether my father is eligible for something from UK government.

    Thank You.

  205. I was born 1954, worked in Scotland from age 15 to 23 then came to Canada. Am I eligible for the UK pension, I have applied for my national Insurance Number, but not sure where to go from there, I know the legislation is changing in 2016 so I need to be on top of this to make voluntary payments before that time.

    thanks,

    • David Morris says:

      Hello Maureen, you will need 10 years to qualify for a minimum pension. Looks like you already have 8. You have time to make voluntary contributions to make sure you just don’t lose the 8 you already have. You can go back 6 years, plus make payments going forward until you reach pension age in 2019.
      I suggest you join us. You can join here on the website. http://www.britishpensions.com/joinrenew/
      Once you join, we will send you a package of information on what do next. We will also let you know how to make voluntary contributions, and perhaps qualify to make the lower Class 2 voluntary payment. Our office is staffed by volunteers and are available to help if you have questions.

    • margaret keenan says:

      I was born on the 3rd of February 1956, and worked in England for over 12 years, am I entitled to uk pension.

      • David Morris says:

        Hello Margaret, yes, you are entitled to a UK state pension, plus you still have time to increase it by making voluntary contributions.

  206. My father who is 70 worked in the UK for a number of years. He is living in the US, California. How does he collect his pension? He does not know his National Insurance number.

    • David Morris says:

      Hello Neelam. He would need to have worked 11 years in the UK, to qualify for a minimum pension. If he did, then he is eligible, and in fact his pension will be backdated to age 65. It can be paid to any bank account in the US. If he joins us, we will send a package of information on how to apply for the pension, and what to do if he doesn’t know his NI number. As long as he can remember either his last address in the UK, or his last employer, they can find his NI number

  207. Hi David,
    My name is Raja Boussoffara,I am tunisian and 63 years old.I worked as a french language teacher for a year from September 1973 until July 1974,in Grove Hill school,Hemel Hempstead.I have already written to you a week ago to inquire about eligibility for a pension and you said I am,however I do not remember anything about my insurance number.All I have saved is a certificate of registration which was issued from Herts.CONSTABULARY A.R.C. No F.230007 on 18.10.73 and on which it’s mentioned I stayed at 34 Tamar Green, Hemel Hempstead. I am so sorry to disturb as you have too many inquiries but I don’t know what to do, I called a number in Canada,they gave me a number to call to get my health insurance number,they keep me waiting for ages after that they tell me to call later as they’re too busy.Thank you so much for helping and I am awfully sorry for disturbing.
    Thanks for your time

    • David Morris says:

      Hello Raja, you need to write to the Dept of Works and pensions in the UK to find out your National Insurance number.
      If you join us, we will send you a package of information on who to write to, and how to get a pension statement, and how to apply for your pension.

  208. Tim Cary says:

    I was born in the UK in 1956 and left when I was 21 in 1978 to come to the US where I have worked ever since. I am 58. I worked part time jobs from 1973 to 1976 as a student on weekends and in the summer. Do I qualify for a UK pension when I reach retiring age, and if not what would I need to do to qualify?

    Thank you

    • David Morris says:

      Hello Tim, you will need 10 years of contributions in the UK to qualify for a minimum pension. You don’t have that now, but the good news is that you are able to make voluntary contributions from abroad to get you to the minimum at least. The first step is to find out what your contribution record in the UK is. If you join us, we will send you a full package of information on how to get started with this, including who to write to in the UK, and how to make voluntary contributions

  209. Dear David

    My Mom and Dad were both born in the UK before 1945. My dad worked for more than 10 years before he left the UK, my mom was at varisty and then worked for a total of 2 years. They left in 1958 and didn’t work again in the UK since then. My dad died in 1985. My Mum applied for a pension some years ago but apparently she didn’t qualify and she seems to think that because she applied for a pension, she’s not able to re-apply for a widow’s pension. My questions are: is she entitled to any type of pension at all? And if so, how do I start this process? The family have resided in South Africa since their arrival in 1958 and are (were) both British passport holders. Thanks in advance.

    Fern

    • David Morris says:

      Hello Fern, your mother should be eligible for a widows pension. That is completely separate from a pension in her own right, which she is not eligible for. She can certainly apply again for a widows pension. The first step is to contact the Dept of Works and pensions in the UK and tell them the situation.

      • Hello David. I am planning to move back to England from Australia to retire and live . I am 64 years of age and currently receive a part UK pension since 201. .I was born in the UK in January 1951 and have a British passport. I worked in the UK from the age of 15 to 27. Then in 1978 I moved to Australia to marry my now X husband who is Australian. Now divorced. I have adult son and daughter who don not know if they are going to move to the UK with me at this stage. I am eilgable for the Australian aged pension at 65 years old which will be in January 2016.

        I am concerned that if and when I move back to the UK that I wont be eligable for a full Uk pension because i havent paid the 30 year conrtibutions to national Insurance. Is this correct?. .I need to know the answer so I can plan and make a decsion where I shall retire.
        I have three brothers and five sisters in the UK and have always wanted to spend my retirement back there. My parents are both diseased. If you are unable to give me an answer to this question, where shall I go to or email to get an answer?. one of my sisters tells me I will be eligable for other benefits like tax benefit and hosuing benefit, is this right?.My future depends on this question and where I will live my days out. Any advice or information you can provide would be greatly appreciated. I will wait to hear back from you David. Thank you

        • David Morris says:

          Hello Pat, you are correct in that if you move back to the UK, you will not get the full UK pension. What will happen is that you will now get regular annual increases to the pension you are already getting. Your pension will no longer be frozen, but it will not be a full pension. You may also be entitled to other old age benefits in the UK, but I can not help you with that. I have been away from the UK for many years, and I do not know what the current benefits available are. Your family in the UK should be able to help you with that. You should also contact the Australian Government to make sure that you will not lose the pension from them

  210. Michael Lawson says:

    Hi I am a British pensioner living in South Africa ( born in the UK and receiving a reduced pension) my wife who holds a full British Passport was born in South Africa, when I die is she entitled to a British Widows pension ? and also when she reaches 65 is she entitled to a British Pension even though she has never lived or worked in the UK.

    Many Thanks

    Mike

    • David Morris says:

      Hello Michael, I need to know your wifes date of birth before I can answer your question about her eligibility for a spousal pension

      • Michael Lawson says:

        hi David

        Date of Birth is 9th April 1953

        • David Morris says:

          Hello Michael, unfortunately, I think she misses out by a couple of months. She reaches pension age in July 2016, and the law changes in April 2016, so that spousal pensions are no longer available to anyone who reached pension age after that date. Sorry

          • Michael Lawson says:

            Thanks David

            Would she be eligible for a Widows pension on my death ?

          • David Morris says:

            Hello Michael, unfortunately not. They are dropping all new “derived” pensions after April 2016. You can only earn a pension on your own contribution record.

  211. Hi David,

    I am 60 years old and was born in the UK and still hold a UK passport. I left the UK with my parents when I was four and have never been back except on a short business trip.
    My wife is 54 and was born in the UK and worked there for 5 years before immirgrating.
    Is she due a UK pension and if so how much. Would I be due any sort of UK pension.

    • David Morris says:

      Hello Tim, your wife could become eligible for a pension. She will need 10 years of work credits to be eligible for a minimum pension, but the good news is that she is able to make voluntary contributions from abroad. Unfortunately, you are not eligible.

  212. Hello David, thank you for all your hard work.
    Can you tell me if it is possible to buy back a pension/partial pension with a lump sum? You seem to imply that it must be done annually, by increments.
    I am seventy, British-born, but living in Africa in an area that is increasingly threatening for women.

    • David Morris says:

      Hello Jane, yes you can buy back with a lump sum. Each year is recorded separately, but you can buy back them all at once, if you wish.

  213. Hi David,
    Thanks for your reply of 14th April 2015,it’s good news that I can qualify for a pension but I have no clue who to write to or what to do.Thanks for helping.
    Thanks for your time.

  214. john o'hanlon says:

    Dear David,
    I was born in England Sept 1952 (will be 63 this year).
    I emigrated to NZ in 1974 and worked for 15 years. I then emigrate to Switzerland and worked there for 23 years.
    My question: do my working years in NZ & Switzerland count towards a UK pension?
    NB: Switzerland is not in the EU.
    Also – although I worked in part-time jobs as a full-time student during holidays over 5 years 1969-74, I am unsure if the total working time exceeds 1 year (how do I find out?).
    Warm regards, John

    • David Morris says:

      Hello John, If there is a reciprocal agreement between the UK and NZ or Switzerland, then you may be eligible to have your working time there credited towards a UK pension. Unfortunately, I do not know if there is such an agreement. You would need to research this, or contact the DWP in the UK. In terms of your part time work, generally, if you earned more than approx. £5,000 in a given year, you would get credit for the entire year. You would need to write to the Dept of works and pensions in the UK to find out your employment record

  215. nick kenrick says:

    i was born in UK in 1960
    moved to Canada in 1989

    now age 55

    i worked in UK , what do i have to do now ??
    thanks

    • David Morris says:

      Hello Nick, the best thing to do is join us. We will send you an information package on how to get a pension statement, and how to make voluntary contributions. It sounds like you are eligible for at least a partial pension, and you can add to that by making voluntary contributions

      • Kuldip S Mann says:

        Hello
        I was born in India 1953 Nov
        Immigrated to England in August 1967.
        Went to school and worked part time or summer vacations from 1968.
        Worked full time from 1970 to 1977.
        Part time from 1978 to 1980.
        Have not lived in England since 1980.
        Presently live in Canada and got injured and disabled since 2012.
        If I was to go back to England will I qualify for any pension ?

        • David Morris says:

          Hello Kuldip, you should be able to qualify for a UK pension, either here in Canada, or back in the UK. You need 10 years of work credits to qualify for a minimum pension, and you may already have that. If not, you still have time to make voluntary contributions to get you there.

  216. Helene O'Hagan says:

    Hi David,

    I was born in the UK and work full time from 1980 – 1995 then moved to Ireland and have been working here full time since then.
    I’m thinking of moving back to the UK and wondered if my contributions to my state pension in Ireland could be transferred and added to my UK state pension pot?? I’m 52 and will continue to work until 65.

    Thank you

    • David Morris says:

      Hello Helene, yes. As you worked in an EU country ALL work experience in any EU country is credited towards a final pension. You will apply for a pension in the country that you reside in at retirement age, and they will take into account all working experience.

  217. Hi David,
    I am 63 in a few days,I am Tunisian and worked for a whole school year as a french language teacher in Grove Hill school, Hemel Hempstead,. One of my old friends who worked the same period told me she gets a pension as well as her husband which is too good to be true! is that possible? I would be grateful if you could help me.
    Thank you in advance
    Raja

    • David Morris says:

      hello Raja, you only needed 1 year to qualify for a partial pension, so you may well qualify for that. You will not be able to make any voluntary contributions as you did not reside in the UK for at least 3 years, but you are probably entitled to a pension based on 1 year – which will be 1/30th of a full pension, roughly equal to £199 a year

  218. Hi David,

    I am living in Singapore and hope to establish foreign domicile status (do you have any advice on how I would do this?). I am contributing NI payments towards my UK Pension and I understand from previous posts that I can still collect my pension (when the time comes) if I change my citizenship but in the meantime can I still make the voluntary contributions towards my pension qualifying years if I change citizenship before retirement age?

    Appreciate your help.

    • David Morris says:

      Hello Stuart, I can’t help you with the foreign domicile status. In terms of pension, yes you can continue to make voluntary contributions to the UK pension, regardless of your citizenship or residence status.

      • Many thanks David, I really appreciate your time, I think this website is very useful for many people – thanks

  219. Andrew Bennett says:

    Hi, I was born in England in 1977 and left at 1983… i then returned for 2.5 years doing casual contract work from mid 2005 to end of 2007. I don’t know if there any options for me to contribute voluntarily to allow me to receieve part/full pension later on or if this is a waste of time. I have never worked in england beyond 3 years, but did live 3 years continously up till 5.5 years old. I am an Australian Citizen and this is where i have spent my life other than in the UK

    thanks

    • David Morris says:

      Hello Andrew, yes, you can make voluntary contributions from abroad which will entitle you to a UK pension. You will need 10 years worth to qualify for a minimum, and 35 years for the maximum. You have lots of time to make those contributions, but I wouldn’t delay, because you eventually lose the ability to contribute for each year that passes. Financially, it is a worthwhile investment.

  220. Robin Ellis says:

    I was born in Scotland in 1956 and worked for 2 years (1975-1977) before leaving the country. I am now resident in Canada. Am I eligible for anything from the UK?

    Thanks

    Robin

    • David Morris says:

      Hello Robin, you will need 10 years of NI contributions to qualify for a minimum pension. The good news is that you can make voluntary contributions from Canada, and you still have time to get you to at least 10, or more. That will qualify you for a partial pension. If you decide to make those contributions, you should start as soon as possible, to give you the maximum pension

  221. DAVID CARTER says:

    Hi David,
    Hope you can help. I was born in the U.K. in September of 1950. Worked from the age of 17 until 1982 when I moved to N.Z. I know I am entitled a N.Z. pension, who then claim part back from the U.K. I now live in Thailand and at present do not wish to go back to N.Z. to claim my pension, which I have to do. I can’t find a email address for any U.K pension apartments who can help or simply give me advise about any entitlements I might get.
    Any thoughts would be grateful.

    • David Morris says:

      Hello David, you are entitled to a partial UK pension. You also still have the ability to make some voluntary payments to increase it. You will reach UK pension age in September of this year. If you join us, we will send you by email a package of information about how to make voluntary payments, how to apply for the pension, who to contact etc.

  222. Barbara Hutton says:

    Hi David.

    I was born in Scotland in Sept. 1951. Moved to Australia at 8 years and returned at 16. Worked for a little less than 2 years and returned to Oz. I vaguely recall having taken my National Insurance as a refunded cash amount. Would that be correct? I am heading towards retirement and need to find out whether I’m entitled to a British pension.
    Thank you

    Barbara

    • David Morris says:

      Hello Barbara, you are entitled to a partial pension. You only needed 1 year to qualify, and you have that. You reached UK pension age in 2013, but you can still buy back a couple of years. You can’t normally get a refund of your NI contributions. You should look into making some voluntary contributions as soon as possible

  223. Ross Poppleton says:

    Hello David,

    I am a British citizen, I worked 27 years in the UK and 21 years in the USA. I am currently being paid social security retirement benefits in the USA. Could you tell me if I would also be eligible for social security/pension from the UK please?
    I was diagnosed with Parkinson’s disease and had to retire early at 64 years 7 months, I was born 4th May 1950.

    • David Morris says:

      Hello Ross, there is a reciprocal agreement between the US and the Uk for pensions. This means that your work record in one country may be taken into account when calculating the retirement benefits in the other. If the US did not take into account your UK work record for calculating the social security retirement benefit in the US, then yes, you are absolutely entitled to a UK pension. You will reach UK pension age in May 2015, so you can apply now.

  224. Janet Green says:

    Hi David I was born in the UK Dec 50 and worked from 1969 – 83 on and off. was married in 71. I moved to Canada in 1989 and was divorced in 1991.Do I qualify for a full pension?

    • David Morris says:

      Hello Janet, you reached pension age in 2011 and you needed 30 years of work for a full pension. I can’t tell exactly how many you have, but it looks like it may be around 15 – 17, so you won’t qualify for a full pension. You still are able to buy back a couple of years, so you should get at least 50% of a pension or more. Because you haven’t yet claimed your pension, you also will be entitled to an increase in the base amount for every year you deferred it (or you could opt for a lump sum backdated to 2011). If you choose an increase in the base amount, it will add about 12% for every year you defer.

  225. Noli J. says:

    Hi, I just got my British Citizenship 2 years ago and will migrate to UK next year..I am 49 years old now and still planning to work. Will I still be entitled to have pension even I will start at this age?

    • David Morris says:

      Hello Noli, the pension system in the UK is a contributory one, so for every year of work, you will build an entitlement. You will also be entitled to a Canadian pension for the years you worked here

  226. joanne halliday says:

    Please can you help me. My mom is moving back to Scotland after living out the country for 45 years. She does receive a small pension (she is 82) but is trying to find out what she would get moving back to the UK and how long it would take to take effect? Also if she married would she receive more? Any advise would be appreciated. Thanks

    • David Morris says:

      Hello Joanne, your mum will get her pension uprated to current levels when she moves back. The amount she gets will be based on the number of years credit that was used to calculate her existing pension. I can’t tell you what that amount is, without knowing the number of years she had. A full pension in the UK is about £115 a week. She will get a percentage of that, based on how many years pension credit was given to her. It should take effect immediately on her return. She will need to advise the local pension dept when she returns. She won’t receive more if she marries.

  227. John Wilson says:

    I was born in Scotland in 1952 and worked in the U.K. from about September 1969 to March 1975 before emigrating to Canada and I also worked in the U.K. for a few months between 1996 – 1997. Am I eligible to buy back ten years of pension and receive a portion of the U.K. pension?

    • David Morris says:

      Hello John, it looks like you have about 6 or 7 years already. You need 10 to qualify for a minimum. Yes, you still have time to buy back enough years to get you to at least 10. You should be able to buy back 6, plus another two years until pension age in 2017. Don’t delay though, as you lose the right to buy back years as time goes on. If you join us, we will get you started on what to do next.

  228. Martina says:

    Hello David
    I’m Italian but worked in London from Sept 1995 to Feb 2003, so 7 and 1/2 years.
    I worked continuosly during that period and was wondering whether once I get to 63 I can get a UK pension directly from UK or not.
    I’ve read above that one needs 10 year contributions for a minimum pension whilst I have 7.5.

    Now I’ve relocated back to Italy.
    thanks for your answer
    Martina

    • David Morris says:

      Hello Martina, I am not familiar with EU rules for pensions. Pensions are harmonized in the UK, which generally means you get pension credit for any years worked anywhere in the EU. You should talk to the pension authorities in Italy, who will tell you the rules

    • Hi Martina,
      I have found the following website useful for the EU pension rules. You might be able to apply one of the sample stories.

      http://europa.eu/youreurope/citizens/work/retire-abroad/state-pensions-abroad/index_en.htm

      I’m not an expert! I’m just in a similar situation as you.
      My understanding is that in your case UK should be paying a pro-rata pension for the 7.5 years you worked in UK.

  229. Natasha Maslesha says:

    Hello,

    My father is from Macedonia, and he worked in UK for 5 years. My question is does he have a right to one-time or monthly payment?

    Thank you in advance,

    Natasha

    • David Morris says:

      Hello Natasha, I can’t answer your question unless I know your fathers date of birth, and where he is living now.

    • Anne Marie Ward says:

      Hi, my date of birth is 09.12.52 ……… I’ve been living in Spain thus past 15years, but worked in uk for many years . Am I entitled to a basic uk pension, and if so, when should I apply. Thank you

      • David Morris says:

        Hello Anne Marie, because you live in the EU, you come under their rules. Pensions are harmonized in the EU, so you will get a pension for any years spent working anywhere in the EU. I can’t help you with the rules for applying as you are supposed to apply in Spain. The Spanish pension authorities will contact the UK. You reach UK pension age this year.

  230. Helen McPeake says:

    Hi David,
    My date of birth is 14 April 1949. I worked in N ireland up until Jan 22 1988 and then moved to Canada. I have not applied for my pension yet as I am still working. When I do apply for it will it be frozen from the date I claim it or was it frozen from the day I left N Ireland. Have you any idea of the amount I might recieve.

    Also my partner and I have lived together for the past 12 years he also is from N ireland and worked there up untill 1972.
    His date of birth is 22nd May 1949. Will he recieve a pension. One more question do they recognise common law partners in Britian. For is he is not entitled to a pension will he then recieve one as I am eligible.

    I am a member and thanks for all your great work.

    • David Morris says:

      Hello Helen, thanks for being a member, and hello to a fellow Northern Irelander
      In regards to your questions. Your pension will be frozen only from when you first receive it, not when you left N. Ireland. You reached pension age in 2009, so when you do claim it, you can opt for a lump sum back payment to then, or get a bigger weekly pension amount instead. Your pension amount will be based on the actual number of years. It looks like you have maybe 23 years, so you would get 23/39ths of a full pension. That equals about £3,500 a year. It will actually be more than that if you opt for an increased pension instead of a lump sum. At a rough guess it would be about £6,200 a year.
      As for your partner, he is entitled to a pension in his own right, for any time he worked there. He only needed 1 year to qualify for a minimum. He reached pension age in 2014, so he still has time to buy back a few years. Unfortunately, he does not qualify for a spousal pension, as they were only available to men born after April 1950

  231. Alexander Ritchie says:

    Hello David,
    I was born in 1958 in Edinburgh Scotland and worked in the UK from around 1973 until 1978 until i moved to Canada,
    Am i entitled to a state pension? and if so what steps do i take,and also i have no record of my insurance # in the UK, how can i trace this.
    Thank you . Alex.

    • David Morris says:

      Hello Alexander, you will need 10 years of NI contributions to qualify for a minimum pension. The good news is that you have until 2024 to make enough voluntary contributions which will more than get you there. If you join us, we can help. We will send you a package of information, including how to find out your NI number, apply for a pension statement, and make voluntary contributions. It is a really good financial deal to make these contributions, so you should seriously consider it.

  232. my 72 year old English friend dies from a heart attack last year. He lived and worked in Thailand for over 25 years. he was a very successful business man and died leaving a tidy sum of money. he bought land and built a house but had to put everything in his female companionship’s name as he wasn’t able to own the land. He lived with this lady for 16 years at there house. Question, Is she entitled to any thing from his pension as they lived together for so long, is she classified as a common law wife. thank you for any help

    • David Morris says:

      Hello Colin, I am not knowledgeable in what is considered common law marriage in Thailand, but I would guess that she would be considered as a common law wife. In terms of pension entitlement, providing she reaches pension age before April 2016, then she would be entitled to a spousal pension equal to what your friend was receiving.

  233. Hi David
    My wife was born in the UK in 1952. In March 2015 she starting receiving UK pension based on the 4 years work that she did back in 1970-1973. Is it to late for her to buy back years of pension? Also I was born in 1955 and have never klived/worked in the UK. Will I be eligible for 60% of her pension when I reach 65?

    • David Morris says:

      Hello Tom, she should be able to buy back a few years, possibly 4 or 5. She would need to apply to do that. As you reach pension age after 2016, you will not be entitled to any spousal pension

      • Thanks David.
        Where can I get the application forms?
        Also, should her pension also have been adjusted for those years where she raised children and finally, would she qualify for back pay? The reason I ask was neither of these items ere addressed in the original application.

        • David Morris says:

          Hello Tom, she must have already sent in an application form if she is now receiving a pension. That application should have contained any child raising years in the UK. To apply to make back payments, she simply needs to write to the DWP on the UK.
          If you join us, we will send you an information package that covers all of that in detail

  234. Hi David,

    My husband is deceased (2008) but worked in the UK for a number of years before moving to Canada. Am I entitled to a widows pension?

    • David Morris says:

      Hello Lilian, I can’t answer your question without knowing both you and your husbands date of birth

  235. robert bovingdon says:

    I have lived in Holland for 46 years ,left England when I was 20 .am now 65 have I right to a pension from the UK over the period that I worked in the UK.

    • David Morris says:

      Hello Robert, the short answer is yes. When you apply for your pension in Holland, you tell them about your work record in the UK, and they will handle it from there.

  236. Hello ,
    Im british by birth and have lived in canada for most of my life .
    I did work 2 years in England and would like to come back to England to retire. I was born in 1962
    would i be entitled to any pension or any other type of old age living allowance.
    Txs LOU

    • David Morris says:

      Hello Louise, I can only comment on the UK state pension, not on any other benefits that might be available in the UK. You will need 10 years to qualify for a minimum pension. Unfortunately, to be able to make voluntary contributions, you need to have resided in the UK for 3 years. That means you won’t be able to get to the 10 years you need.

  237. HI, I was born 1949 October. I am a female. I left Scotland in 1972.
    I worked full time in Scotland from 1964 to 1968. Am I entitled to any U.K.pension? thanks.

    • David Morris says:

      Hello Margo, unfortunately no. You are in the age group that needed 10 years to qualify, and it is now too late to buy back enough to get you to that number

    • val mcdonald says:

      personally i would contact the uk pension office they will tell you if your entitled and how much.i think your before the 10 yr rule

  238. Collins says:

    Living in the U.K. does the government give every-one a sponsored pension like Canada pension ?

    • David Morris says:

      Hello Collins, I am not sure what your question means. Yes, the UK has a contributory pension scheme similar to the Canada pension Scheme.

  239. My father in law moved to the UK in 2006.

    He has been unable to find work and has not been employed since moving.
    He has a disability but has been claiming JSA as well as housing benefit.
    He was born in 1956. His wife has also never worked.

    Is he applicable for a pension? Assuming not would he be entitled to any other benefits?

    We are trying to plan for our future but concerned how this may impact our plans.

    • David Morris says:

      Hello Kieran, I can’t comment about the benefits available to people living in the UK. This website is for people who have left the UK and are living abroad.

  240. Hello
    Thank you for a VERY informative site…. I am widowed been married to my late husband for 4 years, he was a British national…… he paid NI for all his life .and drew a British pension whilst alive ……. Since he has passed am I eligible for a British pension – I am South African and have never worked in the UK . My date of birth is 01 September 1954 if I am eligible is their a percentage of what is due to me ………. I am in the process of claiming a bereavement benefit ( widows pension) which I am also not sure I qualify for but have applied anyway. …………. thereafter am I also entitled to a widows pension .
    Many thanks in advance

    • David Morris says:

      Hello Avril, unfortunately, you reach pension age in 2020, which is after the new pension legislation comes into force. Spousal pensions are being eliminated for those people that reach pension age after 2016, so you would not qualify. Sorry.

  241. Jennifer says:

    My husband and I live in New Zealand and are getting nearer to the pension age and heard that my husband will need his national insurance number from back in the 70’s. Please advise how we go about obtaining this as have no current record of it. Thank you

    • David Morris says:

      Hello Jennifer, you need to write to the DWP and tell them his last address in the UK, and his last employer.
      If you join us, we can help you how to get started.

  242. Debbie Harpin says:

    I worked in England from Sept.1976 to the end of 1980. I was born in 1954.
    I understand that I have not got enough years to receive a pension but can I make voluntary contributions to bring my years work up to the eligible date?

    • David Morris says:

      Hello Debbie, absolutely. You need 10 years for a minimum pension. You have 5 now. You reach pension age in 2019, so you can make voluntary contributions going forward, plus you can make back contributions for 6 years. You can end up with 14 or 15 years of eligibility.

  243. bhag singh buttar says:

    hi dear my dob is 20 june 1950.i will start getting pension in june 2015.i got married in 1971 my wife still living with me .I want to ask you can my wife apply for pension based on my contribution.her dob is 10 march 1952.she never went to uk.we are living in Canada.please reply in detail I shall be thankful to you.

    • David Morris says:

      Hello Bhag Singh, yes your spouse is entitled to a UK pension equal to 60% of your pension. She will have to apply for it. It doesn’t come automatically.

  244. I was born in 1940 and grew up in the UK. I worked full-time in the UK between 1964 and 1969. In late 1969 I came to Canada and have lived here ever since.
    At this late date a friend suggested I apply for a UK pension. I wrote to DWP with the above details and they have sent me form IPC BR1 GOV to complete.
    Now I see from your very helpful website that since I am in your category 1 I’m not eligible for any pension. Also, I cannot make any voluntary additional contributions – is that correct? Does citizenship or years of non-working residence in the UK make any difference? As a married woman I could choose between two rates of national insurance contribution. I chose the lower rate. My husband was a student in the UK but never worked there.
    Thanks so much for any help!

    • David Morris says:

      Hello Susan, unfortunately you are correct. You needed 10 years of contributions, and it is too late now to make back payments. Citizenship and residence does not matter, as such. The only thing that matters is whether you made NI contributions, or had credit for contributions based on some factors such as child raising.

  245. Frances Monro says:

    Hi, David. I am a woman born 9th November 1953. I had various jobs in the U.K. while I was a student between about 1968 and 1976, when I moved to Canada. I returned to the U.K. between 1985 and 1987 to do a Master’s degree and worked part-time throughout this period. Because I only worked full time for a relatively short period, I have no idea how many years of pension I accumulated in total. How do I find out and can/should I top my pension up at this point? I retired in Canada at the end of 2013.

    • David Morris says:

      Hello Frances, your UK pension date is 6th November 2018, so you have time to make more contributions if you wish. You will need 10 years to qualify for a minimum pension. With part time employment, in order to make a year qualify, you have to have earned over a certain amount (and had NI deducted) for that year. For example, for 2014, if you earned above £5,772 during the year, that year would qualify as a full year for pension purposes. For the years you worked part time, if you earned more than the minimum for that year, then it would qualify. The Department of Works and pensions would have your record of employment and contributions, and can tell you how many qualifying years you have.
      If you join us, we will send you a package of information on what to do next, plus how to make voluntary contributions and the rules for making Class 2 voluntary contributions, which is much cheaper. It is definitely worth your while to pursue this further, as you might well be eligible, and you still have time to catch up

      • Frances Monro says:

        I think my pension date is 2016m isn’t it?

        • David Morris says:

          hello Frances, no your date is November 2018 (if your DOB is November 1953). The pension age for women has been steadily increasing, and will reach 66 in the next few years.

  246. Arthur Faria says:

    I am American and retired in the United States. However, because my daughter lives in the UK I would like to move there and would like to know if I would be entitled to anything from the UK government based on the reciprocity agreement there is between the US and UK.

    Thank you

    • David Morris says:

      Hello Arthur, the short answer is that I am not familiar with the UK/US reciprocal agreement. I know that contributions in either country can count towards a pension in the other, but you can’t collect two pensions. If you are already retired and collecting social security pension, it is very unlikely that you will also qualify for a UK one

  247. Ekaterina Gancheva says:

    Dear David,

    My name is Ekaterina Gancheva. I worked in the UK from December 2003 to August 2010 as an employee. After that I came back to my country – Bulgaria and currently I live and work here and it is the same situation for my husband, too. We plan to stay and work here hopefully till we are alive. My date of birth is 27.09.1976 and my husband’s is: 04.07.1977. I want to know are we going to be eligible for some sort of pension in UK, when the time comes? Thank you for your cooperation in advance!!!

    • David Morris says:

      Hello Ekaterina, as you live in the EU, your pension rights are governed by EU treaty. This means that any work in the UK will be counted towards your pension. When you apply in Bulgaria for your pension, they will contact the UK and include any UK work as part of your pension calculation. You can not apply for a UK pension separately while you live in the EU

  248. Georgina Wilson says:

    Hi
    I was born in Canada 1957 and attended one school year in the UK (British Mother) with remaining time in Canada. I just received British Citizenship in 2015 through my British mother now that the laws changed. (used to be only through Father) I am now living in the UK since 2014 although not working as yet.

    Can I buyback some years of British pension and be able to obtain a small pension at retirement?

    • David Morris says:

      Hello Georgina, no you can’t buy back any years. You have to be living in the UK for at least 3 years, and you need to have a National Insurance number. I am not fully up to date on the rules for pensions and other benefits if you live in the UK. We focus here on the rules for expats living abroad. You should contact your local Government services office

  249. Dave Hornby says:

    Hi David
    I was born in 1953 emigrated in 1979, I’ve received my estimate for the voluntary NIC class 3 payments and want to forward my first payment for years 2006/07. Where should I send the money order?
    Hope you can help.

    Thanks

    • David Morris says:

      Hello Dave, if you are a member, all that information is contained in your membership package. You may also be eligible to make Class 2 payments, which are much cheaper. If you aren’t a member, you should join us. We will give you a complete information package, and you will be helping us fight to get your pension indexed to inflation

  250. Sophia McArthur says:

    I am South African and my late husband and I were going to move to England he was a British citizen but unfortunately he passed away last year in August. He was 11/12 years old when his family left England so he never worked there and I think he was not entitled to any pension and nor will I be entitled to any is this correct? If I go live in the UK will I be able to buy any pension back or not?

    Thank you

    • David Morris says:

      Hello Sophia, no he was not entitled to a UK State pension. If you went to live in the UK, you would not be able to buy back any years at this point. Sorry

  251. Hi, My mom was born in Scotland in 1938. She worked until she left in 1963 to the US and has lived in the US ever since. Is she eligible for a state pension? If she is, do you have any guidance on how she would apply? Thank you

    • David Morris says:

      Hello Mandy, your mother would need to have worked 10 years in the UK in order to be eligible. You would have to find out what age she started work, and how many years she worked.

      • Hi David, My mom said she worked for 9 years, from 16 to 25 when she left. I was reading that you could pay in to top off if you didn’t have enough credits. Would that apply to my mom? Thank you very much for your assistance. Mandy

        • David Morris says:

          Hello Mandy, unfortunately, it is too late for your mother to buy back any years. It may be worth applying anyway, because she is so close.

  252. Dave Martin says:

    Hi Dave,
    I was born in 1954 in the UK, worked for local authority until 1987 and now reside in Canada.
    I have been wrestling with the local Govt. Pension Fund who advised me 3 weeks before I was 60 that if I wanted to transfer my LGPS pension it had to be done before I was 60?
    However should I get approximately 15/30ths government pension?
    Thanks
    Dave

    • David Morris says:

      Hello Dave, I can’t help you with the occupational pension, as they are all different, but you are certainly entitled to a partial UK state pension. You also have time to make additional voluntary contributions. You reach state pension age in 2019, and will need 35 years to get the maximum. If you have less than 35, it is just prorated eg 15/35ths

  253. David Hatton says:

    My wife was born on Feb 19, 1950 and worked in England for five and a half years before we emigrated to Canada.

    Is she eligible for a UK pension?

    Thank You, David

    • David Morris says:

      Hello David, your wife reached pension age in February 2010. Because of that, she is in the category where she needed 10 years of eligible contributions. If she had been born in April 1950, she would only need 1.
      It looks like she would not be eligible. However, it would not hurt to enquire. It could depend on when she started work. You normally get two years credit from age 16 to 18, plus what ever years were worked. She would have 6 from her working years, plus maybe 2, and she may still be able to buy back 2. It could be close.

  254. My dad passed away October 2014, he had lived in canada over 40 years and moves here when he was 24, he was getting a British pension, do I have to claim that at income tax time when I’m doing his taxes?

    • David Morris says:

      Hello Angela, legally you are required to report all income from any source on Canadian income tax returns.

  255. Hello, I was born in the UK in 1955, attended university in Scotland (1972-1976) and in Canada (1976 – 1979) then married a Canadian and returned to Canada permanently in 1979. I worked a few monthe every summer in the UK while at Schoold and University and again for a few months in 1979. I have worked in Canada since 1980. I have a UK State Pension statement that says I have 3 qualifying years. Do you think I would I qualify to make additional Class 2 or 3 voluntary contributions and receive a UK pension? Would it be worthwhile?
    Thanks,
    Mary

    • David Morris says:

      Hello Mary, you will reach UK pension age in 2021, and will need 10 years to qualify for a partial pension. You still have time to make voluntary contributions to get you there, and you are entitled to do that. Financially it is definitely worth it. You can make Class 3 contributions, and may be eligible for Class 2, which is cheaper.
      If you join us, we will send you a package of info on how to make voluntary payments, and details on how to qualify for Class 2

  256. John E Asher says:

    I was born in england 1961, I left to move to Canada in Feb 1989. I worked in England for 11 years, am I entitled to a UK pension? My wife was also born in 1961 and worked for 9 years before we emigrated to Canada will she be entitled to a UK pension?

    John E Asher

    • David Morris says:

      Hello John, yes you are entitled to a partial pension. You only need 10 years to qualify and you have 11. Your wife likely needs 1 more year of contributions to qualify. The good news is that you are able to make voluntary contributions from abroad to the NI system in the UK, which will allow you to increase your pension entitlement.
      This is definitely worth doing from a financial perspective

      • Arun Patel says:

        Hello John / David,
        I just want to add to David’s response. To qualify for a full UK pension you need 30 years of contribution to the pension fund. However, if you have less than that then you have an option to increase your pension by voluntary pension each year until the year you turn 65 (laws keeps changing for qualifying years as well as retirement age). If you do not pay voluntary pension then you will get 1/30th times the number of years that you have contributed while you were working.
        Write to pension office for pension estimate and they will tell you how much you need to pay for voluntary amount. (give your National Insurance # if possible) Also, there are 2 classes of voluntary pensions (class 2 & class 3). Class 2 is lot cheaper than class 3 contributions. The only stipulation is that you have to be working overseas. (I am not sure where you are). Once you correspond with them they will write to you for what class you qualify.
        Hope this helps.

      • John E Asher says:

        What would the payments per year be and how many would be optimum?

        • David Morris says:

          Hello John, the payments differ depending on whether you have to pay Class 3, or can qualify for Class 2. The Pension dept doesn’t advertise that you can pay Class 2, so you have to ask for it, and you have to meet their criteria. Every payment you make buys you 1 extra year of pension eligibility. It is a good financial deal, so you should buy as many as you can afford, up to the maximum.

  257. Hello David ,

    I am born 04 August 1970 Lithuanian .I am working in Scotland 5-6 months a year(seasonal job) since 2006 every year and paying NI .Do I qualify for a pension and how to count qualifying years if i am working only 5-6 months a year ?

    Thank You ,Virgis

    • David Morris says:

      Hello Virgis, you live in an EU country where pensions are harmonized. That means that any work credits you have in any EU country get credited towards an EU pension. In the UK if you worked for 6 months, you would have reached the threshold where it counts as a full year.

    • John Byrne says:

      Hello David,

      I was born 12/05/1948 and worked in UK FOR 2 years September 1967 to August 1969 .I am receiving Irish state

      pension but have not claimed the small pension to date from UK .Before I try I would like to know if my wife would be

      eligible for any pension from UK even though she has never worked there ,her dob is 22/01/1950 also how does one

      go about buying back years.

      • David Morris says:

        Hello John, your wife should be eligible to receive a pension equal to 60% of yours. To be honest though, if you live in Ireland, you come under EU rules for pensions. These rules affect anyone living in the EU who worked in other EU countries. I am not familiar with how these rules operate, so I can’t say for sure what your wife would be eligible for.

        • john o hagan says:

          hello david thank you for your fast replay we are not maried she gets she gets some uk pension of her own right paid into our bank here in ireland i also get mine but how do we go about things when we return to the uk regarding our pensions?thank you John

          • David Morris says:

            Hello John (O Hagan), I am not sure I understand your question. If you are already getting a UK pension paid in Ireland, you simply advise the pension department of your new address in the UK when you move there.

          • john o hagan says:

            thank you david John

  258. My birth date is December 26, 1948. I worked in England from July 1965 to May 1974. Do I only need one year to be eligible for a pension? Also, I have some information that says it would cost 700 GPB per year to buy additional years? Would that be worth it?

    • David Morris says:

      Hello Phil, yes, you only need 1 year to qualify. £700 is the class 3 rate to but an additional year. The class 2 rate is only £150, and you may qualify for that. Even at £700 I believe it is still worth it. 1 year of extra pension at 2014 rates gets you almost £200 a year extra pension, so the £700 gets paid back in 3.5 years. After the 3.5 years, you are ahead.

  259. mengshan zhang says:

    Hello I am Chinese by birth but in 2007 I married an Englishman, and live in the uk I am now over 63 yrs old Am I entitled to a uk ol;d age persons

    • David Morris says:

      Hello Mengshan, if you live in the UK, I can’t really help you. You should contact your local pension office. We are set up here to support people not living in the UK, who might be entitled to a pension

    • Chris K says:

      Hi David,
      I am currently a UK citizen residing in Singapore. Although I have not lived in the UK for 25 years I have been making voluntary NI contributions under Class 2 and will have more than 30 years contributions. If I become a Singapore citizen and give up my UK citizenship,will I still be eligible for my UK pension when reaching pensionable age ? If so will it be frozen or will it be indexed ? And can I receive it in Singapore ?

      • David Morris says:

        Hello Chris, you do not need to be a UK citizen to receive your pension and it is payable anywhere in the world. Unfortunately, in Singapore it will be frozen.

  260. John Dorman says:

    Hello David,

    I left school in 1967 and went to college for a year before beginning my apprenticeship in 1968. I received a bursary while in college but don’t remember if I paid towards my pension during that year. After finishing my apprenticeship I continued to work until coming to Canada in 1974. I will be pension age in November 2016 and wondered if it is too late for me to catch up to qualify for minimum pension.
    Thank you in advance.

    John

    • David Morris says:

      Hello John, you will need 10 years to qualify for a minimum pension. It looks like you probably have 6 already, and you can certainly buy back up to 6 years, so it is not too late to qualify. You should pursue this right away though.

  261. Inge Moore says:

    Hello –

    I am a woman born in October 1950. I will be 65 this year. I am Canadian, living in Canada, and I worked in England for approximately two years, some time between 1972 and 1974. Am I eligible for a pension from England and how do I get one if I am?

    Thanks,

    Inge

    • David Morris says:

      Hello Inge, you may be eligible for a very small partial pension. You will not be able to make voluntary contributions to add to it, though. You need to track down your National Insurance number as a first step.
      If you join us, we can tell you how to go about doing that.

      • Hello, I was Born in England in 1957 and worked approx 3 years there before leaving for Switzerland where I am Today.
        Do I have any tax return for those three years, i never even thought about it till now.
        Kinds Regards Carol.

        • David Morris says:

          Hello Carol, no – providing you were not self employed, you do not need to prepare a tax return for the years in the UK.

  262. I am UK citizen resident in Canada since 1980. Will qualify for full pension this year.Am a grateful CABP member.The non indexation will soon cause me concern. Should I decide to join my daughter in a fully indexed country ( not UK ) what do I do to receive the indexed pension ?

  263. Hi. I worked in the UK (scotland) for 4 years, then moved out of the EU. Can i get entitlement for a UK pension if i pay the 143£ x 26 (for 26 years to make the total 30)?
    I dont know if its important to note that i also worked in Germany for about a year.
    My birth date April 1971 and currently living in the seychelles.
    Thnx.
    AB

    • David Morris says:

      Hello AB, you will need 10 years to qualify for a partial pension, and 35 for a full. You are able to make voluntary contributions going forward, and you can also make 6 back payments. You reach pension age in 2038 so you can make approx. 23 payments going forward, plus 6 retroactive, plus the 4 you already have. That should give you 33, which is pretty close to the full pension.
      The rate you pay for these contributions will either be Class 2 or class 3. The rules on Class 2 are quite strict. If you join us, we can provide you with a package of information on how to get started, including how to qualify for class 2

  264. Hi,

    I was born in 1977. Moved to UK in 2005 and now a UK citizen. I worked there from 2005 to 2014. Since April 2014 I have moved to US.

    So effectively I have paid just under 9 years of NI. I have paid some more recently because of some income I received in Jan 2015. I understand UK and USA have some bilateral social security agreement. Please can you help me understand what should I be doing in future to protect my long term pension?

    Thanks
    NG

    • David Morris says:

      Hello NG, the UK and the US have a reciprocal agreement where contributions to a UK pension can count towards the US Social security. You have the choice of using your UK contributions that way, or of claiming a UK pension and US Social Security separately. I can’t tell you which is the better option, as it depends on whether your contributory years in the UK will produce a better Social security amount, than if you claimed them separately.

  265. Carole McNamara says:

    I worked in UK from Jan 1973 until May 2187, then move to US. Born in 57 I just found out that I now have to wait until I am 65 to claim pension. That’s great notice for someone 2 years aways from expecting benefits. Anyway would my US husband, who has never worked in UK be eligible for any benefits a) when he reaches retirement age (he’s the same age as me), and b) could he claim my benefits if I die before the new retirement age, and c) is he eligible for a spousal benefit when we both come “of age”. Finally, do you have to have a UK bank account for it to be paid into?

    • David Morris says:

      Hello Carole, your husband will not be entitled to any UK pension. Nor will he be entitled to any benefits derived from you, if you should die at any time. You do not need a UK bank account. Your pension can be paid electronically directly into a bank in the US

  266. linda Ashley says:

    I was born in England and paid into the NI for five years. But have lived overseas for 30 years. Between the US, Bahamas and the Turks and Cacaos Islands. Not spending more then 6 months in one place.
    Now I am 55. I was born in 1960.
    I am married to a US citizen but have only a UK passport and no paper work for the US as we have never lived there .

    Looking on the NI pension website I think I can paid gaps in my NI to up to 6 years . Then pay about 700 pound a year into NI Under the class 3 NI pension for people who live overseas.
    I have never worked over seas.

    Is this right and do I only have until April of this year to pay a 6 year gap???

    • David Morris says:

      Hello Linda, yes, you can make voluntary contributions from overseas. You do not have to be working. You have 6 years to pay any given year, so for 2014, you have until 2020 to pay for that year. That means you can go back 6 years and pay for 2008/2009. Next year you can pay for 2009/2010. You will need 10 years to qualify for a minimum pension

  267. Hello, I am a paid-up member of CABP (32611) and was hoping you could answer these questions for me. First, here is the background information

    – My date of birth is 16th March 1951.
    – I presently have 28 qualifying years of NIC.
    – I plan to buy a final qualifying year this year – before I reach pensionable age.
    – I have already purchased the maximum number of past years I can, so (I’m told) cannot reach 30 qualifying years

    – My wife’s date of birth is 14th January 1953.
    – We were married in 2014.
    – She has never paid any NICs and is a Canadian citizen.

    My questions are:
    – will my wife be entitled to a Category B pension?
    – if yes, what rate will the Category B pension be set at?
    – and finally, if yes, at what date will she be entitled to draw this pension?

    Very sincere thanks for your assistance in this matter – Rik

    • David Morris says:

      Hello Rik, thanks for joining us. Yes, your wife is entitled to a Category B pension. It will be approx. 60% of whatever your pension is. She will be able to apply for it when you both reach pension age. Your date is March 2016, and her date is November 2015. So, once you reach pension age you can both apply. She will actually have to apply, it doesn’t happen automatically

  268. martina cunningham says:

    Im not english. I worked in england for 1 and a half years from sep 1987 until feb 1989 and i paid tax and everything. i was born in 1967 just wondering would i qualify for anything.

  269. Hi. I worked in the UK (scotland) for 4 years, then moved out of the EU. Can i get entitlement for a UK pension if i pay the 143£ x 26 (for 26 years to make the total 30)?
    I dont know if its important to note that i also worked in Germany for about a year.
    Thnx.
    AB

  270. Hi . I am an English Citizen who was born 11/27/1966.
    I worked from age 18 till 22 going to college from ages 22 to 25 working for another 18 months before moving to America.
    Can I ask if I am able to get a pension , and am I eligible to buy make voluntary contributions.
    Many thanks

    • David Morris says:

      Hello Doug, yes, you would be entitled to a UK pension if you have 10 years contributions. You are able to make voluntary contributions from anywhere in the world, so you can certainly reach that minimum by making those contributions. It is a great financial deal to do that.

      • David . Many thanks for the reply. It is much appreciated.
        So lets say I have 6/7 years at present , the first thing is to get to the minimum of 10 years by making voluntary payments . is that correct ?
        Given that I am 48 , what is the maximum amount of voluntary contributions I could make to take me from the minimum of 10/30 ths of a pension as close to getting a full.
        Lastly how can I find out whether I am Class 1 / 2/3.
        Many thanks
        Doug

        • David Morris says:

          hello Doug, yes, you don’t want to let your 6 or 7 years be wasted, so your should get to 10 at least.
          Your pension age is 66 and you will need 35 years for the maximum pension. You can contribute going forward for approx. 18 years, and you can buy back 6, so that should get you to approx. 33 years, which is pretty close to a full pension. The default option for you is Class 3, but you may be able to qualify for class 2, which is much cheaper. If you join us, we will send yo an information package that details all of that. It is really useful information

  271. Mari Arjona says:

    I am 39 years old and have worked in the UK from Dec 2010 to Feb 2010.. I am about to move out of the UK and not really thinking of coming back. I am elegible to a UK pension
    Thanks for your time

  272. Hi

    I was born in the UK. My parents left when i was two years old. if i return to the UK will i need a work permit and what would i if any would be entitle to. i would like to return and begin working.

    Regards Ian

    • David Morris says:

      Hello Ian, I can”t help you with questions about work permits. I can only help with questions about