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.  At this late stage, just one voluntary payment can be made to top-up your pension contributions to meet the minimum, and only if you reach pension age in 2009/10.

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. HI David,
    Is UK pension taxable income in Canada?
    A friend of mine who gets UK pension in Canada says it is not due to a tax treaty between UK and Canada

  2. Martine Lamour Koessler says:

    Hi,
    i have worked in England from late 1982 (or beginning 1983) to june 1986 and the french pension system
    i depend on said that the time i worked in England would count for my pension in France
    (i was recorded in NHS as Miss M.C.P. LAMOUR, can you give me informations on this.
    and also let me know if when i retire i will be entitled to a pension from England
    for the time i worked in the UK

    my employers were :
    Bristish Home Store in Watford and in Southend-on-sea
    Intasun Holidays in London
    American Express in Brighton

    Many thanks for your prompt answer,

    Yours faitjfully

    M. Koessler (my married name is Koessler)

    • David Morris says:

      Hello Martine, your pension falls under the rules of the EU. Any credits from any EU country are combined together to produce a single pension. I can’t be more specific, because I am not familiar with all the EU rules, but your work experience in the UK will be recognized

  3. marg dixon says:

    i have been livinc in newzeland since 1968 and want to come back to live to be with my family would i be able to get the pension i was bourn in huddersfield and if so what would i be entitled to hoping to here from you i intend to come next year margaret dixon ne howbridge i am 71 year old

    • David Morris says:

      Hello Marg, it will depend on the number of years you worked in the UK. You need to have worked at least 10

  4. Scott Bowie says:

    My parent are both Scottish Citizens. I was born in Canada in 1970 but lived in Scotland for 8 years between (1980 to 1988) before moving back to Canada where I now reside. I am a dual citizen and worked in Scotland for 1 year making NI contributions. What would my eligibility be for a pension in the future. Would it be beneficial to make voluntary payments as I am considering whether I might retire back to Scotland in the future.

    • David Morris says:

      Hello Scott, yes, you are potentially eligible for a UK pension. YOu will need 10 years of contributions, but you can make voluntary contributions from Canada.
      It is a good financial deal to do that, and your pension will be paid in Canada or Scotland

  5. bhag singh says:

    hi I am going to 65 in june 2015 can I apply uk pension now .I am qualify for pension.thankyou.

  6. Hello,

    My partner (b Sept ’45), worked in UK for a few years while qualifying as an accountant and beyond, following which he had the opportunity to work in Africa for and Rep of Ireland for a while. In about 1974/78 he moved to a British Overseas Territory where he worked and became fully vested in their system.

    We now reside in France (as of this month). He can’t find his NIN (moved too many times to retain the paperwork), and an endeavour to try and obtain it through the DWP web site reuted in a Private Eye “stupid letter of the week response”. Clearly, without knowing for how many years he worked in UK/RoI it is difficult to know whether he has made sufficient contributions to qualify for a pension. We plan to travel to UK at the end of this month and part of our mission is to visit DWP in Newcastle to see what we can learn. Any advice you may be able to give would be most sincerely appreciated.

    Kind regards

    Alex

    • David Morris says:

      Hello Alex, normally the only thing you need to get your NI number is either the last address you lived at in the UK, or your last employer in the UK.
      You need to write to them telling them that information, and asking for the NI number, and a pension forecast statement

  7. Maire Tierney says:

    Hello I worked in the NHS system as a graduate nurse then SRN in 1973/1974 when I went to Canada. Now have retired toIreland and need to find out any and all contributions made that can I can use for my pension here. How do I go about this please.

    • David Morris says:

      Hello Maire, because you now live in Ireland, you are governed by EU pension rules. You need to contact your local pension office in Ireland. They will find out all contributions you made in other EU countries

  8. I lived in UK from 1998 till now,my date of birth is 19/01/1973 i worked in UK 7months and I stoped work because my illness and disability. I contributed to UK NI. Will I get any state pension when I am retired. How can I pay additional contributionb to top up my pension.
    Many thanks

    • David Morris says:

      Hello Khadija, you will only get a state pension if you have made NI contributions. As you live in the UK, you need to contact a local branch of the Dept of Works and pensions to find out how you can make voluntary contributions

  9. My husband and I moved to Canada in 1989 and are dual citizens of Britain and Canada. I worked for 3 years in England before moving here. My husband worked in England for 10 years full-time before we moved here. Are either of us eligible for any type of pension? I was born in 1963 and my husband was born in 1960 so we are not due to retire for some time but are interested to know how we go about claiming any pension owed to us.

    Thank you for your help.

    • David Morris says:

      Hello Allison, the short answer is, yes, you can become eligible for a UK state pension. Your husband has already reached the minimum number of 10 years. You have only 3, but you are able to make on going voluntary contributions to boost both you and your husbands pensions. This is financially worth doing. If you join us, we will send you an information package on how to get started, and how to make voluntary contributions.

  10. John Carroll says:

    #29934

    Hi Dave,

    I mailed my BR19 form to the U.K on September.19.2014, requesting a pension statement, and tracing my NIN etc. Just wondering, in your experience, does it usually take this long for a reply? I’m concerned because I’ve heard somewhere that you can’t ‘top up’ your shortfall in the same year as you collect (65 in September 2015). Any and all advice is appreciated.

    John

    • David Morris says:

      Hello John, they say it should only be a couple of weeks, although my experience is it is usually about 6 weeks. If you don’t hear soon, it may be worthwhile to call them.

      • John Carroll says:

        Membership #29934.

        Hi Dave, I took your advice and called Newcastle. Thank you. They had me in their system and I have now received my pension statement, along with my lost NIN. It seems that I contributed for eight years and will receive a partial pension. Good so far. Next step is voluntary top up payments. My birth date is 19.09.1950. I am lead to believe from Newcastle that I can only top up six years. Is this true, and if it is, what will the lump sum cost me. You have indicated that this is a worthwhile investment, so am anxious to get started. Newcastle gave me a phone number to call once I received my statement, to the HM Revenue and Customs. Apparently they will explain my situation and options to top up the ‘shortfall’, either on the phone or likely by mail?

        Wanted to check with you first though, re things I shouldn’t say or should say etc. Thanks for any and all response,

        John

  11. Hi,

    I don’t know if you can help, but I am British originally and have been working in Canada for the past couple of years. I was speaking to someone who mentioned that some countries have treaties where paying into a government pension plan in one country counts in the other. I have to pay CPP and I was wondering if this is the case, or would I need to pay voluntary national insurance to ensure I get a UK state pension (at the moment I am on a work permit so it would make more sense to opt for that one)

    Thanks

    • David Morris says:

      Hello Paula, you are required to pay CPP, and you can’t get around that. However, under certain conditions, time spent working in Canada can count towards your National Insurance contributions in the UK. The rules are a little complex. You can not have lived in Canada for more than 20 years, for example. Your best bet is to contact the Dept of Works and Pensions in the UK.

  12. Hi David,

    I was born in UK in January 1959 and worked between 1977 and 1985 in UK, then moved to Germany and Australia with my husband who was in the UK Army. During this time i brought up my children and worked one year. In 1996 we emigrated permanently to Australia ( the children were 9 and 11 at this point). Am I eligible for a UK pension? Thanks for your help, debb

    • David Morris says:

      Hello Debb, yes, you will be entitled to a partial UK pension, provided you have 10 years of National Insurance contributions in the UK. You are likely pretty close to that already, but the good news is that you are still able to make voluntary contributions to enable you to at least get to the 10 years you need. You don’t reach pension age until 2025, so you have lots of time left to boost your pension by making those voluntary contributions.

  13. I was born in the UK in August 1981. I left in 2011. Aside from two years working, I was in full time education until I left the UK. According to my NI record, I have 5 qualifying years. The schedule attached to the NI record lists only the two years I was working, so am I right in thinking the other 3 years are the years of my 16th, 17th and 18th birthdays?

    My NI record invites me to make 5 years back contributions at Class 3 rate (approx £700/year). I looked carefully at form NI38, and I cannot tell if I am eligible for the Class 2 rate for either these back contributions, or for future contributions. Is my best bet to submit the NI38 form and have them make a ruling? Does that ruling apply to the back contributions as well as future, or do I need to do something else to determine if I can make Class 2 back contributions?

    • David Morris says:

      Hello John, you are correct about the 5 years NI Credit.
      The Government does not make it easy to make Class 2 payment, and usually doesn’t advise you about it. You have to apply to make Class 2 in a letter.
      If you join us, we can tell you the rules that apply, and they are generally strict about it.

  14. Hi,
    Thank you replying to many folks who have asked questions about their UK State Pension. You are doing a great service.

    I have now got 22 qualifying years and will be 65 in Dec 2014. (born Dec 1949). I have received a letter from HM Revenue and Customs suggesting that I am eligible to buy back additional 6 non-qualifying years at pounds 722.80 per year. If I buyback — will this increase my years to 28? The key words in the letter that bother me are ” six additional non-qualifying years”

    • David Morris says:

      Hello Firoz, yes, buying back those years will increase your record to 28 qualifying years. This is a standard offer made to anyone who already has 20 years at retirement age

  15. Hi David,

    I would like to clarify the eligibilty for UK State pension

    My dad born 8 April 1951, working in UK for 4 years. I understand that there is a limit for man 11 years. However,
    I assume you can somehow credit the years while working overseas.

    What is the best practice for expats? I have read on the web page copied below from which I think it should be possible to get the requested years.
    Could you please advise ?

    Thank you very much for your help.
    Kind regards.

    https://www.gov.uk/new-state-pension/living-and-working-overseas

    “You’ve worked or lived overseas

    Your UK State Pension will be based on your UK National Insurance record.

    However, you may be able to use your time abroad to make up the 10 qualifying years needed to get any new State Pension. This is most likely if you’ve lived or worked in:
    the European Economic Area (EEA)
    Switzerland
    certain countries that have a social security agreement with the UK”

    • David Morris says:

      Hello Lucie, your father will need 10 years of work credits to qualify. The good news is that he is still able right now to make voluntary contributions, and to buy back 6 years which will get him to the minimum he needs.
      I need to know where your father worked overseas, to be able to tell you if that qualifies. If he worked in Canada, that does not qualify. If in the EU, it does.

  16. Brian Stacey says:

    Hello

    I was born in Uk 1967, higher education until 1988, then from 1989 until present working in NHS. I intend to move to Indonesia in Feb 2016 – i’ll be 48, 49 in March 2016, by my reckoning i’ll have paid in 31 years NI contributions. I’m assuming i now have to pay in 35 years. i won’t be working in Indonesia, my wife will have a business though. Will i be able to claim my pension there and will i be able to top up to 35 years. i’m not sure if i need the full 35 years to claim the pension in Indonesia. If i do need to top up when would i need to do this by and what would i have to pay to get the full pension. Failing that would i be able to claim the partial pension if i decided not to top up, and would the pension qualify for annual rise in costs increase? Sorry for the long question!!

    • David Morris says:

      Hello Brian. Yes, you will need 35 years for a full pension. You certainly can make voluntary payments to get the additional years you need. You can make those voluntary payments from anywhere, and you do not need to be employed to make them. You can also have your pension paid wherever you live. Be aware, though, that if you live in Indonesia, that pension will be frozen at the level you first receive it. Indonesia is one of the “frozen” countries, which is what we are fighting hard for to change. You do not have to top up, if you don’t want to. You will simply receive a pro rated pension based on the number of years you already have. You can make the voluntary top up payments at any time. Ideally, you want to make them at the Class 2 rate, as they are substantially cheaper.
      If you join us, we will give you a package of information on how to go about making these payments. We will also be fighting on your behalf to end pension freezing.

  17. Mark LePage says:

    Hi There, I’m inquiring on behalf of my mother who was born in England in 1936. She worked in the UK for 3 yrs before immigrating to Canada. Is she eligible for a partial pension? And if she is, would you be able to lead me in the right direction on where I could find application material and info on topping up the pension?

    • David Morris says:

      Hello Mark, unfortunately, your mother is in the age category that needed 10 years of work in the UK to qualify for a minimum pension. Sorry

      • michael castiello says:

        Could you please clarify my position. I was born in england in 1956, worked from settember 1973 up until august 1982. During this time i was unemployd for 3 months. Then imigrated and live in Italy since. Could you please tell me if i’m entitled to a minimum state pension. Thank you.

        • David Morris says:

          Hello Michael, you normally will need 10 years of work contributions to qualify for a minimum UK pension – however because you live in the EU all pensions are harmonized. Which means that any contributions you made, in any country in the EU, all qualify for a standardized EU pension. When you reach pension age, your entire work history, in any country, is added together to arrive at your total eligibility. If you have been working in Italy, then that record also counts towards the UK pension

  18. bhag singh buttar says:

    hi my dob is june 1950 . I work and contribute national insurance for4 and half years in uk .now I living in Canada .am I eligible to get any partial state pention. thankyou very much

    • David Morris says:

      Hello Mr Buttar, yes, you qualify for a partial UK pension when you reach pension age next year. You also can make additional voluntary contributions to get you an increase in the pension.

  19. Hugh Barbour says:

    Could you please clarify my position; I was born in UK November 1944, worked in Northern Ireland from 26th August 1961 to 7th August 1964 then migrated & have lived in Australia since. I intend to retire soon and thought I should check if I had any eligibility to a part UK Pension if I top-up.
    Under your heading “Men born before 6th April 1945 etc. …” you state >>
    ….. At this late stage, just one voluntary payment can be made to top-up your pension contributions to meet the minimum, and only if you reach pension age in 2009/10.
    In contrast to above I think that you have replied in your Q&A section that it’s too late to top up in similar circumstances; i.e. my normal UK retirement age 25th Nov. 2009.
    Thanks for any clarification you can give and thanks for your generous contributions via your website – it’s great.
    Hugh Barbour

    • David Morris says:

      Hello Hugh, you are in the age group that needs 11 years to qualify for a partial pension. You likely only have 5, based on your employment history. It is too late for you to top up enough to reach the minimum, so there is no point in you topping up any. You could top up 1 year, but that would be a waste of money for you.

  20. Colin Newman says:

    My mother has been receiving a widow’s pension following my father’s death in October 1991 based upon his employment in the U.K. She herself worked in the U.K. for approximately 15 years. Is she entitled to receive a pension on her own right in addition to the widow’s pension or the difference bwtween the two if her pension were to calculate out higher. She is 83 years old and has never applied to receive a pension based upon her own employment. We reside in the U.S.A.

    Thank you.

    • David Morris says:

      Hello Colin, your mother would be entitled to the greater of the pension from her husband and the one she would be entitled to in her own right, but not both.

  21. Roger Smith says:

    I am 66 and due to claim my deferred Starte Pension in JANUARY 2015,my wife has decided to retire in December with me she will be 58 in January 2015 , she seems to think I will be entitled to claim the married couples pension , but I would have thought we wouldn’t qualify for that until she is 65 . Which one of us is right , I would welcome your advice .Many thanks

    • David Morris says:

      Hello Roger, normally the married couples pension top up only applied when both people reached pension age. However, the law is changing in 2016 and the spousal pension is being eliminated for any new retirees after that time. Does your wife have National Insurance credits in her own name? If not, unfortunately she will not be entitled to a spousal pension at all.

  22. Adrian Davies says:

    Hi I am British born and lived and worked in the UK until 40, I now live in Canada for last 13 years, as I don’t qualify for a full pension over here in Canada can i claim a part pension from the UK based on the years i paid tax and NI contributions?

    • David Morris says:

      Hello Adrian, absolutely you can claim a partial UK pension. Depending on your age, you may still be able to make additional voluntary contributions which will increase it. Join us, and we will send you a complete package on what to do next.

  23. Hi
    I hope this is not too complex, I worked in the UK between 1968 and 1998 then moved to Australia where after 3 years I I took citizenship, in 6 years I intend to retire aged 67 and move to the Philippine’s where my partner is from and spend half the year there and half the year here in Australia, would I be entitled to a UK pension and if so when in the Philippines would it be at the unfrozen amount, also would it be better to be paid into the Philippines, Australian or UK bank?

    • David Morris says:

      Hello Peter, not too complex at all. You are indeed entitled to a full British pension. Yes, the Philippines is an unfrozen country, so you would be entitled to the unfrozen amount while you are there. If you are going to be 6 month resident in the Philippines, you might consider making that your permanent resident address from a UK pension standpoint. That way, you should be able to claim an indexed pension for the whole year.
      You would also need to take into account the income tax situation, and tax residency requirements in both the Philippines and Australia. That is beyond my scope of advice. Purely from a UK pension point of view, residency in the Philippines is better

  24. Larry Ross says:

    Hi,
    I know I must be elegible for 15 years pension from the UK. 1964 to 1980. could you tell me how do I start my claim? who do I contact?
    Can I do it on the computer?
    I am now retired and 65 years old. Born 1949

    Thanks
    LWR

    • David Morris says:

      Hello Larry, the best thing to do is join us. We are a non profit volunteer organization. We will send you a complete package of information on how to apply for your pension, and how to make some additional voluntary contributions

  25. Hello Sir,
    I am from Romania , born in 1965, i worked in UK as a Senior care assistant in a Nursing Home in 2005-2007 , i got a NI nr card, that means i already payed the contribution in these 2 years of work .Now i will came back to work in uk as a RG nurse,then I want to know if my NI number is still available and if i can pay some voluntary contribution for the years i lost from 2007 to 2014 to reach a minimum 10 years to obtain a pension when i will reach the age, there is a plan for this, and how much i have to pay for this?? I am greatful and thank you very much for yr answer !!!

    • David Morris says:

      Hello Carmen, yes, your NI number is still available, and yes, you can make some back payments to catch up on missing years. The amount you pay will depend on what your employment status is in the UK. You would need to contact the Dept of Works and Pensions in the UK once you arrive there

  26. Hi David,

    Wondering if you can help and sorry if already covered this.

    I was born in 1983 and am 31. I have worked in the UK for a total of 13 years (9 years full time and 4 part time).

    I am planning to work in Australia for a couple of years and maybe stay permanently (still undecided) .

    Would I qualify for the full UK state pension per week or would I need to make top up contributions to NI directly to the UK from the income I earn in Australia?

    Thanks,
    Vimal

    • David Morris says:

      Hello James, given your age, you will need 35 years of contributions for a full pension. You likely have enough right now to qualify for a partial pension. You would need to make voluntary contributions to get to the full amount, and yes, you can make those contributions to the UK from anywhere in the world, from income earned locally

  27. Peter Warren says:

    Hi David:
    D-of-B: 01/10/1941. Worked on Fleet Street as a reporter for two years
    between ages of 16 and 18 and paid NI premiums. Please advise if I can
    claim. I immigrated and have been in Canada since the age of 20,
    citizen since the age of 25. Thank you so much.

    • David Morris says:

      Hi Peter, sorry, but you needed 11 years of work contributions to be eligible, and it is too late to buy back any years

    • I lived in UK from 2005 till 2011.my date of birth is 26/03/1969 I contributed to UK Ni for more then 6 years. Will I get any state pension when I am retired. I. am not UK national. I moved to Pakistan in 2011. How can I pay additional contributionb to top up my pension ? Please send me pack or information. Email : imtisal.pasha@gmail.com
      Many thanks

      • David Morris says:

        Hello Pasha, you do not need to be a UK citizen to qualify for a state pension. Based on your age, you will need 10 years of contributions, and you can make voluntary top up payments from where you are. If you join us, we will send you a complete package of information on how to go about this.

        • Thanks Davis,
          Will I get any credits ? Hm revenue website says volunteer contribution is 13.75 UK pounds per week for year 2013/14. Can I pay 2.75 pounds a week for gaps? Will my pension be static and not increased with inflation rate because I am not UK/EEA national? It does not make sense as Ni contribution change with inflation then why not weekly pension increases with inflation for non UK residents. Is there any way I can be allowed to pay less then 13.75 pounds a week? Does a state pensioner who is not UK/EEA and mutual pension agreement country ( such as Pakistan) national gets any other benefits other then monthly state pension when he/she is not UK resident?
          Many thanks,
          Pasha

          • David Morris says:

            Hello Pasha, a lot of questions. The government does not encourage the cheaper Class 2 voluntary contribution. You have to write to them and ask for it. If you join us, we can tell what the rules are, and how best to apply. Your pension will not increase with inflation while you are in Pakistan. That is why we are fighting hard to get the Government to change that policy. In terms of other benefits, the only one you will be entitled to is the UK State pension.

  28. Tom Thomas says:

    Hi . I was told I may be able to receive a pension . I was born in Guildford England in 1962. (My father was a Canadian Naval officer Stationed in England at the time. )A few months after I was born my parents and I moved back to Canada and I have lived in Canada ever since. Any advice?

  29. Mairi Parris says:

    Hi,

    I was born in Dec 1951 – I worked for 6 years + before emigrating to Canada. Would I be eligible for a partial pension?

    Thanks.

    • David Morris says:

      Hello Mairi, yes, you are entitled to a partial UK pension. You also still have the opportunity to increase it by buying back a few years. Your pension date was in 2013, so don’t delay in applying, as you will eventually lose the ability to buy back

  30. Hi David,

    I have worked in the UK as a registered nurse for 7 years. I am not sure if NI contributions was mandatory for nurses.I am wondering if I am eligible for a UK pension when I retire. I now currently reside in Canada . Thank you for your response in advance.

    • David Morris says:

      Hello Rossanna, I need to know your date of birth to tell you what your eligibility is. As a nurse, you would have paid NI, so those 7 years should count.

  31. Just to double check, are 5 years the minimum contribution to be entitled to a partial basic pension?
    I was born in 1984.
    Thank you!

  32. Hi. My grand father lived and worked in England for 6 years. Now he lives in Canada for the past 20 years. Is he eligible for the english pension and if he is how can apply?

  33. Hi,I have worked in UK for a couple of years and now live abroad. Am I entitled ? Im 61 years of age and never received anything to date.

    • David Morris says:

      Hello Rose, you will need 10 years of contributions to qualify, and your pension age is 66. The good news is that you still have time to make voluntary contributions to get you to 10 years

  34. Hi I am Krystyna I worked in UK for 4 years and I paid NI contributions.I was born in January 1962 .Can you let me know if I qualify for some Pension.Thanks

    • David Morris says:

      Hello Krystyna, you only needed 1 year to qualify, so yes, you are entitled to a partial UK pension. You are also still able to buy back a few years to increase it.

  35. I am 66yrs and getting a small UK pension. Am I eligible for contribution? What would I get in return?
    Thank you

    • David Morris says:

      Hello Len, yes you are still eligible to make a few voluntary contributions. What you get is 1/30 of the full pension for every year you buy back.
      If you join us, we can give you more information on how to do that.

  36. Phil Daly says:

    Silly question maybe. I was born in England in 1950 and the family immigrated to Canada in 1955. I plan on returning to England for retirement. Would I be entitled to any Social Benefits . Thanks, Phil

    • David Morris says:

      hello Phil, you only qualify for a State pension if you have employment history there. You may be eligible for other old age benefits, but I can’t really answer about those as the rules have changed considerably. We only focus on the State pension here

  37. Hi David
    Just wondering if it’s worth me joining your service?
    My wife and i are both British citizens living in South Africa. I worked in the UK from the age of 19 to 27 making full contributions every year – she worked from 2002-2007 also contributing to national insurance. Even though we are both still 30 years off retiring i want to keep making contributions to the UK state pension so we don’t lose out on our entitlement. How would we go about doing this and what do you recommend?
    Thanks for any assistance.
    Keith.

    • David Morris says:

      Hello Keith, I may be biased, but yes, it is worth joining us. You are smart to be planning for your future retirement already. As it stands, both you and your wife do not have enough contribution years yet to qualify, but the good news is that you can make voluntary contributions until you reach the maximum needed of 35 years. This is most definitely worth doing, from a financial perspective.
      If you join, we will send you a package of information on how to get started, and how best to make voluntary contributions. We also keep you abreast of the changing rules of pensions in the UK.

  38. Janette Sumner says:

    HI there I was born in the IOM in 1955 and emigrated to canada 1984… I did work a number of years and also was a mother for the last 4 of those years .I am now 60 and would like to know if I am eligible to receive and uk pension .I have my health card No HZGJ 244 (old one ) and I know my SIN number Insurance No Im not sure if it is an old style… My husband .died in May 12 2012 he had stayed in england after we seperated ,,, and as I was separated I dont know if I will get any pension from him or if he even payed into the NiI I can give you more info as needed thanks Jan

    • David Morris says:

      hello Janette, yes you should be eligible for a partial state pension from the Isle of Man. It operates separately from the UK system, but I believe the basic rules are similar. I do not know if you can make voluntary payments, but if the rules are similar to the UK, you would be able to.

  39. Ken Carter says:

    I am drawing a full British State Pension. My Canadian wife is drawing a pension from the UK also of 59.9% of what I get. Can you tell me if the revised pension deal will affect us i.e. will our pensions increase when the new rules amounts are enacted in 2016?

    Also I am trying to sort out death or survivor benefits for my wife should I pass on first. I am 66 years old, she is 64 in November.

    If/when I pass on, does she qualify for a widows pension/bereavement benefit and if so what is the amount?. I know the wording has changed but I am sure you know what I mean.

    My dad just passed away at age 85 and my mum got almost the same as dad was drawing when he was alive.

    I fully intend to live in Canada or somewhere else until I pass on.

    Appreciate your assistance in this matter. The reason I ask is that I read somewhere that to get a bereavement benefit you must be under 45 which does not make sense to me.

    • David Morris says:

      Hello Ken,
      The new pension legislation will not affect you or your spouse in any way. it only affects people retiring after 2016.
      When you die, your spouse’s pension will increase to be the level of yours.
      She will also be entitled to a one time Bereavement payment.
      If you join us, we can provide you with more details on all of this

  40. Ian K Brown says:

    Hello David ,

    I am hoping to get a bit of the good advice your giving .

    I have lived and worked all over the world and have never paid much attention to pension schemes . Im now aware that I can try and make some payments and try to get some support in my later years .
    I have worked in the UK for a few years in 1990′s , then in NZ as a High school teacher . Now have moved to Oman as a teacher and have some financial flexability to put money into the UK pension scheme . Im 44 years old born in 1970 and plan to come back and work in UK in a few years time . Thats still only leaves me 20ish years to do the best i can to get to 35 years of contributions .
    Do you have any advice on how I should go about getting my payments made , how much and who to , over the next few years here in tax free Oman , before I come home to put my shoulder to the wheel there .?

    Very grateful for any advice you can offer .

    Sincerely Ian

    • David Morris says:

      Hi Ian, first thing is that you can definitely make voluntary pension payments towards the UK pension from where you are, and it is a very good financial deal to do that. You can even buy back up to 6 years. Yu will reach pension age in 2037, so that gives you 23 years to make contributions, plus buy back 6 years, plus whatever credits you already have. You should be pretty close to 35.
      The best thing to do is join us. We will send you a package of information on how to make voluntary contributions – especially at the Class 2 rate, which is substantially cheaper.

  41. hi there, great site very good reading. I lived in the uk for five years and have made contributions, I now live back in my native Ireland, I believe we can consolidate our uk and irish contributions but I wonder if that is wise? would it be better for me to pay voluntary contributions for a further 5 years to my uk pension?

    any advice would be greatly appreciated, thanks paul

    • David Morris says:

      Hello Paul, your pension situation is governed by the European rules on pension harmonization. Any work experience in the EU counts towards an EU pension. I can’t really help with this, as I am not knowledgeable enough on the European setup or rules. This website is primarily for people eligible for a UK pension, who do not live in the EU. Sorry I cant help more.

  42. Mardie Kennedy says:

    Hi..

    Am A widow of a bristish guy from Ireland and his 58 years old when he died here in philipiines..i never been to UK or ireland my self his the only one going back and forth there to visit a family. Before he died he said he been in Royal Airforce when he was young for 5 years and i dont know about any insurance that he pay as i dont have any information left for me to know about pension.. So my question if I am eligeble to any pension state or anything as his widow here in the Philipines as we married here..

    hoping for you advice and more information about this matter..

    thanks and regards
    mardie

    • David Morris says:

      Hello Mardie, I can’t really help you about anything from the Royal Airforce. Depending on your date of birth, and how long he worked in the UK, and his date of birth,you may be eligible for something. I would need to know this first, though

  43. pamela needham says:

    Hi, i haven’t worked for about 10 years due to ill health but i am paying voluntary national insurance contributions so as to get my state pension. I am 51 years old and i am thinking of moving to spain to live in our holiday home. my husband is self employed and will continue to work in the uk until he retires.
    I am frightened that i may not get my pension even though i will make sure i will pay the correct contributions.
    Can you offer any advise please.
    We will not have a permanent address in the uk and my husband will stay in his caravan and use his work for mail or get a p o box. Becoming a Spanish citizen wouldn’t have any implications would it?
    Thank you
    Pam Needham

    • David Morris says:

      Hello Pamela, living in Spain, or becoming a Spanish citizen has no bearing on your pension entitlement. As long as you have made your contributions, and the UK Government confirms that, your pension is in no danger.

  44. Margaret Leckie says:

    I retire at age 64 in 2017 under the new single tier system . I will have 30 yrs contribution . 9 worked , 11 bought back and 10 annual payments . That would have given me the full pension under the old rules .

    I will now get a pro-rated single tier pension .I know it will be close to the pension (including spousal amount) that I would have received under the old rules . I was wondering if I can buy another 5 yrs to get the maximum.

    • David Morris says:

      Hello Margaret, we don’t know for sure yet what arrangements might be available to buy additional years, and at what cost. Whatever pension you get under the new rules will be no less than what you would have got under the old rules. If you have already bought back all the years available, then you can only hope that they make some additional years available.

  45. Hi David,
    Male born UK July 1953. Emigrated to Australia & raised from1959 up until now.
    Retuned to UK to work in two periods: 1971 -7 3 & 1978 -1980, don’t have possession on NI card No.
    Intend to return to uk and work until retirement age 2018, which would realise approx 7 year NI contributions.
    Upon returning to UK is it possible to make voluntary payments (3 years) to boost to ten years to qualify for partial pension.
    Thank you.
    Lawrie

    • David Morris says:

      Hello Lawrie, yes, you can make voluntary payments, but be aware that you cant make a voluntary payment in the year you reach pension age.You can actually make them now, before you return to the UK, plus you can also buy back some years. You would be better doing that than waiting until 2018

      • Hi David,
        Thanks very much for your reply.
        Please ignore my reply sent just now re “awaiting moderation”.
        I just need a bit of clarity in regard to your comments.

        1. If I elect Not to return and work in the UK this year, will I still be eligible for a partial pension, given my paid work NICs would be related to the 2 periods listed above 1971 – 73 & 1978 – 1980. By not working 2014 – 18 that would rule out 4 years of NICs? Basically is it vital that I do return and work 2014 – 18 to be eligible for a partial pension.
        If I remain eligible for which ever stance Return or Not I would like some pointers on the following:
        2. How would I make a voluntary payment in my pension year i.e 2018,
        3. How do I make them now?
        4. How do I buy back years now i.e before 2018?

        thank you
        Lawrie

        • David Morris says:

          Hello Lawrie, the easiest way to help you is for you to join us. We will send you a complete package of information that should answer all your questions. You don’t need to return and work in the UK to qualify. You can make voluntary payments from where you are. We explain how to do that. You can join up right on the website

    • Hi David,
      My request received an awaiting moderation reply dated 4 October, can I please get a reply to my original request for information.
      thank you
      Lawrie

  46. John Carroll says:

    Hello,
    I’ve just sent off my BR19 form re UK pension statement and await a reply re tracing NIN etc. I’m also anxious to be able to top-up my contributions over the next twelve months or so, once in receipt of my statement. Thanks to this great site, Ive been able to garner very useful information, and so for this reason decided this morning to ‘join’ and give a small donation as well. Thank you.

    In the coming months, I’m sure I’ll be asking for more information re my personal situation. However, if I may ask a question on a friends behalf.

    Born in the UK, now living in Canada, he contributed for 27 years into the UK pension.. He is married to a Canadian lady (never been to the UK), and is of the opinion that she will receive 65% of [u]his[/u] pension? Now, I can’t find anything about this anywhere on the UK government website and fear he’s been mislead?

    Thanks for any and all help,

    John.

    • David Morris says:

      Hello John, thanks for joining us.
      The situation with the spouse of your friend is based solely on her age. If she reaches pension age after April 1, 2016 she will not be entitled to a spousal pension. If she reaches pension age prior to that, then she will be entitled.

      • John Carroll says:

        Thanks for reply Dave, now comes the tricky part, finding out her age. But further to that, my (Canadian born) wife, is sixty five next month. She also worked in the UK for about 15 months back in the day. Am I to assume that she also qualifies for some UK pension funds?

        Sorry if I’m overloading here.

        John

        • David Morris says:

          Hello John, no problem.
          Your spouse is indeed entitled to a spousal UK pension, (Class B) based on your contribution record. It will be roughly equivalent to 60% of your own pension.

  47. I left school at 16, and, due to a serious of degenerative health problems, have been classed disabled ever since and been on life-long disability. Would I still qualify for state pension?

    • David Morris says:

      Hello Beth, your eligibility for a UK state pension is based on contributions through employment. I’m afraid that you don’t qualify. Sorry.

    • David Morris says:

      Hello Beth, sorry, but eligibility for the UK state pension is based on contributions made through employment.

  48. I live in South Africa and already receive a British pension. I have heard that my wife who is South African and who has never worked in UK might, under certain circumstances, be eligible for a Category B pension? Is this correct and if so under what circumstances and how may I apply.

    • David Morris says:

      Hello JR, if your wife reaches retirement age before April 1 2016, then she is likely eligible for a spousal pension (Category B). If you join us, we can help you with how to apply.

      • John Kaye says:

        Hi David, thank you for the response – my wife retires from work at the end of this year but will only be 60 during August 2016 so it appears that she will no longer be eligible – is that due a imminent change in the pension law?
        Regards, John

        • David Morris says:

          Hello John, yes, the law is changing in 2016. After that date, no new spousal pensions will be permitted

  49. Hi, I have worked continuously in the uk for 4 years contributing to the national insurance. I now live in Australia. Can I contribute another 6 yrs insurance whilst I live in Australia in order to obtain at 63 years of age 1/3 of the full pension.?
    How much per annum would I have to contribute ? Is it worth it ?

  50. Hello

    very informative site – thank you
    Born in UK 1964 just turned 50
    I worked full time from Jan 81 to May 83 in local govt in the UK.. Then full time from June 83 to Aug 92 in the Royal Air Force. So seems to me I have ten years albeit aggregated. Any advise of eligibility and how to claim

    Mark

    • David Morris says:

      Hello Mark, you should be eligible for a partial pension already, but the good news is that you can continue to make voluntary contributions to increase that pension, and can even buy back a few years. The easiest next step is for you to join us. We will send you a complete package of information on how to make voluntary payments, apply for a pension forecast, and possibly be eligible to make Class 2 voluntary contributions, which are substantially cheaper

  51. peter gorman says:

    dob December 1934. Worked, after National Service, from 1957 to 1996. Does the state pension stop when I immigrate to Canada?

    • peter gorman says:

      what do you mean by ‘awaiting moderation’?

      • David Morris says:

        Hello Peter. “awaiting moderation” simply means that your comment, or question, has to be approved for publication. It is a way of preventing spam and junk posts from clogging up the website.

    • David Morris says:

      Hello Peter, no the state pension does not stop when you immigrate to Canada. However, it is frozen at the amount you first receive. No cost of living increases. This is why our organization exists, to lobby the British Government to change that policy

  52. JACQUELINE BARBARA KNEUBUHLER says:

    I was born in 1951 in Brighton, UK . I worked in the UK from 1968 until 1975 when I moved to Switzerland.and have been there ever since. I retire in July 2015 when I will be 64 years old.
    Am I entitled to a partial pension from the UK ? Thanks for your advice.

    • David Morris says:

      Hello Jacqueline, you actually reached pension age in 2012, and yes, you are entitled to a partial UK pension. You can also still buy back a couple of years to increase it, plus you have the option of either a lump sum back dated to 2012, or an increased weekly amount going forward.
      If you join us, we can help you get started by sending you a complete information package

  53. Hi Mr Morris

    I am born in 1958, a Danish citizen, worked 2-3 years in Denmark and moved to the UK to study. while I was still PhD student, I started work full time in London in July 2003 and still at job. I am planning to leave work and the UK next year, may be to make some freelance jobs in another country.
    My question is, do I qualify for the UK state pension when I reach age 66 years?
    Another thing, that the first 2-3 years of my employment in the UK, I was paying taxes and NI on my student NI number. Is it going to affect my contribution? What I should do to make it better.
    One thing more, In case I am qualified for the UK State Pension, how much I could get annually/monthly? And can I get my pension where ever I reside? And what I can do to increase my pension?
    Thanks a lot for your help.
    Kind Regards
    Yasmin

    • David Morris says:

      Hello Yasmin, you already have more than the minimum work needed, so yes, you will qualify for a UK pension. The thing to keep in mind is that if you move to another EU country, then all your work experience in the UK gets credited automatically towards a pension, whichever EU country you retire to. That is because the EU pensions are harmonized. In that scenario you don’t need to increase your UK pension, because you will be contributing to the pension system in whichever EU country you live in, and it all gets added up together, so that you only get 1 pension. If you move to a non Eu country, then it would be smart to make voluntary contributions to the UK pension scheme, so that you could qualify for that AND a local pension.
      In terms of your student NI number, to the best of my knowledge, you only have one NI number.
      In terms of amount, I can only tell you what a full UK pension is now. The amount will be different when you reach retirement age. for 2014/2015 a full UK pension is £113 a week

      • Thank you very much Mr Morris.
        It is very helpful.

        Kind Regards
        Yasmin

        • Britta Schulz says:

          Hi Yasmin,

          even if you move to a EU country, it would be smart to make voluntary contributions to the UK system, because you will get the voluntary pension on top of a pro rata-pension from the EU-regulations.

          Kind regards

          Britta Schulz

  54. Jeremy Ranson says:

    Hello. I am A British citizen born in 1954. I have lived in the US since 1982 as a permanent resident. I worked from 1972 to 1981 in the UK, with the exception of a year and a half when I was in Australia ( I worked a year there). I understand I need 10 years to qualify for a pension and can make 6 voluntary contributions before retirement age, hopefully at Class 2 rates. My question is, if I am eligible for the Class 2 rate, can I also buy back years at that rate? Or are buy back years at the higher Class 3 rate?. This stuff is all new to me. Until recently I didn’t know it was possible. One last question, can you still help me if I live in the US or do you just represent people in Canada? If you can assist me I will join your group since I do not know my NI number and have no idea if I can qualify for Class 2 payments. Thanks.

    • David Morris says:

      Hello Jeremy, we certainly assist any UK pensioner, regardless of where they live. If you are eligible to make voluntary contributions at the Class 2 rate, then you should also be eligible to buy back years at that rate.
      Once you join, we send you an info package on how to find out your NI number, how to get a pension statement, make voluntary contributions etc. Class 2 can be difficult to qualify for, but we explain what is needed.

  55. Paul Phillips says:

    I am a British Citizen but have lived in Canada for the last 34 years . I was born in 1953 and my wife in 1959. I commenced work in the Uk July 1970 and worked for 10 years. My wife worked for 5 years untill August 1980 when we emmigrated to Canada. Since It would be Oct 2018 before i turned 65 in 2018 it would be right to assume i could make Voluntary payments for the next 4 years, Where as my wife who was born in January 1959 can make voluntary payments
    for the next 11 years untill Jan 2025 when she will be 66 . I am currently Self employed (Semi retired) whilst my wife is fully employed as Office Manager at a Wellness centre. Question is would we both be eligable to “buy back” previouse
    years . How will the new rules effect us in 2017.

    As soon as i have finished this I will be applying to join you.

    • David Morris says:

      Hello Paul, yes, you both can make voluntary contributions until you reach retirement age, and you can also both buy back some years. It usually is a minimum of 6 years you can buy back each, but you may also have the option to buy back certain additional specific years that they will advise you of.
      The new rules come into being in 2016, and you both come under them. The main changes are that you will need a minimum of 10 years to be eligible for a partial pension, and that spousal pensions are no longer allowed. The basic state pension itself is increasing as well. If you both make voluntary contributions, and buy back the years you are allowed, you will easily qualify for a partial pension
      Thank you for joining us

  56. J.Flowerday says:

    Hello there,
    I worked in the UK for 5 years up to June 1984 where I left the UK to go to South Africa. If I should return to the UK when I reach 65 would I receive a British pension? I was born in October 1961.Can I pay in a contribution at all to boost any pension payment/
    Thanks
    J.Flowerday

    • David Morris says:

      Hello J Flowerday, providing you have the minimum of 10 years contributions, you would be eligible for a partial UK pension no matter where you live. The good news is that you are able to make voluntary contributions and some catch up payments while you are abroad that should more than get you the 10 years you need. If you join us, we send you a package of information on how to go about doing this. It is an excellent financial deal to make these voluntary payments

  57. jenny bryson says:

    Hello… my husband was born in England in 1955.. he worked there for 25yrs … he came to Australia 9yrs ago and we married 5yrs ago.. he passed away at the beginning of this year.. am i entitled to any of his pension I am 55 .. i am an Australian and have never worked in England…some one told me it could be just a lump sum i get and not the actual pension.. can you please inform me

    • David Morris says:

      Hello Jenny, your situation is very complicated. One thing for sure is that you will not be entitled to any basic state pension, as unfortunately you come under the new rules after 2016, where no new spousal pensions are allowed. Depending on whether your husband had any additional state pension, you may be entitled to that, and you may also be entitled to a bereavement sum.
      You need to contact the Dept of Pensions in the UK about this, as it is complex because of the new pension legislation coming into force.

  58. Anne Patterson says:

    I was born on April 2, 1941 and moved to the US in 1964. I worked for 8 years while in England. Do I qualify for a pension plan.

  59. vivienne katz says:

    I was born in England in 1948. I worked for ten years in England. I emigrated to the USA in 1977. I am about to apply for my social security benefit in the US on my 66th birthday. Am I entitled to any pension from the U.K.
    When I left England I informed the UK government and they sent me a rebate for any UK taxes paid by me.
    Please advise. Thanking you in advance.

    • David Morris says:

      Hello Vivienne, you are of the age group that needed 10 years of work contributions, so it is very likely that you are indeed eligible for a partial UK pension. We can help you to get started if you join us. We will send you an information package on how to claim your pension.

  60. Hello,

    My DOB is 17/09/1984 and I’m Irish.

    I worked as a teacher in the uk for 3 years from 2009-2012. So I’ve made three years of state and teacher contributions.

    If I understand correctly I need at least 10 years of state contributions to claim? So could I make up 7 years in voluntary contribution? I’m living abroad and really don’t want to return to the uk just to make pension contributions. Is there a limit to how long I left the uk before I can make voluntary contributions?

    Also if ten years entitles me to a third of a Uk pension does the same apply to an Irish one which is slightly more money. Can I then just take a third of a state pension in any EU country?

    Also can I just claim my teacher pension whenever (what little of it there is)?

    • David Morris says:

      Hello Lynda, you come under the EU rules for pensions, which is not my expertise. However, my understanding is that they are harmonized throughout the EU. In other words, any work experience in the UK is counted, along with work experience anywhere else within the EU. That means your UK record will be counted towards your Irish pension. If you are working in Ireland, there should be no need to make back payments in the UK, as you are being credited now with pension credits. You wont get credited twice, so there should be no need to make extra UK payments.

      In terms of your teachers pension, I can’t help you. Every company pension has different rules. You need to contact the teachers union in the UK

  61. I worked in England for 20 years for an employer and now live in the US and have been self employed since 1994. I want to catch up on my national insurance contributions. Can I pay the class 2? also my husband has 28 years contirubtions in england. He was self employed when we left and he has been self employed in the US since 1994. Are we both eligible to pay class 2 contributions to catch up?

    • David Morris says:

      Hello Anne, you both may be able to make Class 2 payments. It isn’t always easy, as the pension dept. don’t typically advise you about this. You have to ask, and sometimes insist.
      If you join us, we provide our members with an information package on how to make voluntary contributions, and catch up payments, and how to qualify for class 2.

  62. Hi David
    We were born in the UK and he worked as a teacher for around 5-6 years (and a nursing assistant prior to that). We moved to Australia in 1989. My husband passed away almost five years ago in 2009 (he was born in Oct 1050). Do you know if i qualify for any pension? I do not have his NI number or teacher registration number.

    • David Morris says:

      Hello Nicky, yes, your husband was entitled to a partial state pension, and you would be entitled to a spousal pension based on his contributions when you reach state pension age, providing you have not remarried or formed a new civil union by then.
      If you join us, we will send you an information package on how to apply, including how to find out his NI number.

  63. I lived in uk for 4 years and worked four years so is my husband and my husband lived for 5 years worked and we moved back to canada we have lived in canada almost 40 years now my husband is deceased and I lost him a year ago I am a widower I received a letter for my husband from uk statepension office to apply for the statepension since I am collecting cpp and in 2 months I will be 65 years old still working will be getting my old age pension do I qualify to received the ukstatepension I would like to know and about how much per month .

    I would like to hear from you about this information.

    Thank you

    • David Morris says:

      Hello Minta, if your husband only worked in the UK for 5 years, then he would not be eligible for any UK pension, and unfortunately neither would you. Sorry

  64. Sandra Hava says:

    Hi David,
    I am an Australian citizen who lived and worked in the UK for 5 years – 1071 – 1076 My birthday is 07/02/1948.
    Am I eligible for a British part-pension?

    Kind regards,
    Sandra

    • David Morris says:

      Hello Sandra, unfortunately you needed 10 years of work contributions to be eligible, and it is now too late to make back payments. Sorry

    • Stephanie Oda says:

      I was born in 1943 in Ireland. I earned 186 credits there and they told me I needed 260. However, I also worked full time 20 months in the UK. I don’t know how many credits that would amount to. Can you give me an estimate. If I combine my UK credits with my Irish ones I might quality for a partial pension through UE rule.
      Thank you

      • David Morris says:

        Hello Stephanie, I’m afraid I don’t know very much about the EU pension rules, or how credits are gained. You would need to take that up with the pension authorities in Ireland.

  65. Fran Pollard says:

    Hi, I was born 6 May 1947 in the UK. I worked full time from approx. July 1963 to Jan 1967 before moving to Australia. From the information I’ve read it seems that I need 10 years working in UK to qualify for a pension. I wonder if I may be able to make a top-up payment – are there any restrictions in terms of how many years or a total monetary limit? I’m guessing that even if I can make a top-up payment it probably won’t be worth it for the amount I’d have to pay and the part-pension amount I’d receive back?
    Thanks.

    • David Morris says:

      Hello Fran, yes, you needed 10 years of NI contributions. You may be able to claim a further 3 years for the period you were raising children, but that still won’t get you to 10 years. Unfortunately, it is now too late to buy back any years. Sorry

  66. I was born in the uk in November, 1951. I started work in the spring of 1966 and emigrated to Canada in 1974 having worked all those years. Am I entitled to a UK pension? If so would it be worth topping it up to get the maximum? I don’t have my national insurance number.

    • David Morris says:

      Hello Jennifer, yes, you do qualify for a UK pension. You have already reached pension age, so you have only a limited opportunity to top it up. Any pension you claim will be backdated to your pension age in 2013.
      If you join us, we can help you with claiming your pension, including how to obtain your NI number

  67. David Morris says:

    Hello Susan, we are not the Government. We don’t send pension cheques to anybody. You need to contact the Dept of Pensions in the UK

  68. Rosemary Maartens says:

    My name is Rosemary Maartens and I was born in Kent 13.031946.
    My parents emigrated to South Africa when I was one year old.
    I am in possession of a British passport.
    Do I qualify for a British pension.

  69. Loraine Pieterse says:

    I am a South African and have lived and worked in the UK from 2001 to 2011. I have British Citizenship but have moved to South Africa. Am I allowed to claim this UK pension when I retire?

    • David Morris says:

      Hello Loraine, yes, you should be eligible for a UK pension. If I knew your date of birth I could give you more specific information, but it looks like you qualify.

  70. Hi David , my parents are British citizens and worked in UK for few yrs before moving to
    Australia,here they have lived for about 35 yrs,if they move back to London would they qualify for benefits or pension?
    They are just under 65 and would pretty much have to start all over again in UK,any help is greatly appreciated. Cheers

    • David Morris says:

      Hello Deb, I am not really up to date with programs and services available in the UK for retirees. The basic state pension is based on National Insurance contributions made through work, or by voluntary payments. If they only have a few years work experience, it wouldn’t be a very big pension. There may be other benefits available to pensioners resident there, though. You should contact one of the government service centres in the UK

  71. Hello David, I was born in Scotland 28/02/1950, and I had to retire at 56 thro illness and have paid my dues for 37 years, my question is I have been told that my weekly pension in February when I’m 65 will be £113 per week, but I have spoken to a few friends round about the same age and they all get between £142 – £170 per week, can you advise me what I should do and if I’m due any top ups, thank you.

    • David Morris says:

      Hello Jan, if you live in the UK, your best bet is to contact one of the Government service centres. Our focus here is on British pensioners living abroad, whose pensions are frozen. If you live in the UK, there may be other benefits that you can claim that I am not up to date on.

  72. Tim Taylor says:

    I was born in the UK 25/03/51 and have over 30 years contributions. I have been married to a US citizen for 12 years and have lived over here since 2001. My wife’s DOB is 29/08/49, is she eligible for a cat B pension, thanks.

  73. Alan Luscott says:

    I was granted a permanent certificate in 2000.
    I have lived in Canada since 1997. In 2013 I obtained Canadian citizenship. My date of birth is 31/10/1949. I worked in the UK up until the time I emigrated toCaada .Advise me as to my rights to claim a UK pension. Am I able to have it deposited in a bank in the UK?

    • David Morris says:

      Hello Alan, yes, you are entitled to a UK pension. You can also buy back some years to increase it. You can have it deposited in a UK Bank.

  74. Denise Mouter says:

    My husband is still paying his UK pension contributions every year and retires January 2016. He will have either 29 or 30 years paid by then.
    Question: If it is 29 years , can he pay one more before he reaches retirement age and starts to collect?

    I was born in March 1952 and altho qualify for a small pension in my own right, would I be able to claim a spousal pension ? ( I believe it is 60% of my husbands)

    • David Morris says:

      Hello Denise, yes he will be able to do that. You are also entitled to a spousal pension equal to 60% of his.

  75. Hello,
    I live in Greece and work on and off in the Uk as a locum doctor. I do not think I will ever complete 10 years in UK employment, and it is not in my plans to move to the Uk permanently.
    I was wondering what can be done with these contributions paid so far. Could I claim them back in the future, if I do not get a pension from the UK at retirement age? Or am I still entitled to a symbolic pension because of them, when I reach retirement age?
    The agency I worked for, suggested that as I am self-employed in my country, I could invoice them from there, and then Social Insurance would be added up in my salary. I would accept that, only if these contributions are not of any other use to me.
    Thank you very much for our answer.

    • David Morris says:

      Hello Dennis, as you live in the EU, pensions are harmonized. That means that any contributions you make towards a UK pension will also count towards a Greek state pension, and vice versa. You can not get a refund on your UK contributions, but you can make voluntary payments to ensure that you get your 10 years credit towards a UK pension.
      The EU pension arrangements are complex, and not really our area of expertise.

  76. Deborah Duncan says:

    Hi David,
    I am English, born May 1954 and began working July 1969. I worked until September 1979 when I left to emigrate with my Australian husband to Australia where I have lived and worked since. would I need to ‘top up’ my contribution as I believe I am eligible to claim a part pension – 1/3. Secondly, I wonder if my husband would be eligible too? he worked only for 6 months in the UK in 1979. My final question is when should I begin my application as I don’t turn 63 until 11 May 2017?

    • David Morris says:

      Hello Deborah, your actual pension age is 65. You reach your pension date in November, 2019. You will need 10 years, and it looks like you have that. You can still make voluntary top up payments to increase that pension, and it is usually recommended to do that. You don’t have to actually apply for your pension until a few months before your date, but you can make voluntary payments, and buy back years at any time.
      Your husband would only be eligible for a spousal pension if he reached retirement age before April 2016. He would not be eligible for a pension otherwise

  77. richard jones says:

    hi great site my DOB is 11/11/1958 I emigrated to Canada in March 1987 how does my pension stand can I top it up and can I claim full pension if I visit the UK when I retire thanks

    • David Morris says:

      Hello Richard, You will need 10 years of NI contributions. You didn’t tell me how many years you worked in the UK. Sounds like you have 10 at least. The good news is that you can top it up, and also buy back some years, so you should be in good shape. Yes, you receive the current indexed value of your pension whenever you visit the UK or Europe

  78. Kay Jeffeires says:

    my dob is 08/08/1952 i worked in England for about 20 years then I immigrated to Canada in april 1980. I am looking for my nhs not quite sure how to go about that? then I’m hoping to apply for a pension. I f you can help in anyway that would be appreciate that. please and thank you

    • David Morris says:

      Hello Kay, you are certainly eligible for a UK pension, and still have time to increase it by buying back some years. You reach pension age in January 2015.
      The best thing you can do is join us. We will give you a complete package of information on how to find your NI number, make voluntary payments, and apply for a pension forecast.
      We are a not for profit, volunteer based group aimed at supporting British pensioners in Canada, and lobbying the British Government to index our pension to inflation.

  79. Tony Hillier says:

    I was born in uk 28.12.50 and have a local authority 16 yrs teacher’s pension. At my death, if I have a wife I am told by my pension people she will be eligible for a small pension.

    What if she lives in Tanzania, will she still be paid it?

    Now a very, very basic question I am embarrassed not to know the answer!! … Additionally, I qualify for my state pension in Jan 2016, upon my death again, (long way away of course!!) will any of that pension be due to her and if so if she then lives abroad. (I don’t know how state pension works)

    Thanks for any info .

    • David Morris says:

      Hello Tony, I cant really answer about your occupational pensions, but I don’t see why country of residence will affect it. In terms of the state pension, it depends on your wife’s date of birth as to whether she will be eligible for a spousal pension. The rules are changing. If she reaches pension age after April 1, 2016, she will not be eligible for any spousal pension. If she reaches pension age before that date, she will. Unfortunately, it is as black and white as that.

  80. Ian Abraham says:

    I had a work permit from Aug 1966 to Aug1968 whilst I was studying in the U.K. then I joined the RAF from Sep 1968 to Apr 1975. Am I available for a Government pension even though I receive a small Services Pension? I have been living in Venezuela since 1975.

    • David Morris says:

      Hello Ian, service in the forces does count towards a government pension. I need to know your date of birth to tell you what you need to qualify

    • David Morris says:

      hello Ian, based on your DOB, you need 11 years of work contributions to qualify for a partial pension. It doesn’t look like you quite have that, but you may still be able to buy back two or three years, which may get you there. You are certainly close. You need to get a pension statement as soon as possible, to find out if you made it.

  81. Lisa Helder says:

    This is one of the best sites on pension info I have come across! Such a good job! Well done!

    I have one question and will be so thankful if you could help me. My father is not a UK citizen but has worked in the UK for 10 years and has decided to go back to his home country (EU). He is 48 years old and I was wondering whether he qualifies for UK state pension? Thank you so much in advance.

    • David Morris says:

      Hello Lisa, yes, he will qualify for a UK pension. If he now lives in the EU, that UK work record is also counted towards any pension accruing in his home country

  82. Holly Nordhues says:

    This is such an informative.site…Thank you. My mother born in England 1920 worked 10 years in England. She moved to Canada in 1947 and then to USA in 1949. Will she qualify for a partial pension? My next question, if she did not work a full 10 years, can she get credit for the years she worked in the USA based on agreement between UK and USA to qualify for partial pension? She was also married and divorced when she lived in England to an England citizen, but she remarried a Canadian in 1947. Not sure if that matters since she was younger than 60 when she remarried. Thank you for your help!

    • David Morris says:

      hello Holly. Complicated question. Your mother is likely eligible for a partial UK pension based on her work record there. If she does not qualify, it is possible to use US work credits to enable her to qualify. It is also possible to use UK work credits to qualify for a US Social security payment. I can’t tell you which is more financially advantageous. The first step would be to apply for the UK pension

  83. Deirdre Hanssen says:

    My father was born in Belgium in 1921 to a Belgian father and English mother. He was raised in London and worked there as a child model. At 16 he had a regular job, then the Belgian Army claimed him from 1941-1945. After the war, he returned to London and worked until he and my mother emigrated to the United States in 1949. They returned to England in the 1980s and he worked in England again. Then he retired, but apparently never thought about filing for an English pension. My parents returned to the U.S. in 2010 and my father died 4 months ago. Is there some way my mother would be entitled to a pension from the U.K., although she never worked in England (or America)? Thank you for any information you can give me.

    • David Morris says:

      Hello Deirdre,
      If your father worked for more than 11 years in total in the UK, then he would be entitled to a British pension. His spouse (your mother) would have been entitled to a spousal pension based on his contributions. So yes, your mother should be entitled to a pension, and it should be backdated to when she reached retirement age.

  84. Joe Raththi says:

    Hi, I am not a UK citizen, but worked in UK for over 10 years. I am getting the UK & Canadian pension in Canada now. Is my wife entitled to UK Widow’s Pension & Bereavement allowance? We are Canadian citizens.

    • David Morris says:

      Hello Joe, providing your wife reached retirement age before April 2016, then she is entitled to spousal pension. It does not come automatically. It has to be applied for.

  85. Hi i like to my mom lived in london england for many years and moved to canada in 1966 is she entitled for london and england old pension.

    • David Morris says:

      Hello Cynthia, I can’t answer your question without knowing your mothers date of birth, and how many years she worked in the UK

  86. MOIRA JONES says:

    Good afternoon – please advise me on my eligibility for a UK pension.
    I was born in 1938 in Manchester, UK. After WW11 my father, who had picked up various diseases and lost half a lung in North Africa, was advised to return to South Africa where he had been hospitalised before returning home to the UK. We then came to South Africa in 1948 where I was educated and employed.
    In 2001 I returned to the UK to take up employment as a Carer through agencies but Taxed as Self-Employed.
    Until 2011 I worked in the UK for three months at a time and once or twice a year until 2014.
    I was taxed and paid, by HMRC – I have a Tax Reference number – also a National Insurance Number but not contributed (I assume due to the fact I only started employment in the UK at age 61 years).
    I look forward to your response. Many thanks.

    • David Morris says:

      Hello Moira, unfortunately you do not qualify. You are of the group that needs 11 years of NI contributions to qualify for a partial pension. It is now also too late to buy back any years.

  87. My wife and I live in Canada and it appears I may be eligible for a Class B pension when I turn 65 in February 2016. Can you advise if this is correct?

    My wife was born in Sept 1949, worked in the UK for 30 years (plus 5 top up years) and has been getting her UK pension in Canada since she turned 60 in September 1949.

    I’ve never worked in Britain, was born in February 1951.

    Thank you.

    • David Morris says:

      Hi Don, unfortunately you just missed out on qualifying for a Class B pension. For a man to get a spousal pension (Class B), his wife had to have been born on or after April 6 1950. That is when the rules changed to allow men to qualify for a spousal pension. Women have always been eligible, but men only became eligible if their spouse was born after that date.

  88. John Carroll says:

    Hello David,

    Great site, and most helpful. Reading through the posts, I believe, I may be entitled to a partial pension from the UK. Born September, 1950 and worked there for some 7 1/2 years. Problem is, I’ve lost my National Insurance Number. I would be able to supply the two main employers I had there. Would this be a problem?

    Thanks for any and all help,

    John

    • David Morris says:

      hello John, yes, you are entitled to a partial pension, and also still have time to increase it by making voluntary payments.
      No problem with the National Insurance number. If you can provide your last address, and employer, the Govt will have it on file.

  89. Eileen Robertson says:

    I was born in Edinburgh 1943 – moved to Canada in 1969. I did eventually become a Canadian Citizen. I worked for 11 years in Edinburgh and do receive a small pension. I am now retired and have been seriously thinking of moving back home. What benefits would I receive upon relocating back home? I look forward to your comments.
    Thank you,
    Eileen Robertson

    • David Morris says:

      Hello Eileen, I can’t be of much help to you, I’m afraid. I have been away too long, and am not familiar with the various benefits available in the UK. You can certainly contact one of the Government service centres in the UK to find out what is available.

  90. Anne Ramsay says:

    Hi,
    I was born in Scotland in 1954 and worked from 1969/70 (not sure of exact date) until move to Australia in 1979.
    Am I eligible for any part pension?
    thank you

    • David Morris says:

      Hello Anne, you come under the new rules, and will need 10 years of employment. You are probably very close to that now, but the good news is that you still have time to make any catch up payments you may need, and to make some additional voluntary payments to increase the pension. So yes, you can certainly be eligible for a partial pension

  91. Nashrudeen Hack says:

    Hello David: Many thanks, any information on the costs involved to get the pension payed directly into a Canadian bank account or how to reduce the cost for such transaction or if there is a preferred Canadian bank with low fees for pension transactions

    Thanks again,
    Nash

    • David Morris says:

      Hello Nashrudeen, there aren’t really any fees for the transfer. It is done electronically, and the Canadian amount simply gets deposited to your account. There is a currency conversion from Sterling, and there is a charge for that, but all bannks would be basically the same

  92. helen welsh says:

    Hi David
    Born July 1951 worked from age 15 to 19 got married stayed home looking after 3 children
    went back to work for about 3 yrs then emigrated to Australia in 1981
    Just turned 63 am I entitled to uk pension.
    Thanks

  93. helen welsh says:

    Hi David
    born july 1951 worked from age 15 to 19 then married stayed home
    with 3 children went back to work for about 3 yrs then moved to Australia
    1981 just turned 63 am I entitled to uk pension thanks

    • David Morris says:

      Hello Helen, yes you are entitled to a partial pension. You can also still buy back a few years to increase it. The good news is that it will be retroactive to 2012, which you can take as a lump sum, or an increased weekly payment. You can also get pension credit for the years you stayed at home with the children

      • Eileen Jackson says:

        HI David
        A similar question to Helen’s.
        Born March 1954, worked from 1970 to 1974, then 1976 to 1984 and again for a few months of 1987. Emigrated to South Africa, where I lived for 29 years.
        Do I qualify? I still have my NHS number.
        Thanks
        Eileen

        • David Morris says:

          Hello Eileen, you will need ten years of work (or voluntary contributions) to qualify for a partial pension at your retirement date of 2019. Looks like you have that already. You also can make voluntary contributions until you reach retirement age, and you can buy back at least 6 years, so yes – you qualify for a British pension.
          if you join us, we can help you get started

          • Eileen Jackson says:

            Thanks so much for the response. What sort of amount per month/annum are we looking at to buy back the 6 years, and what would the difference be if you gauged it on todays pension payable?

          • Eileen Jackson says:

            Thanks so much for the response. What sort of amount per month/annum are we looking at to buy back the 6 years, and what would the difference be if you gauged it on todays pension payable?
            Eileen

          • David Morris says:

            Hello Eileen, to buy back 1 year it will cost a one time payment of either £143, or £722, depending on whether you qualify for Class 2 or Class 3 voluntary payments. As a member, we can advise you on what is needed to qualify for Class 2, which is very financially advantageous. The type of voluntary payment you can make does not affect how much you get in pension payment.
            That 1 time payment to buy an additional year of pension eligibility, will get you an extra £196 every year at todays rates, in pension payments.

  94. Nashrudeen Hack says:

    I am not a member as yet but do plan to join. In the interim I wonder how does payment of the UK State pension take place. Do you require a UK based bank account or can you get the pension paid into a Canadian bank.

    Thank you,
    Nash

  95. Jeffrey Johnson says:

    Sorry, 2nd paragraph of my comment should have read:

    Hello. I was born in the UK on 08-04-1958 and worked there from July 1974 to March 1986 with a few short breaks. In April 1986 I moved to Spain, where I worked continuously from July 1989 to March 2005, when I became self-employed (autónomo). I therefore qualify for a Spanish pension.

  96. Jeffrey Johnson says:

    Hello. I was born in the UK on 08-04-1958 and worked there from July 1974 to March 1986 with a few short breaks. In April 1986, where I worked continuously from July 1989 to March 2005, when I became self-employed.

    I’ve just received a pension forecast from the UK: I have 12 qualifying years, which entitles me to a part pension. I also have the option to top up my UK pension with class 2 contributions. I am not sure yet how many years I can top up but in any case, it looks like this is something worth doing.

    - Should I start topping up immediately or wait until the beginning of the next UK tax year?
    - My wife is a Spanish national (we got married in 1987). Am i right in thinking she no longer has the right to a UK widow’s pension if I die before her?

    I am about to fill in and send off the form at the end of the NI38 brochure, any comments would be very welcome.

    Kind regards, Jeff, Spain

    • David Morris says:

      Hello Jeffrey, if you can top up with Class 2, that is a great deal and worth doing. You have several years grace period to make a voluntary contribution, so you don’t have to make it in the year that it applies. It doesn’t really matter either way. However, if you have the opportunity to buy back any years, you should check to make sure they don’t expire.
      You are correct in your assumption about your spouse not being eligible.

  97. Hello,

    Love your site, lots of great information.

    I am thinking of joining CABP. Do you still supply your members with the information package detailing what they need to do to apply and follow to completion the process of claiming their British pension?

    Thanks, Alex

    • David Morris says:

      Hi Alex, absolutely, we provide a complete package of information on everything to do with claiming your pension, making voluntary contributions, etc.
      We also keep that up date with the changing rules, and make sure are members are fully informed.
      And of course, we will be fighting on your behalf to get your pension indexed to inflation

  98. I was born in 1964 and lived in England with my ex-husband from May 1982 -May 1988 and had worked for 2-3 years in that time.
    My ex-husband (unfortunately now deceased) was born in 1956 and worked from the time he was 15 until 1988, sometimes self-employed.
    It seems that I would not be entitled to any kind of part pension even though I do have an NI number however I am wondering if our children (both grown) would be at all entitled to what I am guessing would have become his pension. He had also become somewhat disabled in the last couple of years. He didn’t remarry or live with anybody since we divorced. I wonder if you could advise me on either of these situations. Thank you.

    • David Morris says:

      Hello Andrea, his children would not be entitled to any pension. However, you do have the opportunity to make voluntary contributions which could earn you a pension in your own right. You don’t reach pension age until 2031, and if you made voluntary contributions between now and then, you would get a British pension

      • Thank you David, are you able to advise who I contact (from Canada) to get this underway? Another thing I was hoping you might know about or who I should contact to find out whether there would be any assistance available to remove Martyn’s ashes to England to be buried in his family plot. My children and I just don’t have the money to do this and we know this is where he would want to go.

      • Also, with respect to my ex-husband, I don’t know if I mentioned that he was born in England and was still a British citizen (Canadian Immigrant) if this makes any difference to beneficiaries of a pension.

        • David Morris says:

          hello Andrea, unfortunately no. Pensions are not transferable to children, and there is no residual value in the estate. Citizenship has no bearing on pension eligibility, just a work record in the UK

  99. Bob Traynor says:

    Dear Mr Morris,
    I am of pensionable age (DOB 15/10 / 1946) born in Dundee Scotland of Scottish parents and I currently have a British passport.
    I left Scotland in January 1983 and have lived in South Africa since that date.
    Am I eligable for a UK pension or part thereof as I was employed and paid the national insurance stamp from
    +/- 1966 to Novenber 1982
    Kind regards
    Bob Traynor

    • David Morris says:

      Hello Bob, you most certainly are entitled to a British pension. You only needed 1 year, and it looks like you have around 16. You may even be able to buy back a couple more years. You need 30 years for the maximum pension, and it is prorated based on the number of years you do have. If you have 16, then you would get 16/30ths of the full pension. Your reached pension age in 2011, so you can either receive a lump sum payment back to then, or instead, take a larger weekly pension amount.
      If you join us, we can help you get started

  100. Hello,

    I am female and was born in UK and worked full-time for four years from 1981-1985 then I moved to the US where I have had my domicile and worked ever since. I will be eligible for US social security payments at the age of 67. I have a UK national insurance number. Can you advise me on collecting a UK pension and if it would be worth my time making the so-called voluntary contributions. Also by collecting a UK pension how will that affect, if at all, my US social security and/or taxes?

    thank you.

    • David Morris says:

      hello VJ, I need your date of birth to be able to answer this. The rules vary, based on your age.

  101. Neil Robinson says:

    Dear David,
    I worked in the UK from age 16 in 1966, until 1991 giving me some 24 qualifying years. I then moved to Menorca in 2002 with occasional but regular visits to the UK. I then moved to Zambia with my family and lived there from about 2005 until we moved to Canada in 2008. I have not worked or paid any NI in any of these countries apart from the UK.
    I recently tried to advise the UK pension authorities of our address here in Canada , in return for which the UK gov. Authorities required me to furnish them with full details and exact dates of my living in Spain and full details of any visits to the UK, which is rather impossible as I have not kept any records, who would? We owned a house in the UK during most of this time.
    Which we sold when we moved to Canada in 2008.
    Added to this, the UK gov. Case worker dept. do not seem happy to update my address until I am three months away from Pension age. I have asked them how will they know where to send a pension application form to but they seem to avoid this question.
    I have tried to unravel the reason that they are so interested in dates spent in Spain but to no avail. My question is does this have any bearing on the state pension that I am entitled to ?
    Thanks so much for any valued advice. My pension is not due until March 2015, but every penny counts these days and I am trying to avoid the labyrinth that the authorities seem to want to build.
    Neil Robinson

    • David Morris says:

      Hello Neil, with regard to the questions on Spain, it could be that you are legible for a partial Spanish pension.
      Due to the complex agreement between Euro countries, if a person is entitled to pensions from more than one Euro country, the country paying the final pension has to take into account any eligibility from all other European countries, and include that in the pension amount.
      If so, this should be in your favour, as time spent is Spain will count towards your british pension.

      In terms of them not wanting your current address, I cant imagine why that would be the case. I would keep at them.

  102. Hello

    I wonder of you can help me please.

    I resided and worked in the UK between July 2001 and December 2009. I have an NI number and contributed to NI during all this time. I also became a British citizen during this time (originally, South African).

    I have been back in South Africa since January 2010 and have not been contributing to NI during this time.

    I just turned 41, dob July 1973.

    A few questions:
    - Can I back-pay NI from January 2010 to date to ‘catch up’ an avoid years lost that may contribute to a UK pension?
    - If the above is doable and I continue to make contributions up until age 65, will I qualify for a FULL UK pension?
    - Will I be able to draw my pension even if I do not reside in the UK?
    - Anything else that you can think of that I need to know?

    Thank you.

    • David Morris says:

      Hello Yoyo, in answer to your questions.
      1. Yes, you can back pay to Jan 2010
      2. You will need 35 years of contributions to qualify for a full pension. According to my math, you should be able to reach that if you make all your contributions
      3. Yes, you can have your pension paid anywhere in the world. Bear in mind that if you live in South Africa, or other commonwealth countries, you won’t ever receive a cost of living increase to that pension. That’s why we exist. To fight to get that injustice removed

      You should join us. We can help with information and support, and are fighting for your right to have your pension indexed to inflation

      • Thanks so much David. Much appreciate the info and prompt response.

        • David, just a last question. Will my spouse, a South African citizen, be eligible for a part-British pension? What will the percentage be and will it be for the extent of his life? Thank you again. Yoyo

          • David Morris says:

            Hi Yoyo, no your spouse will not be eligible for any pension. After 2016, no spousal pensions will be allowed for new pensioners

  103. Peter Chambers says:

    Hi David,

    Even though I live in the USA, I just joined CABP, and I’m trying to learn as much as possible. As a UK-born male (born Jan 1958) with some years of work in the UK, I will qualify for a UK pension under the new rules. A couple of questions:

    * My USA-born wife (born Feb 1956) won’t qualify for a pension under the new rules (she’s never worked in the UK), but, will she qualify for a widow’s pension if I die before her–or does my pension just vanish?

    * When I take my UK pension, do you know if my USA social security would be affected? I know that the USA system is very different to Canada’s, just wondering if you know about pensions in the USA.

    Thanks very much!

    • David Morris says:

      Hello Peter, unfortunately your pension just disappears when you die. Your spouse is not entitled to a widows pension any more.
      On the matter of the US social security system, I’m afraid I can’t help there. I don’t know much about their rules. Sorry

      Thanks for joining us

      • Peter Chambers says:

        Thanks for the answers David, much appreciated! One more question…in the most recent JUSTICE, there is this item:

        • Can I make voluntary contributions? Individuals who qualify for the single-tier pension will be able to make voluntary
        contributions as at present. However a reduced rate for these contributions and extended payment dates will apply as specified in the table shown on page 11 of the last issue of JUSTICE (Issue #2, 2014).

        However since I just joined I don’t have the last issue of JUSTICE! Would you be so kind as to include the table, please?? Thanks so much!

        Peter

  104. My father passed away 5 years ago and was just about to look up his pension entitlements, he worked in England from 1955 until 1969/70 then came home to Dublin. I was wondering how i would go about finding out if there was anything left to claim. I have no national id number for him. But can get his old address he lived at whilst living in london.

    • David Morris says:

      Hello Darren, it is a little complicated. Normally a state pension does not form part of your estate, so there is no residual value. However, your spouse or common law partner would be entitled to a pension based on your NI contributions. So, your fathers spouse could well be entitled to a basic state pension.
      There is also a provision that if your father had deferred claiming his pension past retirement age, the extra pension he would have obtained by that deferral would form part of his state, and his next of kin would be entitled to a portion of that.
      You should contact the Dept of Works and Pensions on this.

  105. Pat Kidson says:

    I am a British citizen resident in South Africa. I was born May 1951 and turned 63 this year. I worked part time from age 15 holidays and week ends and full time from August 1969 to October 1970 and again from March 1971 to June 1970. Would I be entitled to any form of reduced pension. Thank you.

    • David Morris says:

      Hello Pat. I need to know if you are male or female, as it can make a difference. sorry I can’t tell from the name

  106. Hi there, my dad recently passed away and he was born in the uk in 1949 he started work at 15 and emigrated to Australia in 1979 and was a full time worker. , I’m helping my mum out with hers and my deceased fathers uk pensions can you please point me in the right direction xxx where do I start? Thanks do much x

    • David Morris says:

      Hello Sian, your father would have been entitled to a partial pension. Depending on your mothers age, she may or may mot be entitled to a spousal pension, based on his NI record.
      Essentially, she needs to contact the Dept. of Works and Pensions in the UK. She will need her husbands NI number. If You don’t know the number, you can give them his last address or employer in the UK.
      If you join us, we can give you a package of information, including contact information, and how to go about claiming any pension due.

  107. I am trying to gather info for an American friend. (I know you won’t believe that but it it is true!) She is married to a Brit but left him 20 years ago because he was too lazy to work. They never divorced. He is over 80 now and GB is taking care of him. She is retiring from an American firm and has been told he will get 1/2 of her pension. Is she entitled to half of what he is now collecting? Only seems fair.

    • David Morris says:

      Hello Nancy, I believe you. Providing your friend has not entered into a new common law relationship, she would normally be entitled to a spousal pension equal to about 60% of her former husbands. This would be in addition to what her husband is currently receiving.
      In terms of any entitlement to a percentage of her husbands pension, I can’t answer that.
      I would guess that if her husband is entitled to 50% of her company pension, then she would be entitled to 50% of his state pension. This is really a question of family law in the state she resides in.

    • Robert Smith says:

      I wonder if you can help – does time spent in child care mean the time a woman spend looking after her babies?

      My aunt was born in UK in 1918 – worked from age 14 until she left UK at age 27. Some of the intervening years were spent working, some looking after her two children and four years in the WAAF (Womans air force). She has never claimed a UK pension.

      Thanks

      robert

      • David Morris says:

        Hello Robert, yes it does. She would get credit for her time in the WAAF, and for time spent raising children

  108. Derrick says:

    Hi David,

    You’ve probably commented on this before but I’m sure the irony of the significant increase in the UK basic state pension that takes effect in 2016 is not lost on CABP and others fighting to get their pensions indexed. How have they been able to afford the projected increase or is it more a case of ‘give with one hand and take something else away with the other’? My skepticism makes me think that the free bus tokens might be withdrawn!

    For those of us subject to the post 2016 rules will a spouse still get a pension even if they did not contribute? If so does the payback get closer to 2 years than 3-4 years?

    Finally, my understanding is that with 30 years of contributions the ‘new’ pension would be the greater of 30/35ths of 148 GBP (the projected minimum for a full April 2016 pension) = 127 GBP or the current maximum of $113?

    For those currently collecting a UK pension here in Canada I’ve been happy to see the exchange rate finally change in their favour.

    Thanks for all the great work and effort on our behalf.
    Derrick

    • David Morris says:

      Hello Derrick,
      The increased state pension in 2016 is indeed revenue neutral to the Government. They have done this by eliminating the various other pensions that individuals were receiving, such as the second State pension, and spousal pensions.
      This actually can benefit pensioners abroad in that they may not have had any pension accrual under those schemes, and you can not make voluntary contributions to them. They will receive a larger basic state pension.

      Post 2016, a spouse will not qualify for a pension. They must qualify in their own right, with their own contributions.

      You are correct in your understanding of the calculation for 30 years.

      Thank you for your support

  109. Hello David,
    I’m a British Citizen and lived in the UK the majority of my life (born 1979). I left in 2007 at age 26 to work in China, and have now been living/working in Canada since 2010, I’m now 35.
    I worked various part time and full time jobs from age 16-23 while studying and then continuous full time for 3 yrs post graduation.
    I have not made contributions in the UK since leaving in 07.
    Could you please help to explain my options regarding qualifying for a full or part UK pension? Also what, if any would be the benefit to this rather than concentrating my money on the Canadian pension system ie. TFSA and RRSP? If Canada were to be my home in retirement.
    If I wanted to make voluntary contributions, how would I go about this?
    Any guidance would be much appreciated!

    Thank you

    • David Morris says:

      hello Daniel, lots of good questions. You will need 10 years of NI contributions to qualify for a partial pension. You may already be close to that, depending on the number of years you got credit for part time work. However, at age 35, you have lots of time to make voluntary contributions, and could end up with a full pension if you wished.
      While there is nothing wrong with TFSA’s and RRSP’s, there are two reasons why you should consider making voluntary contributions to the UK state pension
      1. You should at least contribute to get to the minimum level of 10 years. Otherwise the contributions you made while you were there will be lost.
      2. Financially, making a voluntary contribution to the UK pension is the best deal in town. Using todays numbers, for example. If you are eligible to make a Class 2 contribution, it would cost you £143 to buy 1 extra year of pension. That one extra year of pension would pay you £196 a year for life. That is a 137% return on your money in the first year alone. No TFSA or RRSP investments can match that. Even if you have to pay the Class 3 contribution rate which is £722, the payback period on your contribution is 3.6 years, which equals a 28% annual return on your money. That’s just to get the value of your contribution back. Every year after that is 100% profit.

      The easiest way to go about it is to join us. We will give you a complete package of information on how to get started, including advice on how to qualify for the Class 2 contributions.

  110. Deborah Lawrence says:

    Hi David, I guess you can say my situation is unique. I was born in the UK in 1962 and moved to the Caribbean at a very young age. I returned to the UK for college and worked with the Inland Revenue for approximately 10 months before leaving for the Caribbean permanently. I also claimed unemployment benefits in the UK for a short time before I was employed. I was offered some temporary benefit (from the Civil Service) – which I did not claim – after I resigned. Since I know that I will not be able to receive any substantial benefits here when I retire, would I be eligible to make any voluntary payments to the UK pension, how much should I contribute and how much can I expect to receive when the time comes. I currently live in the Caribbean. Thanks for your help.

    • David Morris says:

      Hello Deborah, to make voluntary payments from abroad, you need to have lived in the UK for a period of 3 continuous years, plus have a National Insurance number. Given that you worked there, you would have a NI number. The question is whether you lived there at any time for a 3 year period.
      If you did, then, yes, you can make voluntary payments to qualify for a state pension. You reach state pension age in 2029, so you have time to make a number of payments.

  111. Daniel McIntosh says:

    I worked in Scotland from 1968- 1973 I emigrated to Canada in 1973 and continue to live there. I will be 65 0n February 2007, do I qualify for any kind of pension. If I have to pay to catch up the years how do I do that?

    • David Morris says:

      Hello Daniel, I need to confirm your date of birth. You said “you will be 65 in 2007″ Did you mean you WERE 65 in 2007, or that you will be 65 in 2017 ?

  112. David Hughes says:

    I was born in Glasgow Scotland in October 1947. I worked in Scotland from 1963 to 1967 then emigrated to Australia. My question is, do I qualify for a part pension?

    • David Morris says:

      Hello David, yes you do. You only needed 1 year of employment. You also can still buy back likely 4 years. The good news is that it will be backdated to October 2012, which you can take as a lump sum, or an increased weekly pension

  113. Linda Russell says:

    Dear David Morris

    I was born in England 11th March 1960 and started working aged 16 (1976) and have either worked for other companies or my husband’s limited company (and bought up 3 children) until my divorce in 2007.

    I have a FULL NI paying record from 1976 – 2010 EXCEPT one really irritating gap in 1990-1991 when I was seriously ill with an ectopic pregnancy so couldnt work!!!! Would you believe they didnt even give me maternity pay then (son born August 1990) because of the gap in 1990 when I couldnt work – it made me so angry and my NI record says it is “TOO LATE TO PAY” on my record – is this really correct? Otherwise I would have a FULL 34 years!!!!

    Since 2010 to 2014 I have not paid NI contributions (self employed) because I had not earnt enough – as I was on WTC and studying for my Degree which was completed in August 2011. I therefore OWE 4 years NI but am unable to get them to realise that I had filled out the Low Income forms for years 2010 – 2013 which they have mislaid/never received (?) I WANT to pay my NI for this year as I am (finally) going to be earning enough to do so – having set up my own practice! The trouble is they will apply it to the previous years (2010 -2013) rather than to 2014 – WHAT on earth can I do about this?????? Please help!

    Linda

    • David Morris says:

      Hi Linda, from your comments, it looks like you are living in the UK – is that correct ?
      If so, I cant really help you. Our organization is for Uk pensioners living in Canada, whose pensions are frozen. I suggest you contact the DWP to resolve your questions.

  114. maurice kirwan says:

    hi I worked in uk for 4 years I have 17 years to date 2014 paid into my national insurance contributions I wan born in 1951 so my pension is on 2016 so I don’t have all the years paid can I pay back to get full pension thank you

    • David Morris says:

      Hello Maurice, you can not buy back all missing years. You can only buy back the years that they advise you are available. Were you informed about the years that you could buy back ?

      • maurice kirwan says:

        hi I checked I have 19 years up to 5 April 2012 so my retirement is on Dec 2016 by then I will have 23 years paid in to the pension how much you think I will get thank you maurice

        • David Morris says:

          Hello Maurice, if you will have 23 years by December 2016, as a minimum you will have 23/35ths of a full pension. The full pension in 2016 is estimated to be £155 a week, so you would get roughly £102 a week. You may be able to get a one time opportunity to buy back another 6 years, assuming the Government doesn’t withdraw that by then. That would add another £26 a week

  115. jacqui budd says:

    i was born in england 1957 and worked between 1974-1995 emigrating to Canada in 1996. Around 1986 or thereabouts i contracted out of SERPS and therefore had my pension paid into a private pension fund through Prudential. As i no longer resided in the UK i was not able to contribute further to the fund. Please advise what i am eligible for now in regards to a state pension over and above my private contribution?

    • David Morris says:

      Hello Jacqui, you are eligible for a partial UK state pension. You need 10 years, and you have at least 20. You are also able to make catch up payments to get additional years, and you can continue to make voluntary contributions until you reach state pension age in 2023. That should get you close to a full pension, over and above any private pension.

      • jacqui budd says:

        thanks for your advice much appreciated. how do i go about making regular contributions and also do you know what kind of payments a full pension would pay out monthly? is it based on how much money i contribute and does the money i contributed into my private pension with Pru when i contracted out of SERPS count towards that? who can i contact to get further information? sorry… so many questions!

        • David Morris says:

          Hello Jacqui, I don’t know what the full pension amount will be in 2023, but to give you an idea, in 2016, the full state pension is estimated to be about £155 a week, which is roughly $283 a week. You get that if you have 35 years of contributions. If you have less than 35 years, the full pension is simply prorated based on the number of eligible years you do have. EG, if you have 30 years, you would get 30/35th of the full pension. The state pension is independent of any other pension you may be entitled to, and is based solely on the number of eligible years where you made National Insurance contributions. Those contributions would normally be made through your employer, but you can also make voluntary contributions yourself.
          The easiest next step is to join us. We will give you a full package of information on what to do next, including how to make voluntary contributions.

  116. Moira Maser says:

    I was born in England Dec8th 1956 then emigrated to canada May 1978, I worked from age 15 till I left the country I was wondering if i eligible for a pension?

    • David Morris says:

      Hello Moira, it looks like you have about 7 years of contributions, and you need 10 to qualify. The good news is that you are still able to make back payments to catch up some years, and you can make voluntary contributions going forward until you reach pension age in 2022. So yes, you can become eligible for a UK state pension by making a few payments. This is a really good financial deal.

  117. My husband is British but left England after graduating and has lived in Hong Kong since. We don’t think he has made any pension contributions so far but is it possible for him to start making voluntary contributions now? He was born in 1963.

    • David Morris says:

      Hello Ester, he would have to have a National Insurance number. He should have got one when he was 16 automatically. If he obtains his NI number, then he can make voluntary contributions now. We can help with how to get your National Insurance number, if you would consider joining us.

  118. I was born in 1942. Started ‘working’ as an apprentice at minimum wage at 16 then went into ‘regular’ employment at 19. Left England and the job at 33 (1975). Would I be qualified for any UK pension. How do I apply? Thanks.

    • David Morris says:

      Hello Peter, yes, you are entitled to a UK pension. You are in the age group that needed 11 years of work contributions, and it looks like you would have almost 20. That’s pretty close to 50% of a full pension. The really good news is that the pension would be backdated to 2007, which is when you reached 65. You can either take that as a lump sum, or as an increased weekly amount.
      The easiest next step is to join us. We will send you a package of information on what to do next, and we are always available to help with questions.
      You can join online on this website, or simply call our office at 1 888 591 3964 (Toll free)

  119. Hi, I was born 21 april 61.
    Two question:
    1) I worked in London about 8 year,between 2002 and 2012. I would like to know if I am eligible for any pension.
    2) In the case I am eligible. For some months, I was receiving a jobseeker’s allowance, would it affect the pension?
    Many thanks

    • David Morris says:

      hello Ana, you don’t reach state pension age until 2028. At that time, you will need 10 years of work contributions to qualify for a minimum pension. You have 8 already. The good news is that you are eligible to make voluntary payments right up to 2028. You can also buy back up to 6 years if you wish. That could get you 28 years of credit, which is a pretty substantial percentage of a full pension.
      You don’t have to make all those contributions, but you need to make a couple to get you at least to 10 years.
      The jobseekers allowance wont affect your eligibility, but you do need to get to 10 years

  120. Mike Hayward says:

    Hi,
    I was born in 1960 in the UK. I live in Australia but worked full time in the UK between 1993 to 1999 where I paid tax and I’m assuming national insurance. What sort of UK pension if any would I be eligible for please?

    • David Morris says:

      hello Mike, you will reach UK state pension age in 2026. You will need 10 years of NI contributions to qualify for a partial pension, and you likely have at least 6 years already. The good news is that you are able to make catch up payments (at least 6 years), and you can also make voluntary payments going forward to retirement. Assuming you make those payments (and it is a very good financial deal to do that), you could have 24 years, or so, of entitlement. You need 35 for a full pension, so 24 years would get you a partial pension of 24/35ths of the full amount. I don’t know what the full pension in 2026 will be, but to give you an idea, in 2016 the full pension is estimated to be £145 a week. 24/35ths of that is roughly £100 a week. If you join us, we can give you a package of information, including how to make voluntary payments, and how to get a pension forecast

  121. jmramsahye007@yahoo.com says:

    Dear Sir / Madam,

    I am a British citizen, having lived and worked in uk since June 1971 until 1999 and stopped working due to ill health,
    I get a small NHS PENSION. As I will be 65 in 2 weeks time , I wonder if you could tell me if I qualify for State Pension
    as I have worked and paid my NI contribution over the 28 years.

    Yours Faithfully,
    M. Ramsahye ( Mr )

    • David Morris says:

      Hello Mr Ramsahye, you certainly do qualify for a UK state pension. In fact, you are pretty close to qualifying for a full pension of £113 a week. You only need 30 years for a full pension, and you have the ability to buy back the two years that you need to get a full pension. If you join us, we can help you get started on claiming that pension

      • Helena Taibo says:

        Hello David,

        How can I get intouch with you,
        I am british living in spain born 1953 worked for 29 and a half years in England. Would like to get my full pension benefits. Stoped working since 2006, how do I go about it.

        Thank you for all your help.

        helen

        • David Morris says:

          Hello Helena, based on your age, you don’t reach pension age until 2017. At that time, you will qualify for a UK pension. As you live in Spain, you come under the rules for pension harmonization in EU countries. The pension will likely be paid by Spain, based on all your work contributions and residence in the EU, including the UK. The rules are complicated, and we can’t really help you. Our organization is set up to support pensioners living in countries where their UK pension is frozen. The EU is not included in that, so we do not have any expertise in how EU pensions are paid. You need to take this up with the pension department in Spain.

  122. Chantal H says:

    Hi.
    My in-laws (Father is 63, Mother is 68) have british passports but have never lived in England. They are thinking of moving in a year or two. Because of their age I doubt they’ll be able to work. Will they be able to get a pension etc?
    Many thanks,
    Chantal

    • David Morris says:

      Hello Chantal, the basic UK state pension is contributory. You have to have worked in the UK for some period of time, so your in-laws would not qualify for that. There are other programs and services they may be eligible for as residents, but I am not qualified to speak on this, and my information would be out of date anyway. They would still be entitled to receive any Canadian pension they qualified for.

  123. Michelle L says:

    I lived in the UK 2 days short of 3 years (arriving May 29, 2009, leaving May 27, 2012) and I was was born in 1962.

    Is there any grace period on the 3 years I had to have lived in the UK, or am I out of luck?

    Thanks

    • David Morris says:

      Hello Michelle, if you worked in the UK for that period of time, then you meet the residency test as your contributions spanned 3 tax years, which are measured from April to April. You still need 10 years to qualify, but you can make voluntary contributions to get you there.

  124. andrew f. elliot says:

    my wife and I both receive British pensions we are both in our 70′s If I die will my wife receive an increase in her pension or will I if she dies before me.

    • David Morris says:

      Hello Andrew, if you die first, then your wife will get an increase in pension up to the level of yours, but it does not work the other way round. You will not get an increase if your wife dies before you.

  125. Barbara P. says:

    I was born in Canada 1955 – I went to University in Scotland, graduated in 1978 and worked 3 jobs in Scotland and England. Although I remember my employers, I can’t remember how long I worked for each – from 1978 to sometime in the 80′s – 1983 or 1984, when I returned to Canada. I still have a record of my national Insurance number, which I must have obtained in 1978.

    Would it be worthwhile for me to investigate further in regard to a potential pension from the UK pension system?

    • David Morris says:

      Hello Barbara, absolutely it is worthwhile. You reach pension age in 2021, so you can make 6 years of voluntary payments, plus buy back another 6 years, plus the years you already have from working. That could get you probably 50% of a full pension. In 2016 the current estimate of a full pension is £145 a week. By 2021, that would likely be £ 170 a week. 59% of that is £85 a week, or roughly $156 a week

  126. thomas pollock says:

    my dad and mother where born in uk and i was there for over thirty years i have been ill with a illness for years and did not work much. i was in uk army for awhile and worked on and off but my health was not good . i came to live in eire im still here i get a pension non contribution pension. id like to go back to england eventhough i have a pension here . thing is i cant keep my pension if i went to england as its only a non contributed one. my dad is dead now so i want to go back to my friends and sister in england . would i be entitled to a non contributed pension , in england.gb thank you so much tommy pollock .

    • David Morris says:

      Hello Thomas, I don’t know what you mean by “non contributed pension”. I can only help with the UK state pension, which is a contributory pension. I cant help with any other social benefit programs. With your time in the army, plus any time you spent working, you may be eligible for a partial state pension, but it would depend on the number of years that you made National Insurance contributions

  127. Jeff Sinclair says:

    I was born in Ireland April 1951 started working in April 1966 ending in Oct 1971 when I moved to Canada I was wondering if I am eligible I did make contributions for the years I worked there I am also thinking which is the best way to approach this I am not retired & still working in Canada

    • David Morris says:

      Hello Jeff, did you mean that you worked in the UK, or in Ireland? If you worked in the Republic, you would not be eligible for a UK pension, but you would if you worked in the North.
      If you worked in the UK you will be eligible for a UK pension. You may have to make some voluntary contributions to get you to 10 years, but you can certainly qualify on that basis. I suggest that you look at making those voluntary contributions, and also back payments to buy additional years. It is a great financial deal.
      If you join us, we can help get you started.

  128. Eileen Gavel says:

    Hello David,

    I was born in Canada in October 1955. I worked in the UK from Sept. 1996 until June 1999. Can you tell me if I am eligible for any pension benefits? Thank you.

    • David Morris says:

      Hello Eileen, you are of the age group that needs 10 years. However, you are likely able to make voluntary payments to get you there. The rules state that you must have either 3 years of contributions, or have lived in the UK for 3 years, before you are allowed to make voluntary contributions. I believe you would qualify, as you would have 3 years of contribution history. If you do make voluntary contributions, you would certainly be able to get to 10 years, to get a partial pension. You do not need to be a UK citizen, or to have been born there.

  129. Michael D says:

    Thanks for the previous information. Does the U.K count 6 months in 1968 and 6 months in 1969 as 1 or 2 years?
    Is there a deduction from U.K pensions from Canadian O.A.S or C.P.P?

    • David Morris says:

      Hello Michael, qualifying years are based on earnings. For example, in 2014, if you earned more than £5,700 in a year, that year would qualify for pension purposes. In previous years, the qualifying amount would be less. If you worked for 6 months, the chances are very good that it qualifies as a year. In your case that would mean two years.
      There is no deduction from CPP or OAS, or from the UK pension.
      OAS is subject to a partial clawback if your total income from all sources exceeds a threshold. In 2013, that threshold is $79,954.

    • Sent the application for my National Insurance Number to national Revenue & Customs in Newcastle.
      Once I get my N.I # I qualify with 2 yrs.’ as my birth date is 11th Feb 1951. I also qualify to buy back 6 years.
      To qualify for the low rate, the conditions are you must work right up to the time you leave the U.K and you must have stayed in the U.K for 3 years continuously . I seem to qualify on both fronts as I live in the U.K for 15 year continuously and left the British Army on a Friday and left the U.K on the following Monday.
      Is that your reading of the facts and do I have write the folks above to ask for the low rate payback?

      • David Morris says:

        Hello Michael, your reading of the facts is correct. You absolutely have to contact them about paying Class 2. Be aware that they don’t make it easy. You may have to insist on an answer, and it may take some time. Their first response may be no, and you may have to be persistent.

  130. Barbara M. Wilcock says:

    I worked in the United Kingdom from 1972 through 1982 and would like to know how I can apply for this state pension.

    Barbara M. Wilcock
    Trenton, Ontario,
    Canada.

    • David Morris says:

      Hello Barbara, it looks like you qualify, and depending on your age, you may also be able to increase the pension by making voluntary contributions. The easiest next step is to join us. We will the send you a package of information on what to do next, including how to make top up payments. We are also available to our members to help answer any questions

  131. Diana Landriault says:

    Hi David – I workd in the UK for the early part of my career and I have been informed by them that I have 10 qualifying years. When I apply for my Canadian pension at age 60 (in Oct 2015) will these years be added in to bring up my qualifying years here, which are approximately 28 years. If so, approximately how much difference will this make to the pension I have been quoted here from CPP, ie $525.00. Thanks for any help you can offer.
    Diana

    • David Morris says:

      Hello Diana, the bad news is that your contributions in the UK do not count towards CPP. The good news is that you are entitled to a UK pension, which will be on top of anything you get from CPP. You also are still able to make additional voluntary contributions towards the UK pension, which will give you a bigger pension

  132. Bev Mackenzie says:

    Hi I am 56 and going to live and work in the UK. I will have to start paying. NI but how many years can I buy back and what will the cost to me be. Thank you
    Bev Mackenzie

    • David Morris says:

      Hello Bev, I am not sure I understand the question. If you are going to work in the UK for the first time, I don’t think you can buy back any years. Buying back is offered to people to fill in gaps in their employment record from when they first started to contribute. You don’t have any gaps, because you don’t have any record.
      However, bear in mind that you can get credit in the UK for any contributions made to CPP, under the reciprocal social services agreement

  133. Catherine Honor McCormack (nee Downing) says:

    I was born in Devon on February 24th 1950. I worked from 1968- 1974 in London.
    I do not know my NI number but I do have a current British Passport. I live in Canada.
    I wonder if I am entitled to and pension from Britain.

    • David Morris says:

      Hello Catherine, If you were two months older, you would only need 1 year. As it stands, you need 10. You likely only have 8 or 9, so you are close, but you should still be able to buy back a couple of years. You should be able to qualify, but you need to act now.
      We can help you with finding out your NI number, and how to buy back some years.

  134. Alex Clyde says:

    Hello,

    I was born in December 1954, and worked in the UK from the age of 15 to 23 (almost 24). Then I moved to Canada.

    How can I qualify for a partial pension, and if so, how much am I able to top up my contributions to my UK pension (how many years)?

    I would also like to find out more about spousal pension?

    Thanks, Alex

    • David Morris says:

      Hello Alex, looks like you have 8 years now. You will need 10, but you reach pension age in 2020, so you can add 6 from now to then, plus buy back at least 6. That should give you around 20, which would be almost 2/3 of a full pension. Spousal pensions are being eliminated after 2016.
      If you join us we can tell you how to get started, and how to make voluntary payments.

  135. Jenny Warrillow says:

    Hi, I am from the UK and lived there all my life til 3 years ago. I am only 29 now but started looking into whether I will be entitled to anything when I do reach pension age… I worked from the age of 18 to 27 full time, so 9 years. Then I moved to Canada and am planning on staying here permanently. If I started to make small contributions now is it likely when I reach the relevant age I will be reimbursed or is there a huge risk that the laws will change and I will lose anything I put in? Thanks

    • David Morris says:

      Hello Jenny, if you contribute to a government pension scheme, you have to assume that the government will honour the terms of that scheme. Governments may change the scheme, but that typically only applies to new people joining, not those who already contributed. It’s no different to the Canadian CPP. We assume that the government will honour its commitments.
      It is highly unlikely that you would lose any contributions you made

  136. Ian Wragge says:

    I was born in India in December 1943 and emigrated to England in 1953 with my parents. I worked in London for exactly 5 years from 1961 to 1966 at which time I emigrated to Canada. Would I be eligible for any pension? I also understand that I may be too late to apply or buy back additional years since I turned 70 in December 2013. Is this true.
    Thanks for your help and a great, useful website.

    • David Morris says:

      Hello Ian, unfortunately it is true. It is too late to buy back any years, and you needed 11. Sorry

  137. Michael D says:

    I was born on the 11th Feb 1951. I only worked full time in 1968 1969. Am I entitled to a British pension?
    From what I’ve read I am and can buy back some other years.
    Can you confirm this? What can I expect per month and how much can I buy back at what price?

    • David Morris says:

      Hello Michael, yes you only need 1 year. What you would get depends on the number of years you buy back. You can buy back at least 6. You would get 1/30th of a full pension for every year you have accumulated. A full pension at today’s rates is £5824 a year, so, 1/30th of that for every year. The cost depends on whether you can be eligible to make class 2 or class 3 voluntary payments. We can help with that. Class 2 is roughly £140 for a year,whereas class 3 is £750

  138. Christine Rubba says:

    I was born in Canada to a British mother on August 8 1963. My working life as single person in the UK was from 1982 – 1984. I was married in the UK in 1984. Then we moved to Canada in 1985. In October 1996 we returned to the UK. I worked part time from 1998 until we left the UK in December 2003 and returned to Canada. My husband worked full time. We have since divorced – 2008 – what entitlement would I have to a British pension in this situation?
    Thank you.

    • David Morris says:

      Hello Christina, where you were born doesn’t matter. All that matters is whether you worked in the UK. You will have a National Insurance record from when you worked there. Given your age, you will need 10 years of work contributions, but the good news is that you are still able to make voluntary contributions. You don’t reach pension age until 2030, so you can make many voluntary contributions. This is a good deal financially. That should more than get you to the minimum 10 years

      • Christine Rubba says:

        Thank you David. So if I join your group you will assist me in my next step? As you say I have quite a few years to contribute so would like to get started as soon as I can. I cant find my National Insurance number but I know there is a form to download from the government website.

        Christine

        • David Morris says:

          Hi Christine, absolutely. You will receive an email package of information within a couple of days of joining. It will tell you how to apply for your NI number, how to get a pension forecast, and how to make voluntary payments. Our office is also always available to answer questions from members. We will also send you our quarterly magazine Justice, which keeps our members up to date on the fight for pension indexing, plus other useful information on pensions.
          It is the best deal in town.

  139. PS. Forgot to mention in my previous comment I was born in Margate, Kent 1950!

  140. I was born Sept. 1950 and worked in London from 1967-1971. I don’t know my NI number to check of I am eligible based on 4 years contributions. Please advise where to obtain an application. Many thanks for any assistance you may offer.

    • David Morris says:

      Hello Elaine, you are in the group that needs 10 years to be eligible. You likely have 5 now,and you may be eligible to buy back a few more. I can’t say for sure whether it will get you to 10, but you are close. I could suggest you join us,and we will send you an information package on what to do next, but I can’t assure you that you will be eligible for a pension. You may fall short by a year.

  141. geoffrey m gadd says:

    born uk 1942 worked 1957 /1966, moved to Canada aug 1966, am I entitled to any pension.

    • David Morris says:

      Hello Geoffrey, based on your record, you likely are not eligible. You needed 11 years to qualify, and it is too late to buy back any years. It wouldn’t hurt to ask the Pensions Dept though.

  142. Malcolm Guscott says:

    Hi David
    I was born in Newport South Wales 26 Jan 1956, I worked in the UK from the age of 16 to 25, moved to Canada when I was 25 but moved back at the age of 29, I became self employed and work until 1992 when I returned to Canda, am I Elagabalus to claim UK pension, I am 58 years old?

    • David Morris says:

      hello Malcolm, you may already be eligible (depending on whether you paid National Insurance when you were self employed). You need 10 years to qualify, and you have 9 from your first period, and possibly another 7 from your self employment. Even if you didn’t pay NI when self employed, you can become eligible very easily by making 1 or 2 voluntary payments. You can also make more payments to increase your pension, so you are in good shape. Your pension age is 66, so you can continue to make NO voluntary contributions until then.

  143. Jacqueline Gardner says:

    I was born in the UK in March 1950. Due to further education, I only worked full time from 1971 to 1974 and from 1979 to when I emigrated to Canada in October 1982. I worked in part time student jobs in the summers of 1968 to 1971 and 1975 to 1976. How do I qualify for British pension?

    • David Morris says:

      Hello Jacqueline, if you had been born 1 month later, you would have only needed 1 year of employment to qualify. As it stands however, you need 10. You are probably very close, though, as you would also have got NI Credits from age 16 to 18. You still are also able to buy back a couple of years. So it is quite likely that you can qualify for a partial pension. It all depends on what the records show as your NI contributions. It is worth your while to pursue this, but don’t delay, as you will lose the right to buy back years.

  144. Denise Stirton says:

    Good Morning:
    Would I qualify for any type of pension? I lived and worked in England from age 16 to 19, 3 years. I was born in 1959 and moved to Canada Sept 30, 1978.
    Thank you.
    Denise

    • David Morris says:

      Hello Denise, you don’t qualify right now, as you are in the age group that needs 10 years, however, the good news is that you are able to make voluntary contributions, which will certainly get you there. It is a really good deal to make those payments

  145. Pauline says:

    Hi,

    I am asking in respect of my father.
    He was born in 1933, he worked before joinng the British Army and served 25 years, the family emigrated in 1973. He does receive a British Army Pension would he quaulify for a British State Pension?

    • David Morris says:

      Hello Pauline, yes, your father is entitled to a state pension, over and above the Army pension. He needs 11 years, and has substantially more than that. The good news is that this pension will be backdated to when he turned 65, and he could receive a lump sum.

  146. Julie Durling says:

    Just to add a little more information, I worked in England from age 15 to 22 moved to Canada for 2 years, worked again for 6 months in England then emigrated to Canada in 1979. It looks like I may get a small pension, if I am reading the eligibility rules correctly?

  147. Julie Durling says:

    Hi David, I was born in January 1953, worked for 7 years in England before coming to Canada. Do you think I would qualify for a partial pension

    • David Morris says:

      Hello Julie, you are reading the eligibility rules correctly. You only need 1 year of work to qualify, so you are eligible for a partial pension when you reach pension age in Sept 2015. Be aware that you still are able to make back payments, which will increase your pension. This is definitely worth doing if you can.

  148. Judy Carroll says:

    I was born May 1962 in England, worked from 1981 to 1989 before moving to Canada. So if I understand correctly I need to top up to 10 years worth of NI and optionally add more contributions…how do I go about doing this?

    • David Morris says:

      Hello Judy, your understanding is correct. You will need 10 years, and you have the ability to make some back payments, and to make voluntary payments going forward. The easiest answer I can give you is to join us. We are a not for profit volunteer organization. We will send you a complete information package on what to do next, including how to top up, and how to apply for Class 2 voluntary payments, which are much cheaper than Class 3

  149. Rosemary says:

    Hello,
    I am writing on behalf of my mother, who was born in the Czech Republic on August 12, 1930. She worked in Manchester, England from approximately 1949 to 1952 in a factory and then as a nurse. She emigrated to Canada in January of 1953 and became a Canadian citizen in 1966, and is now widowed and living alone. Would she be eligible for a UK pension? It doesn’t look like it, but I wanted to get confirmation nonetheless.
    Thanks for such a great website and the great info and work you do.

    • David Morris says:

      Hello Rosemary, your mother is in the age group that needs 10 years, so unfortunately you are right. She doesn’t qualify. Sorry

  150. Janet Donnelly (nee Harley) says:

    I was born in England on January 16, 1951 but my parents emigrated to Canada in 1954. I have both Canadian and British Citizenship. We went back in 1976 and I worked in England from August of 1976 until I left to come back to Canada in February 1980. Am I eligible for pension?

    Thank you.

    • David Morris says:

      Hello Janet, it looks like you would have 3 or 4 years worth of NI Contributions. You would have reached pension age in November 2011, so you fall under the group that only needed 1 year of work record to qualify for a partial pension, so yes, you do qualify. You also still have the ability to buy back some years, which would increase your pension.
      Also, any pension that you receive would be backdated to November 2011 – and you can chose to receive that as a lump sum, or as an increased weekly pension

  151. Dave Brown says:

    Hi
    I worked in England (British Gas) approx 19 years. I was born in 1950 so have a little over 1 year before reaching pensionable age. Am I entitled to a partial pension and should I make any contribution before reaching my retirement age. I still have a national Insurance number.
    Thanks

    • David Morris says:

      Hello Dave, absolutely you are entitled to a UK state pension. You can also buy back some years to increase it. You need 30 years to get a full pension, and the partial pension is simply prorated to be 1/30 of the full pension for every year you have. With your ability to buy back, you can get pretty close to a full pension. Financially it is a great deal to buy back additional years. We go through the math of that in our membership package

      • Dave Brown says:

        Hi dave i forgot to mention that I served in the British Army from 1966 to 1974 prior to joining British Gas 1974 to 1989. Would this bring me closer to a full pension. Do I still need to buy any years and should I join this association now.
        Thanks for your reply.
        Dave

        • David Morris says:

          Hello Dave, yes you get NI credits for the army, so that would take you to 27 years. You only need 3 more for a full pension. Congratulations. We hope you will still join us. We help people get the pensions they are entitled to, but our primary mission is to lobby the UK government to get our pensions indexed to inflation every year. We are making progress, but there is strength in numbers and we need our member support.

  152. Kevin Mooney says:

    I am male, born July 1954. I worked most of my life for ‘The Crown’ – British Army for 9 years and the Civil Service for about 12 years. My total pensionable time was (is) approximately 21 years. My military pension was commuted into my Civil Service Pension – hence approx 21 years. (During this period I was fully contributing into National Insurance also).
    As this is a ‘private’ pension (which has now been transferred to an RRSP in Canada under the QROP scheme):
    1. Am I still entitled to my old age UK pension when reaching 65 (or rather, nearly 66)?
    2. If the answer to 1. is Yes, would it be beneficial for me to ‘top up’ to the maximum?
    3. As I have also paid into the Canada Pension Plan (approx 19 years), can I still claim CPP on top of;
    a. My settlement (QROPS) with the Civil Service Pension?
    b. My UK old age pension?
    Any advice and assistance you can provide would be most welcome.
    Best regards.

    • David Morris says:

      Hello Kevin – good questions !
      1. Yes, you are entitled to a UK state pension, based on your NI contribution history, regardless of any private pension.
      2. Yes, it is financially very attractive to top up.
      3. Yes, you can also claim CPP, based on your CPP contribution record. It is not affected by any other pensions, including private and the UK state pension.
      Depending on your total income, your OAS pension may have some clawback, but CPP is unaffected
      If you would consider joining us, we will send you an information package that outlines what you should do next, and also goes through the financial math of making top up payments.

  153. Michael Evans says:

    My birth date is January 10, 1932. I worked in the UK from 1948 to 1953 then again for one year in 1957.
    Do I qualify for any state pension?

    • David Morris says:

      Hello Michael, you are in the age group that needed 11 years of work contributions to qualify. It doesn’t look like you would have that. Sorry

  154. D. Sun says:

    I am now 63 years old – April 1951 – (F) I have been working in the UK and have paid UK Tax and NI for the past 10 years since 2004. I shall continue to do this for another 3 to 5 years. When I finish working in the UK, will I be entitled to any pension or part of pension?

    • David Morris says:

      Hello D. Sun, if you are female, you have already reached pension age in the UK, and yes, you are entitled to a UK pension. You also should not be continuing to pay normal NI contributions once you reach retirement age. You can however make some additional voluntary contributions to make up gaps in your record, but you have to make those separately. If you are employed in the UK, you can not continue to pay Class 1 contributions once you reach pension age, and you must tell your employer. You are entitled to your state pension now, but you can defer taking it. This will allow you to either get a lump sum, or a higher pension amount once you do start collecting it

  155. Kathy Alexander says:

    Hello David,

    My Date of birth is Dec 29 1955, I worked in the England from 1973 to Dec 1982, worked in Saudi Arabia for 1 year then moved to Vancouver, Canada in 1984, where I married and now live. Do I qualify for a state pension? and do I have to “buy in”?
    Thanks
    Kathy

    • David Morris says:

      Hello Kathy, you will reach pension age in 2021, at which time you will need a minimum of 10 years to qualify. It looks like you have 9 years already from work, and you would have got credits from age 16 to 18, so you probably already qualify. However, the good news is that you are also able to make additional voluntary contributions which will increase your pension. This is financially a good deal. The first step is for you to obtain a pension forecast, which will give you the info you need. We can help with how to do that.

  156. Mary Gardner says:

    I was born in Guernsey in 1947. I started to work at age 14and worked 2 years there then moved to England and worked for 3 years. Would I qualify for pension?

    • David Morris says:

      Hello Mary, unfortunately, you are in the group that needed 10 years of work contributions, and it is now too late to buy back any years. Sorry

  157. Suzanne Richardson says:

    My uncle was born in Madras, India on October 10, 1935 so he was a British citizen. In 1956 his family moved to London, England. He worked in England for 3 from and served another 2 years in the National Service from 1959 to 1961. He emigrated to Canada in 1963 where he worked full time up until 2004. Does he qualify for any portion of a British Pension?.

    • David Morris says:

      Hello Suzanne, unfortunately, your uncle is the age where he needed 10 years of work history to qualify for a UK state pension, and it is too late for him to buy back any years. Citizenship is not a factor, only NI contributions via employment.

    • Courtney Thompson says:

      Hello, my stepmother married to a British pensioner who died some years ago. Is she entitled to any state benefits?

      • David Morris says:

        Hello Courtney, it is possible. It would depend on some factors, such as her date of birth, and whether she is in another relationship now.

  158. Barbara Wilcock says:

    I worked and lived in London, U.K. from 1971 through 1982. Am I eligible for a state pension and if so, how do I apply for this????

    • David Morris says:

      Hello Barbara, you have 11 years of National Insurance contributions, so you are eligible. Without knowing your date of birth, I can’t tell you whether you can make additional contributions or not, but you should be eligible with what you have already. The easiest next step is to join us. We will send you a complete package of information on what to do next.

  159. Linda Dark says:

    Hello David,
    Please could you tell me if I qualify for a reduced pension. My birth date is 28.10.1950 and I worked in the UK for 4 years before going to work in Sicily and then Switzerland where I now live. I come up for retirement here at age 64. I do not have my NI number and would also like to know how I can find it. Thanks, Linda Dark

    • David Morris says:

      Hello Linda, yes, you qualify for a partial pension, and you are also still able to buy back a few years to increase it. You actually reached pension age on May 2011, so you should not delay. You will also be entitled to either a lump sum backdated to May 2011, or an increased weekly pension. We can help you with this, including how to apply for your national insurance number, and how to make voluntary top up payments

      • Linda Dark says:

        Thank you so much for this prompt and positive reply! I would be extremely interested to follow up on this and would be grateful for any help you can give re NI number and top up payments. I look forward to hearing from you soon!! Thanks again, Linda

        • David Morris says:

          Hello Linda, my best advice to you is to join us. You can sign up right on this website. As a member, we give you a complete package of info – including how to get your national insurance number, and make back payments. We are non profit, staffed by volunteers, and are fighting for the rights of all UK pensioners

  160. Lesley Noskid says:

    I was born in 1962 – worked part time as a teenager and full time from 1979 to 1985 when I went on maternity leave – I then emigrated to Canada in 1987 – I returned to the UK afew years later and worked fort a short while before moving back to Canada – do I qualify?

    • David Morris says:

      Hello Lesley, you need 10 years of NI Contributions to qualify. Given your work experience, and maternity leave, you might just be there already. However, even if you aren’t, you are able to buy back some years, and to make voluntary contributions until you reach pension age. That will more than qualify you, so yes – you can be eligible for a UK pension

  161. Rachel Memory says:

    Hello David,

    I was born in April of 1963 and am aged 51. Born and lived in England until 1990 when I emigrated to Canada.
    I worked from ’79 on and off to ’82 and then had a family.
    Could you tell me if I would be eligible to buy voluntary contributions for a partial pension and if it’s worth doing that?

    Thank you in advance!

    • David Morris says:

      Hello Rachel, providing you had a National Insurance number when you were there ( and you probably did), you are eligible to make voluntary contributions. You have time to make enough contributions to get you a sizeable pension. Financially, it is absolutely worth doing, especially if you can qualify to make Class 2 voluntary contributions, which are much cheaper than Class 3. We can help with that.

  162. Ellen Sutherland says:

    Hello…
    Thank you for your info and forgive me for causing you extra work…
    I cut and pasted your info to another and wonder if you would kindly clarify why as one born in 1949 (retiring this Sept 2014 – born Cdn., married 1978 to a UK, worked 1966 to 1971). Why would I not qualify as one of those needing only 1 year?

    “…If you retired between April 6, 2010 and April 6, 2016, you only needed 1 year,
    and if you retire after April 6, 2016, you need 10 years again….”

    How do I join your association?

    • David Morris says:

      Hello Ellen, no problem. If you were born in 1949, you reached UK pension age when you were 60, which was in 2009. That means you fall under the legislation in force before April 2010, which means you needed 10 years. The UK is gradually increasing the pension age for women, but if you were born in 1949, it was still 60 when you reached it. You can join us by clicking here, and following one of the suggested methods. The easiest way is to join on-line, but you can also mail a cheque, or just call the office
      http://www.britishpensions.com/joinrenew/

  163. john van beurden says:

    Hi. Born in 1959 and have dual citizenship (canadian/british) . Lived and worked in Uk from 2010 to 2013. Only had income in 2011, 2012, 2013 though through a corporation i had set up. Do i qualify? Can i top up? Thanks. I have an NI number.

    • David Morris says:

      Hello John, providing you lived in the UK for 3 years, then you should be eligible to top up. You reach pension age in 2025, so you certainly have time to get you at least the minimum you need to qualify

      • john van beurden says:

        Thank you for the reply. I did live in the UK for just over 3 years and obtained by Uk citizenship. How do i go about topping up please? and how much? and how long do I need to do this for? Many thanks.

        • David Morris says:

          Hello John, based on your age group, you fall under the category where you will need 39 years of contribution history to reach a full pension. A prorated pension is based on 1/39th of the full amount for every year that you have. If you can make the full 39 years of payments, great – if not, you will receive a partial pension based on what ever number of years you do contribute.
          If you would consider joining us, we will send you a full information package on what to do next, including how you can make Class 2 voluntary payments instead of Class 3. There is a huge cost difference between the two, so it is worthwhile making the attempt. The Government doesn’t publicise this very well, but we can advise you

  164. Ellen Sutherlnad says:

    Hello
    Birthday September 1949. I worked full time in UK from Aug 1966 to sometime end of 1971. This information was asked for when I applied for my pension, to begin this September. Does that mean the Canadian gov’t will set up my uk pension (I know I’m dreaming aren’t I?) but otherwise why did they wish to know this and all the details it involved? Otherwise, am I eligible for a UK partial pension?
    Thank you for your assistance.

    • David Morris says:

      Hello Ellen, the Canadian Govt ask for this info, because all income is supposed to be reported for tax purposes – even pension income from the UK. It doesn’t affect your Canadian pension at all. Unfortunately no, the Canadian govt doesn’t set up your UK pension, you have to do that yourself.
      You needed 10 years to qualify for a UK pension, however you still have the ability to buy back 3 or 4 years – so you may just qualify. You need to get in touch with the UK Dept of Works and Pensions as soon as possible. We can help you with that if you join us, but I cant guarantee that you will be eligible. It will depend on your actual NI record.

      • Ellen Sutherlnad says:

        hello David,
        Thank you for your response…so what you are suggesting is to join your organization and you will point me to where to find out the information necessary to see if I can buy back more pension time?
        I would just like a general cost for say 4 years of buy back… is that possible? No use going through all this search if I cannot afford the buyback.

        • David Morris says:

          Hello Ellen, to buy back 1 year costs £722 if you pay Class 3 rates, and £143 if you qualify to pay Class 2 rates, so multiply those by the number of years you want to buy back. One additional year of pension is worth about £150 a year to you, so you can see that buying back a year at Class 2 rates pays for itself in less than a year

  165. Williamina McIvor says:

    Hello I am Scottish born but lived and worked I the seventies in Scotland I have a national insurance number and asked previously but didn’t get any answere. My birthdate is September 1949 how do I find out ? Do I need ten years to qualify?
    Can I buy into it.

    • David Morris says:

      Hello Williamina, you do need 10 years to be eligible, but you may still be able to buy back 3 or 4 years. If you worked in Scotland for 6 or 7 years you might just qualify. If you don’t have that amount of work experience, then you wont qualify.
      You need to contact the dept of Works and pensions in the UK. We can help with that if you join us, but I cant guarantee that you will be eligible

  166. Myrtle Irvine says:

    Born Sept 1944 in Belfast N. Ireland, worked from Age 16 to 19 when I got married and started a family. Do I qualify for British Pension?

    • David Morris says:

      Hello Myrtle, sorry – you needed 10 years to qualify, and it is too late to buy back any years

  167. Hi, I was born in 1955 and worked in England for 5 years before emigrating to Canada. What is my eligibility.

    • David Morris says:

      Hello Irene, your pension retirement age will be 66, and you will need 10 years. The good news is you can buy back 6 years, and also make more voluntary contributions until you reach 66. That will more than qualify you for a partial pension. It is really worth it to make those contributions.

  168. Brian Robotham says:

    Hi,

    I was born in Merseyside Feb 1958, worked full time from 1974 at tesco, then RN from May 77 till Mar 82 then i moved to Canada. i know all my personal info, NH # etc, what would be my eligibility ?

    Thanks.

    • David Morris says:

      Hello Brian, you come under the new legislation where you will need 10 years. The good news is that you are able to buy back 6 years, and to make voluntary contributions going forward. This will get you a substantial percentage of a full pension. Making those voluntary contributions is a really good deal.

  169. Swiba Lepcha says:

    I am an es-Gurkhas now living in Toronto. I served in British Gurkhas from 1971-1980 and joined as an assistant to Special Investigation Branch (SIB/RMP) of Royal Military Police in Hong Kong from 1982-1990. I am a receipent of the Galantry Medal from the Queen in 1979. When I resigned I received small compensation but no pension. Am I qualified for any British Pension?

    Thank you kindly

  170. Suzanne Tan says:

    Hi I just turned 60 in March this year. I worked in uk frm Feb 1973 to Dec 1978. I live in Australia now. Am I eligible for anything. Any information would be much appreciated. Thank you

    • David Morris says:

      Hello Suzanne, due to changes in retirement legislation, you will reach pension age when you are 65. You will need 10 years of work contributions to be eligible, but the good news is that you are able to make voluntary contributions until you reach pension age, and you are also able to buy back some years. That means you can become eligible for a UK pension

      • Suzanne Tan says:

        Hi David thanks for the prompt reply. That means I have to make voluntary contributions up to over 5 years in order to be eligible. How much is it per year and can I make one off payment or pay yearly and in the long run is it a worthwhile exercise. Also i have no record of my NI number. I am already retired here. Thanks

        • David Morris says:

          Hello Suzanne, if you can afford it, it is absolutely worth while to make voluntary contributions. It is the best deal in town. The cost to buy 1 year of pension credit is a one time payment of either £140, or £760 – depending on whether you qualify for Class 2 or Class 3. That one extra year would get you today roughly £190 extra every year. You can make a one off payment to buy back up to 6 years. Making contributions going forward is done every year. The first step is to get your NI number. We can help with that. In our membership package, we tell you who to write to and what to say.
          We also tell you how to qualify for class 2 payments, which are really a good deal

  171. jim cruickshank says:

    i worked approx 3 years in scotland,before coming to canada in 1969
    i was also born and brought up in scotland.
    do i qualify for a pension.

    • David Morris says:

      Hello Jim, I need to know your date of birth before I can give you a precise answer.

      • jim cruickshank says:

        my date of birth, july 27 1949.

        • David Morris says:

          Thanks Jim, yes you do qualify. You only need 1 year, and it looks like you have 3. You also are still able to make some voluntary contributions to increase your pension, which is worth doing

  172. Angela Tey says:

    Hi David,
    I’m asking on behalf of my mom. She was born in April 1948. She worked in the UK and contributed to the National Insurance Contribution from 1969 – 1975. She’s back in Malaysia since 1976. Is she qualified for any UK pension? Thanks!

    • David Morris says:

      Hi Angela, unfortunately, your mother needs 10 years, and it is now too late to buy back enough. Sorry

  173. Cecilia lee says:

    Hello,

    I was born in UK 1948, worked from age 15 to age 24 quit work to start family in 1972. We emigrated to Canada in 1980,
    would I qualify for UK pension and do they take into consideration time off for raising family? My husband is same age as me and he has been buying additional years.

    Thanks,

    Cecilia

    • David Morris says:

      Hi Cecilia, you need 10 years, however they do take raising children into consideration, so you likely may qualify.

  174. Edwin Weeks. says:

    I am 79 years of age and have been drawing a partial British pension from the age of 65 years. I married a Canadian in 2011 who is 55 years of age, born in 1959. Is she eligible to receive the pension also ?

    • David Morris says:

      Hello Edwin, unfortunately no. She reaches pension age after 2016, and the law changes then. There will be no new spousal pensions after that date, although existing ones will continue

  175. Marie Owen says:

    My husband and I moved to Canada in 2008 and are now both working here full time.
    In the UK I worked full time from 1982 to 1999, then took time off to raise a family.
    My husband worked from 1980 until 2008 both fully employed and self employed. He continued to pay voluntary contributions until 2013. Should he continue? Will we both quality for British pensions? Will this effect any Canadian pensions we may qualify for?

    • David Morris says:

      Hello Marie. Receiving a UK pension does not affect your eligibility for a Canadian pension in any way. The UK pension is extra income, so it could affect your tax situation, but not eligibility for Canadian pensions. As it stands, you both qualify for a UK pension, so you are in good shape. I would need to know both your dates of birth to answer your questions about contributions.

      • Marie Owen says:

        Hi David

        My DOB is June 1965 and my spouses is Jan 1963.

        • David Morris says:

          Hello Marie, both of you will come under the new legislation, which means you need a minimum of 10 and a maximum of 35 years. Your husband should not contribute any more than 35 years, as it doesn’t get you any more pension. Looks like he has 33 now, so he only needs a couple more to get the maximum pension. You have 17, plus any equivalent years through maternity, so you can make some extra contributions.
          If you join, we can tell you how to get a pension forecast statement, and how to claim for maternity credit

  176. I was born in May 1950 , started working as an apprentice in 1967 and worked until 1973 when I emigrated to Canada
    Would I qualify for a partial pension

    • David Morris says:

      Hello Mike, yes, you are eligible. You only need 1 year, so you are in good shape. You also are able to buy back a number of years to increase the pension, which is a really good deal. You reach pension age next year, so don’t delay.

  177. I was born in 1974 and worked in the UK from December 2003 to about august 2005 in both part time and self employed position. Do i qualify for pension or to buy more years by contribution

    • David Morris says:

      Hello Hank, providing you have a National Insurance number, you will be able to buy more years. It will depend on whether your employer made any deductions from your pay for NI. You would have to contact the DWP to find out

      • Yes, I had a National Insurance Number and my employer made deductions and i even filed a tax return for 2003 and 2004. What does DWP stand for and how do i contact them….

        • David Morris says:

          Hi Hank, then you are in good shape. DWP stands for Dept of Works and Pensions. My best suggestion to you is to join us. We will give you a complete package of information, including how to get started, and who to contact. We also tell you what you need to know to be eligible to make Class 2 voluntary contributions, which are a fraction of the cost of Class 3. The DWP don’t publicise this, but it can save you a lot of money

  178. Peter J. Wilkins CD says:

    I left school at age 14 in 1945 May second world war ended and we were ignored. Worked at Humber- Hillman apprentice Draughtsman Joined the Royal Navy as a Boy Seaman March 1947, transferred to the RCN June 1949 Bron 7th July 1931 Do I qualify for a UK pension Still a British Citizen ????

    • David Morris says:

      Hello Peter, sorry, you are of the age that needed 11 years to qualify, and it is too late to buy back any years

  179. Steve Knudson says:

    I just started to receive my state pension form the UK although I reside in Canada for last 40 years. I was born in London and worked in the uk for 5 years. I have been advised that my Canadian wife may be eligible for a pension of 60% of what I receive. Does this sound correct?

  180. Terry Wood says:

    My mother was born in 1926. She worked for about 10 years in England during and after the war before she moved to Canada in 1950. At 88 she is now wondering if she might have been entitled to a pension?

    • David Morris says:

      Hello Terry, it is certainly a possibility. She would have needed 10 years of NI contributions. It would also depend on what kind of contribution she made. It is worth pursuing. You never know. If she is entitled, she would get a back payment to the age of 60.

      • Terry Wood says:

        On closer examination she says that there are only 8 full years of employment. How does that change the situation?

        • David Morris says:

          Hello Terry, she needs 10 years of contributions, so that may rule her out. It never hurts to ask, though

  181. Vivienne Paterson-Turney says:

    Hi I worked in the UK for 12 years from 2001 to 2013 my date of birth is 28/03/1978. Will I be eligible for a UK pension when I retire? How will they find me?

    • David Morris says:

      Hi Vivienne, you certainly will be eligible for a UK pension. You can even increase it by making voluntary contributions, and you should strongly consider that.
      If you join us, we can help you get started. We will send you a package of information on how to apply for a pension forecast. Once you do that, you will be in their system. Its all based on your National Insurance number, so if you don’t know what it is, the first step is to ascertain it. We can help with that too.

  182. Michael Barker says:

    Hello
    I was born in Bradford, Yorkshire and worked for Inland Revenue, (Ministry of Social Security) in Bradford from August 15, 1966 to April 5, 1968 and wondered if I’m eligible to apply for any UK pension ? Who do I apply to if eligible ?
    cheers
    Michael

    • David Morris says:

      Hello Michael, I need to know your date of birth to give you a precise answer

      • Michael Barker says:

        Birthdate is August 30, 1949

        • David Morris says:

          Hello Michael, then yes, you qualify for a partial pension, as you only needed 1 year. You also still have the ability to buy back some years to increase it. If you join, we will send you an information package on what to do next, including how to make back payments

  183. David,

    I worked in the UK full time from 1972 to mid July 1979 when I emigrated to Canada. This is 7 full years of employment. Do I qualify for some UK pension?

    Thank you.

    • David Morris says:

      Hello Roland, I would need to know your date of birth to give you an exact answer.

      • Oct 4th 1955

        • David Morris says:

          Hi Roland, in that case, while you may not be eligible now (you need 10 years) you can become eligible quite easily. You can buy back 6 years, and make voluntary contributions going forward. You reach pension age in 2021, so you could accumulate 20 years in total. That will get you close to 2/3 of a full pension. You should at least contribute for 3 years to get you the minimum, otherwise your 7 years were wasted.

  184. archie gillies says:

    could you explain why some people need 11 years to qualify and others only one year.

    • David Morris says:

      Hi Archie, it is because the regulations changed. If you retired before April 6, 2010 you needed 11 years as a male, 10 as a female. If you retired between April 6, 2010 and April 6, 2016, you only needed 1 year, and if you retire after April 6, 2016, you need 10 years again.
      Blame the government for changing their minds

  185. archie gillies says:

    i am enquiring for a friend.
    charley was born in 1937.in scotland.
    he worked from 1952-1964 with two years national service in between
    he emigrated to canada in 1964. what percentage should he receive?.
    his wife mary was born 1936 in scotland and worked from 1951-1955 when she had her children and never worked again she emigrated with charley in 1964 .is she due any pension.
    is this pension taxed at the source or taxed in canada

    • David Morris says:

      Hello Archie, your friend should be eligible as he appears to have more than 11 years. If he has 12, he would get 1/4 of a full pension, but there would be a backdated amount to when he turned 65.
      His wife would be eligible for some pension too, either using her husbands contribution record or her own. She also would get a backdated amount.
      The pension is not taxed in the UK. It is taxable in Canada

  186. Jean Montgomery says:

    I was a stay at home mom in Bath, England for 41/2 years. Do I qualify for pension? If so what do I do next ?

  187. fabioagostini75@gmail.com says:

    Hi.
    My name is Fabio, i am 39 years old and have been working in the uk for 20 years (sept 2014)
    iI am planning to move permanently in the USA next year, i have also an apartment which i will rent out (my be selling in a few years)
    Will i be entitled to a pension when i retire (most probably i will be still in the USA then) and what will be the percentage I could claim?
    Thanks and regards
    Fabio

    • David Morris says:

      Hello Fabio, yes you will be entitled to a pension. You will need 35 years to qualify for the maximum pension, and you have 20 now, so you would get just over 50%. However, you can continue to make voluntary contributions after you leave, which could get you to the full 35 year maximum pension

  188. My father was born in India in 1929 to British parents, moved to England in ’46, did mandatory military service from ’47-’49, then moved to Canada in ’50. I’m aware that he did some work during his time in England but I don’t know what yet exactly. Are there scenarios where he would or could be entitled to a british (or military) pension? If yes then I can investigate further.

  189. moe jessop says:

    I born in Canada and my Canadian spouse born in Canada too. Spouse died and at the same time has an English passport.. Can I collect any income/pension from British Government

  190. Michael says:

    Hi,
    What do you mean by “buy back previous years” and also “”voluntary contributions”. Thanks

    • David Morris says:

      Hello Michael, the UK system is a contributory scheme where every year you contribute to the system though employment counts towards the pension. The UK also allows people to make their contribution to the scheme even if you are unemployed, or not resident in the UK. That is called a voluntary contribution. You pay a designated amount each year, and for that, you get 1 years credit towards the pension, just as if you were working there. The Government also allows for people to catch up on some years they may have missed making a contribution, for whatever reason. It is usually 6 years, but there are circumstances where it can be more. Those are called “back payments”, or “buying back”.
      They both achieve the same result of getting you credit towards a pension. One allows you to catch up on some missing years in your record, the other allows you to contribute on an ongoing basis to earn pension credits

      • Michael says:

        Thank you for clarifying my question. Based on you reply, would it be possible to purchase say 6 years of “buy back” in one lump sum? Also is there a cap on the numbers of years for making voluntary contribution, and can these contribution be made in lump sums or must they be annual payments? Thanks again.

        • David Morris says:

          Hello Michael, yes, you can buy back any allowed years with a lump sum, or individually. There is no cap on the number of years for voluntary contributions going forward. For obvious reasons, you would not make more voluntary contributions than what is needed to get you the maximum pension.
          The voluntary contributions going forward are made annually, because the contribution amount is set annually

  191. archie gillies says:

    i was born in 1939 and worked from 1953-1979 when i emigrated to canada.
    what portion of uk pension do i qualify for?

    • David Morris says:

      Hello Archie, it sounds like you would have roughly 26 years of employment credits. That would get you approx. 60% of a full pension. At todays rates, that would get you about £66 a week (roughly $120). The good news is that you are entitled to that pension retroactively to the age of 65. That means you could either get a lump sum of 10 years back pension, or you could choose to take it as a larger pension going forward.
      That’s a nice unexpected bonus.

  192. Alexander Highet says:

    I was born in 1935.I worked in the UK from June 1952 till June 1960 including 2 years National Service.Do I qualify for any kind Uk pension?

    • David Morris says:

      Hello Alexander, unfortunately, you are in the age group that needed 11 years to qualify, and it is too late to buy back any years. Sorry

  193. Heather McDonald says:

    I was born in England in May 1954 and worked in England and Scotland for over six years. Based on what I’ve been reading, I think I would be eligible for some type of pension if I bought enough years to get my qualifying years up to 10. Is this correct?

    • David Morris says:

      Hi Heather, you are correct. You will reach pension age in November 2019, so you can make contributions going forward from now, and also you will be able to buy back 6 years. That would get you probably 50% of the full pension

      • Heather McDonald says:

        Hi David, thanks for responding so quickly! I moved to Canada in 1977 and don’t think I have any documents with my National Insurance # on. What would be the process for finding that out?

  194. C.Higginbotham says:

    I was born in the UK and began working part time as a student from 1989-1996 and then full time from 1996-2007 when I moved to Canada- I have dual citizenship. I have just seen your add on tv, I’m only 39 so retirement is still a fair way off, is there anything I should be doing now that would help me receive any pension from the UK that I may be entitled to?

    • David Morris says:

      Hello C Higginbotham, you are very wise to be considering your pension situation this early. Most people your age don’t, and then find out it is too late. You will need 35 years of contributions to qualify for a full pension, so you can easily make that. My advice would be to make a voluntary contribution every year from now on. You will get a far better return on that investment than anything else you could get – especially if you can qualify for the class 2 level voluntary contributions. To give you an idea of the value, for class 2, it costs today a one time payment of about £143 to buy 1 year of pension eligibility. That one year in pension eligibility gets you £196 in extra pension every year. That’s a great deal

  195. Joanne Woodward says:

    I was born Dec 1956 and worked from 1973 until 1979 when I emigrated to Canada, would I be eligible for a pension.

    • David Morris says:

      Hello Joanne, yes you can become eligible for a pension. You need 10 years, but the good news is that you can make voluntary contributions to build up your entitlement. Your pension age is 66, so you can buy back some years, plus contribute going forward. This is really worth it from a financial point of view, especially if you can qualify to make Class 2 contributions

  196. Antonio says:

    Hello; I am 83, born 1931. I worked in England from 5/1957 till end of 1959 as a butler. I had applied to see if I was entitled to anything but was told no. After seeing your TV ad, now I wonder?

    • David Morris says:

      Hello Antonio, unfortunately you fit in the category that needed 10 years, so you are not eligible. Sorry

  197. Hi:
    Just watched your TV commercial in Canada. I am a UK citizen born in ’71. I worked and made NI contributions for 19 years ( 1987 – 2006) then emigrated to Canada in ’06. My wife (Canadian citizen) lived and made contributions to NI from 1999 to 2006. Surely I will be entitled to a UK pension but what about my wife? Thanks in advance.

    • David Morris says:

      Hello Paul, you certainly are entitled to a UK pension. Your wife is as well, providing she meets the minimum level of 10 qualifying years. The good news is that you both are eligible to buy back some years, and to make further voluntary contributions going forward. You have enough room to make sufficient contributions to earn a full pension. Depending on your wife’s age, she likely could get that as well.
      I suggest that you look seriously at making those back payments, and contributing going forward.

  198. june smith says:

    M y Birthdate is June 1st 1930 I worked in England from 1944 until coming to Canada in 1957. I did apply for any pension to which I might be entitled . I was informed that I had only contributed to the “smaller stamp” and therefor did not qualify. I have since heard of people who have been able to make up the difference and are now receiving a percentage of the pension. Any hope ?.

    • David Morris says:

      Hi June, unfortunately no, it is too late to make any voluntary contributions. The small stamp only qualifies you for the spousal pension

  199. Linda Ketchum says:

    I was born in Scotland in 1952 and worked in the UK for approx. 8 years between 1974 and 1983. I’ve lived in the USA since 1986 and became a citizen in 1992.

    It looks as if I might qualify, what do you think?

    • David Morris says:

      Hello Linda, yes, you do qualify. You only need 1 year of work, so you are there. You reach pension age this year, but you can still make at least 6 back payments to increase your pension, which should get you pretty close to 50% of a full pension

  200. Hi David.
    I am 24 and currently working in uk with company moved over from Ireland 18months ago, would I be entitled to receive a uk pension, also wondering if for example if I work in uk for 5years in total, how do I make a NI employment contributions or increase that pension by making some voluntary back payments. how does it work?

    • David Morris says:

      Hello Eamonn, if you are working in the UK, your company will be making National Insurance contributions on your behalf. That means you will have a National Insurance number. You can get that from your employer. It is likely on your pay stub. Once you have that, you can continue to make voluntary NI contributions, even after you leave the UK. The process is straightforward. We lay out all the details on how to do that for our members

  201. Dear David. I am a UK/Canadian citizen. Born July 1948 in England. I have a british Insurance number. I worked about 4 years in England.
    Came to Canada in 1970. Worked in England again another couple of years from 1996. (I am not too sure of
    the amount of years worked.. I live in Canada and am receiving a Canadian pension.
    Would I be eligible for a partial pension?

    • David Morris says:

      Hello Janet, you are close. You need 10 years of work contributions. You may have 6 from employment, and you can still buy back 3 or 4 years, so you may just qualify. It is definitely worth pursuing, but you need to do it quickly. You have nothing to lose by applying.
      If you join us, we can give you a head start on what to do next. We will send you a package of information on how to apply, and who to write to. If you already have your NI number, that helps.

    • john heyfron says:

      born london 1945 /nov 12/
      started work at the age of 15yrs a 5yr apprenticeship.immigrated to canada 1967

      • David Morris says:

        Hello John, you are in the age group that only needs 1 year to qualify, so yes, you are eligible for a partial pension. You can also increase it by making some voluntary payments.

        • john heyfron says:

          HI DAVID WHATS MY NEXT STAGE?

          • David Morris says:

            Hello John, the easiest next thing is for you to join us. We will send you by email a complete package of info on what to do next. Once you get that, if you have any questions, you can contact us at any time.
            We are a non profit group, staffed by volunteers. Our goal is to help people get the pension they are entitled to, and to fight for getting that pension indexed to inflation.

  202. Allan Brown says:

    I was born in Scotland in 1949. I served an apprenticeship from 1964 to 1970.

    I then emigrated to Canada.

    Am I entitled to any pension?

    thanks

    • David Morris says:

      Hello Allan, yes you are entitled to a pension. You only need 1 year of NI employment contributions. You can also increase that pension by making some voluntary back payments.
      If you join us, we can get you going

  203. My mom came to London in 1970 to study hairdressing and ended up working there for 9 years. She then emigrated to Canada in 1979; would she still be eligible or entitled to any pension? She will be 65 next year at the end of May.

    Any help or assistance would be greatly appreciated

    • David Morris says:

      Hello Tasha, your mom will need 10 years to qualify, however, the good news is that if she did have 9 years work there, she still has time to buy back a couple of years, which should get her there. She would qualify for 1/3 of a full pension, which would get her roughly $70 a week.
      Don’t delay applying, as she will eventually lose the ability to buy back. If you join us, we will get an info package to you quickly, so you can get started

  204. Susan MacKay says:

    Hi,
    I was born in England in 1950. I worked there for a year in 1969 although it was at a series of different jobs and also for a temp agency. I don’t have an N.I.S. number. Is it worth my while to pursue a pension. How can I find out if I have a N.I.S. number. Thanks.

    • David Morris says:

      Hello Susan, looks like you only need 1 year to be eligible, plus you can still buy back a few years. If you worked for a company, you would likely have an NI number. We can help you with this. It involves writing to the Dept of Works and Pensions and giving them your last address in the UK, or the name of your last employer. The DWP should have a record of your NI number

  205. Patricia Purvis says:

    I’m a little confused about these eligibility requirements. I was born in London on November 20, 1947 and worked there on-and-off for about a total of eight years or so. In 1974, I moved the the United States and am now eligible for Social Security here in this country, but am not sure if I’m eligible for any UK pension. Some of the answers to the questions above would indicate I am, while other would seem to indicate that I’m not. Any way you could clarify please? Thanks.

    • David Morris says:

      Hello Patricia, the rules are confusing. The UK government has changed the rules a number of times, which is why it is all based on being male or female, and your date of birth. Based on your situation, you needed 10 years to be eligible. You seem to have 8, and you may still be eligible to buy back a couple of years, so you may be close.
      Without knowing the exact number of contribution years you had, it is difficult to be more precise. It is certainly worth applying.

      • Patricia says:

        One more question and then I’ll quit picking your brains. LOL.
        Would I be eligible for a reduced pension (as in a percentage of the full amount) given the eight years or would I not be eligible at all?

        • David Morris says:

          Hi Patricia, no, the way it works is that you need the minimum number of years to qualify for anything. The problem is that the rules for what the minimum is changes, depending on your age. Some people only need 1 year, others 10.
          Unfortunately in your case you need 10, or it is nothing

          • Patricia says:

            Thanks for the information David. It was certainly enlightening and I appreciate your patience guiding me through this most confusing maze.

          • Patricia says:

            It’s me again and although I promised not to bother you, I was wondering if you could clarify something for me. It seems that “Gord Filmer” who posted on 5 June 2014 at 5:19 pm is in virtually the same situation as myself. Why is it that this person is eligible and yet I’m not? I’m sure I’m simply misunderstanding something, but it does make me curious.

          • David Morris says:

            Hi Patricia, it is because as a woman, you reached retirement age at the age of 60, in 2007. Gords retirement age was 65, so he retires in 2015. The rules changed in 2010. Anyone who reaches retirement age after 2010 only needed 1 year. Before 2010 it was 10.

      • Patricia Purvis says:

        Well, that sucks…!!!
        Where’s Emmeline Pankhurst and her posse when you need ‘em…?

        Seriously, I want to thank you for your patience and all the very crucial information you provide, David.
        You’re truly doing a magnificent job here for those of use who are having trouble navigating these retirement waters.

        • David Morris says:

          Hi Patricia, yes it does suck. The government keeps rejigging the rules. 2016 is even worse

  206. briane gray says:

    Hi, I was born in Halifax Nova Scotia in 1946, At which time all of Canada was under British workforce, and during the 1950s . I Work ed at a few jobs here and as a british subject, Can i receive the pension.

    • David Morris says:

      Hello Briane, no, you need to have made contributions to the National Insurance scheme in the UK

  207. JULIA WILLIAMS says:

    I was born on July 271954 and emigrated to Canada in 1977 after working 8 years in the UK. I now have,Canadain passport I would like to know if I would qualify for some pension from the UK. ? If so how wouldI go about appling for it ?:

    • David Morris says:

      Hello Julia, you will need 10 years to qualify, but the good news is you have 8, and you are also entitled to make additional voluntary contributions, plus buy back at least 6 years. If you take advantage of this, you could end up with almost 2/3 of a full pension, which could get you maybe $180 a week. This is really worth pursuing.
      The easiest thing to do is join us. We are a non profit volunteer group. You can read about what we do on this website.
      We will send you a complete package of information on how to get started.

  208. Dave Turner says:

    Hi David:

    I was born September 1951 and I worked summer holidays from when I was 16 (Summer 1968 through 1972). I graduated and started full time work in 1973 and emigrated to Canada in November 1980.

    Will I qualify for a pension since I only have 7 full years paying stamp?. Would I be eligible to buy back more years to give me the 10 required?

    Also I married a Canadian, will she be eligible for a spousal pension?

    • David Morris says:

      Hello Dave, you come under the new legislation where you will need 10 years, however, you have the ability to buy back at least 6 years, and also to make voluntary contributions going forward. That will certainly get you a partial pension. In terms of your spouse, if she reaches pension age prior to April 6, 2016, then she will be entitled to a pension equal to 60% of yours. If she reaches pension age after that date, she will not, as no spousal pensions are available after that date.

      • Dave Turner says:

        Thanks David:

        I’ve already joined so will wait for the package but one last question for now – my wife turned 65 last year, is she eleigible for the pension now or does she have to wait until I hit 65?

        • David Morris says:

          HI Dave, thank you for joining. To qualify for a spousal pension, you both have to have reached state pension age. You do not have to actually be claiming your pension, but you have to have reached pension age

  209. Hello. I was born in 1977 and studied in school (in the UK) through to A Levels, worked a few odd jobs (some paying NI) in a gap year, then completed a 4-year bachelor’s degree, then worked again for a few months before moving to S E Asia to work in 2001. I returned to the UK for Post Graduate study for a year in 2003-2004, then left again for S E Asia to work again. Am I entitled to a pension? How long to I have to make payments? Also, it might be worth pointing out that I am returning to the UK to work in 2015 (August) but am unsure as to what pension I can pursue (is it only the State Pension)?

    • David Morris says:

      Hello Rick, the key point is that you worked for a time in the UK, and have a National Insurance record. You will need 10 years of contributions to be eligible, but you have lots of time to make voluntary payments to get you there, and beyond. You could probably qualify for a full pension, if you make voluntary contributions. These contributions are a great financial deal, and are very much worth doing. The new single tier state pension is the only Government pension that is available, but you may have access to a workplace private pension as well.
      Based on your age, your official pension date will be in 2044.

      • Dear David,

        I must say: many, many thanks for the info.–and for such a quick response. . .

        I have not paid NI contributions for 10 years but will soon return to work in the UK (as a teacher/educational administrator etc. etc.), as aforementioned. However, I am just slightly concerned that I may have ‘missed the boat’ in terms of setting up a comprehensive ‘workplace private pension’ for the future; is this the case? Can I ‘make up the years’ as one can with a State Pension? (I should add here, for piece of mind, that I am very aware that you do not, for obviously good reason, offer a free consultancy on such matters, so will understand fully if you wish to give further details privately. . . As you might understand, though, given the fact that I currently reside in S E Asia, first-hand information of the quality you offer is hard-to-come-by! ).

        With many thanks, and warm regards, in advance,

        Rick

        • David Morris says:

          Hello Rick, I am not an expert in private pensions in the UK, but generally, you can not “make up years”. I don’t know of any private schemes that allow a new hire to make back contributions. Not saying it is impossible, but I suspect highly unlikely. It would be employer specific in any event.

  210. Sue Riddell says:

    My mother was born in Edinburgh February 4, 1935, she worked from 1950 through 1957 in Edinburgh and then she and my father emigrated to Canada where they still reside. Does she qualify for the British Pension?

    • David Morris says:

      Hi Sue, unfortunately your mother is in the group that needed 10 years of NI contributions, and she has only 7. Unless she also had child raising credits, she would not be eligible. Sorry

    • Sue Riddell says:

      Hi David, she had my oldest sister born in Edinburgh in 1956, my next sister born in Arpril 1957 born in Edinburgh. She emigrated approximately 3 months later. Does that qualify?

  211. Thanks so much for a great website! I live in the USA, so my concerns are all USA-centric, but I suspect many things are similar between Canada and the USA (e.g. payment of voluntary NI contributions, pension calculation). Do you have resources for those of us in the USA, too? If you do I’ll join in a heartbeat :)

    Many thanks!

    Peter

    • David Morris says:

      Hello Peter, absolutely. We have members from all over the world. The package of info we provide is applicable wherever you live.

  212. Stephen Cheal says:

    I was born on February 25, 1952 and emigrated to Canada in 1978 after working 8 years in the UK. I now have dual citizenship, UK and Canada and am currently living in the U.S.A. under a green card. I am planning to retire back to Canada in 2015 and would like to know if I would qualify for some pension from the UK.

    • David Morris says:

      Hello Stephen, you will reach retirement age under the new legislation, which means you will need 10 years. However, you are eligible to buy back years, and to make voluntary contributions which will more than get you there. This is a great financial deal, which you should pursue. You could end up with more than 50% of a full pension, which would give you approx. £80 a week

  213. I was born in England April, 1938, worked for 2 years, 1955-1957, then emigrated to Canada. Do I qualify for a partial pension? I have a feeling that the answer will be no! Sorry, but the preamble does not allow me to make a calculation.

  214. I AM BORN IN 1950 AND IMMIGRATED TO UK IN 1957. I STUDIED AND WORKED IN UK UNTIL I MOVED TO CANADA IN 1974. AM I ELIGIBLE FOR UK PENSION, IF SO HOW DO I APPLY. I AM NOT BRITISH CITIZEN.

    • David Morris says:

      Hello BKC, you do not need to be a British citizen to be eligible for a pension. You just need to have worked there. You are in the age group that only needs 1 year of employment to be eligible, so yes, you are entitled to a british pension.
      If you join us, we will give you a package of information on how to go about claiming the pension, and how to make back payments

      • HOW DO I JOIN? AND HOW MUCH IS IT

        • David Morris says:

          Hello BKC, it is $25 to join. You can join right on this website by clicking on the Join/renew tab, or you can simply call our office at the phone number on the home page of the website

          • AM I ALSO ELIGIBLE FOR CATAGORY “B” PENSION, FOR MY SPOUSE, SHE HAS NEVER LIVED THERE

          • David Morris says:

            Hello BKC, I can’t answer this question unless I know your date of birth and your wife’s date of birth

  215. James paterson says:

    Hi I was born 23 08 1952 worked 1 1/2 years then left for canada do I qualify

    • David Morris says:

      Hello James, you will reach retirement age in 2017, at which point you will need 10 years of contributions. The good news is that you can make at least 6 years of back contributions, plus you can make voluntary contributions going forward, which should get you at least a partial pension

  216. Roy Soffe says:

    I was born January, 1950, worked from 1965 to 1987 then moved abroad, am I eligible for a pension?

    Thanks

    • David Morris says:

      Hello Roy, you most certainly are. Plus, you can add to it my making voluntary contributions. You reach pension age next January, and you only need 1 year. You already have 22. You can get pretty close to a full pension. You are in great shape, but don’t delay, because you want the option to buy back 6 years.
      Sign up for a membership online, and we will email you everything you need to know to make voluntary contributions (you want to try and get the Class 2 rate, which is much cheaper), and to get your pension forecast.

  217. Gord Filmer says:

    I was born in 1947 and am a UK Citizen. I worked in Scotland from 1965-1969 and subsequently moved with my employer to the Bahamas from 1969-1973. I was informed that my employer contributed for me to my uk state pension while I was in the Bahamas.
    How do I find out if this is so and can I buy back the years necessary to get to 10 years.

    • David Morris says:

      Hello Gord, the good news is that you are in the age group that only needs 1 year to qualify for a partial pension, so you are already there ! You can of course make voluntary contributions to increase it, and that is worth doing.
      Please join us. We are a volunteer based, non profit group, dedicated to helping people get the pensions they are entitled to, but more importantly, fighting on their behalf to get those pensions indexed to inflation. You can see the publicity we are getting in the UK on the front page of the web site.
      We will provide you a complete package of information, and we are always here to help. You can call our office, or email at any time. All for less than the cost of 4 Starbucks coffees a year

  218. Joyce Victoria Horne says:

    I was born in England in 1926 of British parents. I worked there from August 1942 till I came to Canada in 1946.Am I entitled to any pension?
    Thank you.

  219. Christine Warren says:

    I was born in 1944 in the UK worked from July 1959 to November 1967 when I took maternity leave. I emigrated to Canada in 1968 with my ex-husband without returning to work, and now have dual citizenship. I have never applied for a UK pension because I was told I had needed 10 years of employment in the UK to qualify. Am I right in thinking nothing can be done about it now?

    • David Morris says:

      Hello Christine, unfortunately it is too late. You needed 10 years, and it is too late now to buy back any years.
      It may be worthwhile you applying, because with your employment plus maternity, you would be very close.

      • Christine Warren says:

        Thank you for your prompt reply. I don’t know what the maternity leave is now, but back then I think it was only six months, which would still leave me quite short of ten years, so probably not worth the trouble of applying.

  220. Ronson Atkins says:

    I was born in Canada but worked in England for quite a few years between 1978 & 1993. I do have a National Insurance number but I am not sure how many years I actually worked in England. Is there a way to find out the number of years?

    • David Morris says:

      Hello Ronson, yes there is. It involves writing to the Dept of Works and pensions, and asking for a Pension Forecast.
      We can help with how to do that, including the approach to take, the address, and what to do after you get it.

    • joan seemangal says:

      i worked in England at least one year, i lived there for 4 years, just want to find out if i am entitle to any Pension.
      thanks.
      joan seemangal.

      • David Morris says:

        Hello Joan, without knowing your date of birth, I can’t tell you if you are entitled to anything. You may be, depending on your age

  221. Elaine Barnes says:

    I was born in the uk 1955. worked from age 18 to 48 when I emigrated to Canada 2003, how do I claim my state pension.

    • David Morris says:

      Hello Elaine, you are certainly eligible for a UK pension. The best approach for you is to join us. We are a non profit, volunteer group, united to fight for our rights. If you join, we will give you a complete information package on how to go about claiming your pension, and even increasing it, by making more voluntary contributions. We are also there to support our members if they have any questions

  222. Charles Hart says:

    Hi David
    I was born March 26, 1954 in Canada. After university in England I worked for approx 2 years full time before returning to Canada. Do you think I am eligible for any kind of UK pension?

    • David Morris says:

      Hello Charles, all you need to qualify is to have worked in the UK and made National Insurance contributions. You do not have to be a citizen, or born there. Based on your age you will need 10 years, however you still have the ability to make voluntary contributions, and to buy back some years. That should more than get you to the minimum you need. You have a National Insurance record, which makes you eligible to make further contributions – even from Canada

  223. Jon Minnis says:

    Hi,
    I have dual UK/Canadian citizenship. I was born in England on March 5th, 1950 and will turn 65 in 2015. I worked as an apprentice from 1965 to 1971 and then worked for an additional year from 1972 to 1973, a total of seven years before leaving for Canada. I do have my NI number. Could you inform me of my situation?
    Thanks, Jon

    • David Morris says:

      Hello Jon, you are eligible for a UK pension. Based on your age, you only need 1 year of NI Contributions, and you have 7. You will also have the ability to buy back at least another 6 years. That will get you almost 50% of a full pension – which is roughly £55 a week. You should definitely pursue this, as you are entitled to one

  224. Jillian Govan says:

    Hi David,
    I was born in the U.K. April 8th 1946 and I worked Saturday jobs from 1960 for a year or two (not sure if those hours count) and then full time from January 1963 – 67. Can I claim a British Pension?

    • David Morris says:

      Hi Jillian, unfortunately no. You needed 10 years of contributions, and it is now too late to buy back any years. Sorry.

      • Jillian Govan says:

        OK. Thank you very much for the info.

      • Peter John Ward says:

        Hi David I am a British citizen I live in South Africa. I came here with my mother and father when I was turning 17yrs I am now 55yrs old. I have been working in South africa. For yrs but temporals as I had an accident when I was turning. 21 yrs. My right. Arm is not working. And now I am old I can’t get any temporals anymore . Do you think I qualify for a state pensionav Regards Peter John Ward my parents past away I am living with friends

  225. I was born in the uk august 18 1949. I worked from august 1966 to july 1974 then came to Canada. Can I claim my state pension

    • David Morris says:

      Hello Ian, the good news is you will be eligible to claim a british pension this August. You only need 1 year to qualify, and it looks like you have 8. You are also eligible to buy back at least 6 more years, which will give you a bigger pension. That would give you at least 50% of the full pension, which would give you approx. £55 a week. You should definitely pursue this, as you are entitled to it. We can help you with how to go about it

      • I have received the application forms from the U.K., do I need anything else to fill out How much would 6 years buy back cost me ?

        • David Morris says:

          Hello Ian, the voluntary payment depends on whether you can make Class 2 or Class 3 contributions. Class 2 are way cheaper, but the Government does not publicise or make it easy to make class 2 contributions. Our membership package details what you have to do to be eligible for Class 2.

  226. John Byrne says:

    Hello David ,
    I am Irish and male 66 years old getting Irish old age pension DOB 12/05/1948 .I worked in UK for 2 years,
    September 1967 to August 1969 and wonder what , if any ,UK pension I qualify for. I don’t have insurance number but
    have firms names and addresses . Thanks in advance and carry on the excellent work and service you are providing.
    John Byrne

    • David Morris says:

      Hello John, yes you are eligible for a partial UK pension, and you can also increase that by making voluntary contributions. You can obtain your NI number by writing to the DWP and giving them your last employer or last place of residence.
      If you join us, we can help you doing all of this.

  227. isabel says:

    Hi, I was born in Scotland in 1950. I worked full-time from 1966 to 1974 before coming to Canada. Do I qualify for a partial U.K. pension?

    • David Morris says:

      Hi Isabel, can you let me have your exact date of birth please ?
      You either already qualify for a partial pension, or are very close. I can tell you exactly if I know your DOB
      thanks

      • isabel says:

        Hi, my dob is 20th February, 1950. Thanks

        • David Morris says:

          Hi Isabel, the bad news is that because you were born in February 1950 and not May 1950 or later, you need 10 years to qualify for a partial UK pension, instead of only 1. The good news is that although you currently only appear to have 8 years of contributions, you are still able to buy back some years to get you at least to the minimum. That means your 8 years there won’t be wasted. You shouldn’t delay though, as every year that goes by will cause you to lose a buy back year. It is definitely worth your while to pursue this as soon as possible.
          if you join us, we will send you a complete package of information on how to apply, and how to make voluntary contributions. We are a volunteer based, not for profit organization, working to get people the pensions they are entitled to, and also to get them indexed to inflation

  228. Monica says:

    Hello, I am Polish born in 1978. I worked (full time employment) in UK from 2012-2014 (2 years) and returned to Poland this year for good.
    After reaching retirement age will I be entitled to receive 1/15th of the basic pension?

    • David Morris says:

      Hello Monica, you come under the new legislation, and will need 10 years of contributions to qualify for anything. You likely can make voluntary contributions though to get you there

  229. jenny davidson says:

    my mum was born in 1934 she worked in the uk for 8yrs is she eligible for pension .

    • David Morris says:

      Hi Jenny, Unfortunately no. She needed 10 years. Child rearing can also count towards NI contributions, so if she was off work because of children, she might qualify

      • jenny davidson says:

        hi yes mum had to children in that time while she was working if this helps

        thanks for reply

        • David Morris says:

          Hello Jenny, then yes, it is possible that with a combination of employment and maternity, that she has sufficient years to qualify for a minimum pension. She would need to apply to the Dept of Works and Pensions to find out for sure.

  230. James Purdie says:

    I worked in Edinburgh, Scotland between 1966 and 1976, when I emigrated to Canada. I was born in 1950 and will be 65 next year – would I be entitled to a pre-rated pension then ?

    • David Morris says:

      Hello James, you certainly are entitled to a partial pension. You can also buy back some years to increase it. You should pursue this. If you join us, we can help

  231. Alison says:

    Do you have to be a British citizen to receive the pension? I am a Canadian citizen who worked in England for about 18 months in 1990-91 under a working holiday Visa. I believe I had a National Insurance number and paid contributions, but I would need to investigate further. I was born in 1966. Any chance of eligibility?

    Thanks.

    • David Morris says:

      Hello Alison, you do not have to be a British citizen, you just have to have worked and contributed to the NI scheme. You will fall under the new law in 2016, so you will need 10 years of contributions to qualify. However, you will be able to make voluntary contributions up to the time you reach retirement age, so you should be eligible

  232. Does employment in Hong Kong prior to 1997 count toward this calculation?

    • David Morris says:

      Hello John, it would count if you and your employer made contributions to the National Insurance scheme while there

  233. Annette says:

    I worked in the U.K. from 1967 to the end of 1969 before emigrating to Canada. Would I qualify to receive any U.K. pension. I was born in 1952.
    Thanks so much. :)

    • Trevor Motley says:

      Hello I worked in Jersey in the Channel Islands 1965 and 1966 and part of 1967 . I was born in England 1948 now I am a Canadian citizen do I qualify for a pension for this time

      • David Morris says:

        Hello Trevor, the short answer is that you might be eligible. You need to find out if you or your employer were paying National Insurance when in Jersey. Under certain circumstances your employer would be required to deduct NI, in which case you would be eligible for a partial pension, and can make some buy back payments.
        The Dept of Works and Pensions will have a record of any contributions you made

  234. Frances Spencer says:

    My husband was with the Secret Service in England during the war years. he later emigrated to Canada and spent his remaining years in British Columbia. Would I, as his widow, be eligible for any pension benefits due to his service for the country or his time worked there and how could i check his service records? His name was Leon Nevraumont. Thanks for your help.

    • David Morris says:

      Hello Frances, I cant help you with his service records. I imagine you could write to the Ministry of Defense for that. In terms of state pension eligibility, it would depend on the number of years he worked in the UK. He would have needed at least 11 years to be eligible for anything

  235. Maggie Paquet says:

    Hello David, I was born in England in 1945 with dual British/USA citizenship because my father was an American serviceman. I emigrated when a toddler, and worked in the US from age 15 through 22, then went back to England in March 1969 and worked pretty much continuously until September 1971, the latter 5 months in Scotland. I subsequently emigrated to Canada, becoming a citizen here and working continuously to age 65, mostly self employed the past 20 yers. I “retired” (i.e., started getting my Canadian pension at age 65), but am still working sporadically as a self-employed person. I have long wondered if I’m eligible for a British pension. I can’t find any documentation of my National Insurance number, but I did have one. Is it worth my time and energy to find out if I can get even a small UK pension? Thanks for any advice.

    • David Morris says:

      Hello Maggie, given your age unfortunately you would need 10 years of employment history, and it is now too late to buy back any years. Sorry

  236. aqeel hashmi says:

    I worked in u.k for 3 1/2 years from 1957 to 1960. Do I qualify for any pension at all.

  237. I was born in England in 1940 and worked there for approx. 6 years ( 1955 through 1961) In 1961 I emigrated to Canada. I turned 65 in the year 2005. Recently a friend suggested I was entitled to a British pension . Is this true and if so would I be entitled to that pension retroactive to 2005 . Also would my spouse be entitled to any benefit, i e pension or possible survivor benefit upon my death Any information you can provide is very much appreciated

    • David Morris says:

      Hi Barb, sorry. To qualify for a pension you would have needed 10 years of work experience. With only 6, you don’t qualify, and it is too late to buy back any years

  238. Maggie says:

    I was born in the UK in 1955 and worked for a company called GKN from August 1971 until I immigrated to Canada on June 23, 1975. I have read some of the comments and you mention needing 10 years for a partial payment and another that states you only need 1 year. I am a little confused! Do I qualify to apply for a pension with only working a maximum of 4 years. If so I have never been given an NI number do I need to get this in order to submit my application?

    • David Morris says:

      Hello Maggie, the reason for the confusion is that the law is changing in 2016. If you reach retirement age after that, you will need 10 years. Before that it was 1. Your retirement year is 2021, so you will need 10, however you have lots of time to make voluntary contributions to get you to the minimum and beyond. Yes, you must have your NI number, which you can obtain from the DWP.
      If you join us, we can help with all of this. With some voluntary contributions, you are certainly eligible for a pension

      • Thanks for the clarrification. So if I make contributions now to receive a pension in 2021 is it worth it? Any idea how much I would have to contribute compared to how much I get back?

        • David Morris says:

          Hello Maggie, it is definitely worth it. To give you an idea, the cost to buy back 1 year today at the Class 2 rate is a one time £140. That will give you an increased pension of £195 a year, every year for life .
          Those wont be the actual numbers in 2021, but the ratio will be the same

          • Sylvia Lee says:

            I was born in the UK and am entitled to a 31% pension, according to documentation from Inland Revenue in 2002. My date of birth is June 1949. I worked from age 16 until I emigrated to Canada in 1975. The 31% comes from a combination my and my ex-husband’s contributions.

            The documentation indicates that I need 39qualifying years to receive a full pension, but the information above says 30 years. Can you please clarify? The document also indicates paying for 13 more qualifying years for a basic pension. So I’m confused if I qualify for basic pension or not.

            I also have a letter from the Pension Service discussing lump sum payments if I defer pension to 21 June 2015, when I will turn 66, and indicates a lump sum of £11,460.63 before tax. I actually would likely defer until I’m 70, if I can. Can you please comment on that, given the changes to legislation in 2016.

            Thank you!

            Sylvia

          • David Morris says:

            Hello Sylvia, based on your age you fell into the category of retirees before April 2010, which meant you needed 39 years for a full pension. If you had reached retirement age after April 2010, you would only have needed 30, as the law changed. You also need a minimum of 10 to qualify for the minimum pension. It sounds like you have 10, but the DWP will know for sure.
            You can defer your pension for as long as you wish. You just have to advise them. You can opt for a lump sum, or for an enhanced pension payment.
            You will not be affected by the legislation in 2016 at all.

          • Sylvia Lee says:

            Thank you, David – that is very helpful. I don’t expect to get rich off my UK pension, but every bit will be welcome!

  239. I am currently employed in Canada, and was making Class 3 contributions until I found out I only needed to make Class 2. I honestly believed Class 2 was for the self-employed only. I have kept most correspondence over the years including one letterhead from HM Revenue & Customs with a title “Class 2 (self-employed) contributors”. On another “Enquiry Regarding UK State Pension” form, it states “please provide a Pensions Forecast for me, and tell me about my rights to pay Class 3 or Class 2 contributions.” They did not inform me about Class 2.

    In response to my letter, they stated voluntary NICs correctly paid at one rate cannot be later converted to another rate simply because the other rate is cheaper. They did not offer to reimburse my money either.

    I have since found their above mentioned letterhead and form backing up my beliefs. Can I appeal the decision, and how do I go about it? How can they justify keeping my monies that was paid in error???

    • David Morris says:

      Hello Rita, the Government does not make it easy to claim Class 2. We tell all our new members how to do it. Unfortunately, once you have paid class 3, you can’t convert. I don’t know of any mechanism of appeal, other than writing to your MP in the UK. Sorry

  240. Hello, My father recently passed away quite quickly from cancer before he was able to start collecting his UK pension. He was 64 and married to my mother for 40 years who is still alive, is there anyway for my mother to collect his UK pension?

    • David Morris says:

      Hello Ian, I would need to know your mothers date of birth to answer your question

      • My Mothers birthday is Nov 7th 1950, my father also worked for 10 full years in the UK before moving to Canada.

        • David Morris says:

          Hello Ian, yes, your mother is entitled to receive the same pension that her husband was entitled to. She should be able to start collecting it now.

  241. Lynn parrington says:

    Hi,
    I am a British citizen born October 1957, worked six years before leaving at age 25 to live abroad (U.S.A.). Am I entitled to social security?

    • David Morris says:

      Hello Lynn Parrington,
      You would be entitled to a UK state pension, if you made a few more voluntary contributions. You need 10 years, and you have 6. It is definitely worth while pursuing this, as the cost of making voluntary contributions is a small fraction of the pension you receive as a result.

  242. Susan Davenport says:

    Hi David, I was born in the UK in July 1953, I started work when 15 in July 1968 and worked till April 1973 when I moved to Australia. My husband is retired and gets the Australian pension. I am not employed. Am I elegible for any UK pension?

    • David Morris says:

      Hello Susan, you will reach pension age in march 2017. You will need 10 years of contributions to be eligible for a partial pension. It looks like you already have at least 5. The good news is that you can make voluntary contributions, and also buy back 6 years, so that you will reach the minimum level. So yes, you could be eligible for a pension, providing you make those voluntary contributions.

      • Marilyn Pyatt says:

        I am riding on the coat tails of this query as I am in the same position. Worked from age 15 to 19 before leaving for Canada. Could you please tell me how I can buy the extra years with contributions to become eligible.
        Thank you
        Marilyn

        • David Morris says:

          Hello Marilyn, the best thing you can do is join us, and we will give you a complete package of information on how to make voluntary contributions, get a pension forecast, and find out your current NI status. We are a non profit group, working on behalf of our members to get the pension they are entitled to, and get it indexed to inflation

  243. Shaughan Holden says:

    Greetings from Vancouver Island.

    Recently read your article in the British Canadian.
    I will be 65 in Mar 2018, after reading your article, I am curious as to whether I would be eligible for a UK pension and whether it would be worth my while to contribute(if possible) to the British pension, what would it cost per month and what could I expect to receive at age 65.

    Born in March 1953 ,presently 61 living in Canada, have dual nationality (UK & Canada).

    Went to university in England from 1971 till 1974.
    During the summer months had summer student jobs to help out with tuition and books etc.
    Left university and started working in geophysics with a Leicestershire company that had international offices,
    Worked with the company in the UK from (I think) early 1975 till Dec 31 1975, then left England on a work permit with the same company that had offices in Calgary, Canada.
    Arrived in Calgary January 2nd 1976 and in effect been here ever since, with occasional work stints around the world.

    I don’t presently know my National Insurance Number, is there a way that I can track it down?

    best regards
    Shaughan

    • David Morris says:

      Hello Shaughan, you will need 10 years of eligible contributions to qualify for a partial pension. However, you are able to make voluntary contributions going forward, and can buy back 6 years, so that should get you there.
      You can write to the dept of Works and pensions, and tell them where you last lived in the UK, or who your last employer was. They will be able to tell you your NI Number. Once you have that, you can make voluntary contributions. Don’t delay, as you can lose the buy back years.
      If you join us, we can help you understand how to make Class 2 contributions, which are much cheaper than class 3

  244. Hi My Mum was born in the U.K. in 1918 & worked until she married my Canadian father & immigrated in 1946. She is deceased – 2001. Would there be any entitlement of any pension that was not collected to her immediate family. Thank you.

  245. Melanie Sotnik says:

    HelIo David,
    I immigrated to Canada in 1987. I was born in Altrincham, Cheshire on June 1st, 1959 to British parents. I worked part-time summer jobs prior to attending university. I worked fulltime for 7+ years after university prior to moving Canada.
    I have since arriving here contributed to CPP.
    Am I eligible for a UK pension once I reach retirement age, 65. I have been told that as I reside in Canada I do not qualify for a UK pension.
    There is a possibility that I may retire in the UK once I reach retirement age. Would I then be eligible for a UK pension?

    Thank you…

    • David Morris says:

      Hello Melanie, living in Canada does not disqualify you for a British pension. You will reach UK retirement age in June 2025. At that time you will need 10 years of NI contributions to qualify for a partial pension. The good news is that you already have at least 7, and you are able to continue to make voluntary contributions to build up your eligible years. You can also buy back up to 6 years. If you make all the voluntary contributions you are entitled to, you could have a substantial percentage of the full pension. You should definitely pursue this

  246. I was born in Glasgow in 1960 and now live in Southern Ireland with my Irish husband. I ‘m still a British citizen. I worked from 1978 until 1986 for the NHS. Would I be eligible for a pension when I reach retirement. Thanking you.

    • David Morris says:

      Hello Anne, you will reach retirement age after 2016, which means you will need 10 years of NI contributions to qualify. You are close to that now, but you also have the ability to make voluntary contributions that will get you there, and more. So yes, providing you make at least some voluntary contributions, you are eligible for a pension

  247. Born in the UK in 1956, I accumulated 10 qualifying years of NI contributions before leaving the UK in 1982. I am now a Permanent Resident of Canada and when I retire I understand that under the present rules my partial Category A .pension will be frozen if I claim it from Canada.

    Although I have not lived in the UK for many years, I visit frequently, retain UK bank accounts, a drivers licence, etc, and use my parents’ home as my address there. Is there any legal obstacle to me claiming my UK pension and having it paid to me in the UK to avoid having it frozen?

    • David Morris says:

      Hello Nigel, you can certainly have your pension paid into a bank in the UK. Legally, to be unfrozen, you have to be deemed a “resident” of the UK for tax purposes. There are no hard and fast defined guidelines for this. The DWP look at each case as necessary. They would look at things like having an address, drivers license, credit cards, income tax returns etc. There are certainly people that do this. The DWP will decide whether you meet the criteria of residence, if they become aware of it.

  248. Anna phocas says:

    I am an Italian citizen and have lived permantly in the UK since 2000. I worked till 2002 and then had my children and was having child benefits till the rules changed. As far as I was aware my state pension was covered while I was having child benefits but I wonder if I am still being covered? How much is it to buy years? I recently started working on an off but my salary was too little to pay tax and the employer did not deduct for NI as they said I was earning too little. Is that correct?

    • David Morris says:

      Hello Anna, you are able to claim child raising years as credit towards National Insurance. Your employer is likely correct in not deducting NI if your earnings are too low, but you can make voluntary contributions. Your best bet is to contact the local office nearest where you live.

  249. I emigrated to Canada from England with my family at age 12 and have recently been told I may be able to make voluntary contributions I have never worked in England and I have 9 years until age 65. I would appreciate any information that anyone may have. Thanks

    • David Morris says:

      Hello Les, unfortunately, you need to have worked there and have a National Insurance number. You can not apply for a National Insurance number without living and working there

      • Kathy Dryden says:

        I lived and worked in England several jobs from 1972-1979. I do not know if I had a National insurance number?
        I did work at the main post office in London and also at the Royal Festival Hall as a gardener/florish, Marble Arch and
        a barmaid in South Harrow pub. I also reported a factory I worked at producing eiderdown quilts. I reported this company to the inspector of factories as the work conditions were bad and I agreed to use my name if they told me the results…. major work was required to make this factory safe for workers.
        Catherine Anne Dryden

        • David Morris says:

          Hello Kathy, I need to know your date of birth before I can tell you whether you are eligible for a pension or not.

  250. I was born in the uk in 1947 and emigrated to Australia in 1960. I returned to uk in 1972 and worked until 1977 when I returned to Australia. I turned 65 in 2012 and am still in the workforce in Australia. Do I have any uk entitlements? Thank you.

    • David Morris says:

      Hello Nobby, you certainly do. You have already reached pension age, but you only need 1 year of work in the UK to qualify for a partial pension. You also still have the opportunity to buy back a number of years to increase your pension, so don’t delay in applying. You do not have to be actually retired.

  251. Zlatko Sotiro says:

    My mother married a british citizen after many years of relationship. They married on october 2013.My mother is a russian citizen who lives in Bulgaria. We tried to make a visa couple of times but we have been rejected every time. At last we managed to make a student visa. We send the documents with the passport at march 2014. Till yesterday we didnt have any newa from the british embasy in sofia. They had to decide to give my mom visa or not in 3 weeks instead it took 2 months and we still dont know what happen to her passport. Her husband was really worried about this. He got a heartattack and died yesterday… You cant imagine what shock this is to us. I want to ask you as his widow does my mom have any rights of state pension.

    • David Morris says:

      Hello Zlatko, it will depend on a number of factors. It depends on whether her husband was collecting, or entitled to collect, a state pension. It also depends on when your mother reaches pension age. Your best bet is to contact the Dept of Works and Pensions in the UK.

  252. Terence Tucker says:

    I have recently been advised that I can get my state pension if I had worked 10 years in U.K. I reached retirement age of 65 in 2009, but continued working until 2013. I worked in England from January 1957 until January 1967 and emigrated to Canada. I have no record of employment numbers or social insurance numbers for the period of work in UK. Am I eligible for the pension and approx. how much

    • David Morris says:

      Hello Terence, based on your age, you needed 11 years to be eligible. The good news is that you still have time to buy back a few years, which will get you at least to the minimum for a partial pension. If you have 11 years, you would get 1/4 of the full pension. The full pension today is £113 a week, so you would get 1/4 of that, which is £28.25 a week, or roughly $51 a week.
      You shouldn’t delay, however, as you will lose the ability to buy back years as time goes on.

  253. claire says:

    Hi

    My husband worked in Scotland for 10 years before coming to Canada. He qualifies for a UK pension and has been paying into it for many years now. When he retires he will be eligible for 80%. I was born in Wales but never worked there and I don’t have a National Insurance Number. My question is if my husband dies before me would I be entitled to a widow’s pension, and if so what do we need to do to establish that? We have paid back to the UK pension each year instead of buying RRSP’s .

    Thank you
    Claire

    • David Morris says:

      Hello Claire, it all depends on when both of you reach pension age. If you reach pension age after April 2016, you will not be entitled to any pension derived from your husband. There will be no spousal or widows pensions after 2016. If you reach pension age before then, then you will be entitled to both a spousal and a widows pension

  254. Zena jean Giessen says:

    My parents held British passports and came to England from Kenya in 1966, both are deceased. I have a Kenyan passport and living in South Africa
    I started working in England in 1968. One year at “Home for aged Jews”in South Croydon and three years as a student nurse at the Queen Victoria Hospital in East Grinstead. I married in 1972 & left the UK, only returning on long visits to my parents & the rest of my family. As I was entitled to a British passport, I filled an application form & did all the necessary required. I then had to take the oath of Allegiance which I did but when I went to collect my British passport for some reason I did not get it!! I then hired a “lawyer” who I was informed, well versed in the above. He took an awful long time, cost a lot and I could not afford it!
    I am now 63 years old & perhaps this is a wild shot but am I entitled to any kind of pension????

    • David Morris says:

      Hello Zena, yes, based on your employment record, you are entitled to a partial pension. You only needed 1 year of work to qualify. You can also buy back some years to give you an increase. You do not need to be a citizen. You just have to have worked there. You should apply as soon as possible, so as to enable you to buy back years, if that is what you choose.
      If you join us (you can join online), we will send you a complete package of information on what to do next. Based on your age, you have already reached the retirement age, so you can either get a lump sum or an increased monthly amount

  255. Ron Duffell says:

    I worked in England from 972 to Nov 1977. I am 60 and will be 65 in Jan 2019. I am wondering what I could expect to receive at age 65 through a British Pension if eligible. I am also interested in buying back time to improve my eligibility.

    Any help, advice you could provide would be appreciated.

    Ron

    • David Morris says:

      Hello Ron, you will need 10 years of contributions to be eligible. It looks like you have 5 already. The good news is that you are able to make voluntary contributions until 2019, and you can also buy back some years. Assuming you buy back 6, and contribute another 5 going forward, you would have 16 years minimum. That will get you almost half of a full pension. In 2016, the full pension will be around £150 a week, and by 2019 it could be £160 a week (It is hard to be precise, because the amount of increase each year could be different). Roughly, every year you buy back or contribute, will get you £4.50 a week in extra pension.
      Half of a full pension in 2019 is about $6,000 a year.
      If you join us, we can help you get started. We can advise you on whether you can make Class 2 contributions, which are much cheaper than Class 3. We will also be fighting to get your pension indexed.

      • Ron Duffell says:

        Thanks David, this is helpful, I’ve joined and look forward to getting the application package.

        Ron

  256. Caroline Pennelli says:

    I have lived and worked in Canada since 1996. If I were to return permanently to the UK, would I be eligible for a state pension, based on accumulated years of work in the UK and Canada (25 years), once I reach retirement age?

    • David Morris says:

      Hello Caroline, generally yes, the Social Security convention between Canada and the UK allows periods of residence and contributions to CPP to qualify as eligible years for National Insurance.

      • Caroline Pennelli says:

        Thanks David: very helpful. Is there a website I should look at for more information?

        • David Morris says:

          Hello Caroline, you would need to get in touch with the Dept of Works and Pensions in the UK. Bear in mind that if you decide to stay in Canada, you could be eligible for both pensions, by making voluntary contributions to the UK system

  257. Hello David,
    I worked in England between 1962 – 1968 and was wondering if I qualify for an English pension? I have been retired now for three years.
    My seventy – three year old husband worked in England from 1955 – 1964 and applied for an English pension and only received 25 pence per week.
    A friend of mine who worked in England for nine years is receiving 50 pounds per week. I want to know why are there such big differences in the British pension entitlements. It’s just not fair.

    • David Morris says:

      Hello Nora, assuming you were 65 when you retired, you would not be eligible. You needed 10 years of contributions. Unfortunately, the UK Government has changed the eligibility rules a number of times, so some people ended up being penalized

  258. Chris says:

    This is a long shot. I was born in UK 1949, emigrated with family to NZ in 1957. Returned for a year to UK in 1970 and worked at various jobs during that year then returned to NZ. I have no records of employers or tax/pension contributions numbers etc. Am I entitled to any lump sum pension or any other refund now I have reached retirement age of 65 in NZ?

    • David Morris says:

      Hello Chris, you would need to find out whether you had a National Insurance record for the time you worked. You would have to contact the DWP and give them your last address in the UK, or employer name. If you do have a National Insurance number, you may be able to make voluntary contributions which could entitle you to a partial pension

  259. Petronella says:

    I will be marrying a British citizen who is currently getting a British pension. Would I qualify for a pension or a widow’s pension at all should he pass away? I would appreciate clarification on this matter. Thank you

    • David Morris says:

      Hello Petronella, it would depend on your age. Spousal pensions are being eliminated for anyone who reaches retirement age after April 2016

  260. john smythe says:

    Hello – I am a 66 year old artist living in Holland and have both a british pension and a lesser Dutch pension…I am allowed to continue to performing and earning?
    with respect
    John

    • David Morris says:

      Hello John, the British pension is payable when retirement age is reached. You do not have to stop working, or be actually retired

  261. raymond priestley says:

    Hi David
    I am a British citizen living in South Africa.
    I will be 65 on May 1st 2014.
    I worked in UK over many years,both pre-university and during university as I did a
    Sandwich course which involved periods of full-time employment with several
    companies.I also worked as a demonstrator at university while doing my PhD.
    My last job was as a lecturer at the University of Ghana,for which I received a local
    Ghanaian salary plus a top-up from the Ministry of Overseas Development.I do not
    know if the ODM paid NI.I also do not know my NI number.
    Is it worth pursuing a pension application?
    Thank You

    • David Morris says:

      Hello Raymond, most certainly it is worthwhile applying for a UK pension. Given your age, you only need 1 year of NI contributions to be eligible. You will also be given the opportunity to buy back a certain number of previous years. This is something you contributed to, and are entitled to.

  262. Jayne Bensley says:

    Hi my name is jayne, i was born in england in 1966, my parents moved to australia, when i was four years old, i have never worked in the uk, am i eligible for the english pension.

  263. Linda Jackson says:

    Hello David:

    I am a UK citizen – I worked a Saturday job from the age of 15-16. Then full-time work from age 17 – 19 when I came to Canada. I was born in 1956. Am I eligible for any kind of UK pension?

    Thanks for your help with this.

    • David Morris says:

      Hi Linda, you come under the new laws, where you will need 10 years of credits. The good news is that your retirement date will be in 2022, so you have the opportunity to make voluntary contributions. You can contribute going forward each year until retirement age, and you can also buy back 6 years. That will easily get you to the minimum to qualify for a partial pension, and more.
      This is something you should definitely pursue as soon as possible, to give yourself the maximum possible pension

      • Linda Jackson says:

        Hi David:

        Thanks so much for the quick response. I will join the Alliance shortly. Will you then send me the information I need to pursue this?
        Best,
        Linda

        • David Morris says:

          Hi Linda, absolutely.
          We will send you a complete package by email. Depending on when we get your membership application, it usually is a day or two to turn it around and send you the info.

  264. Olga Denisko says:

    I worked in the U.K. (London) from Oct 1962 to Sept 1964. Am now 74. Do have some of my work history, e.g., teaching mostly.
    Is it too late for me to apply?
    Many thanks.

    • David Morris says:

      Hi Olga, unfortunately yes. You needed 10 years of employment, and it is now too late to buy back any years.

  265. Becky Hargrove says:

    Hi David,
    My husband and I left the UK in 2002. He was born in 1967 and I was born in 1976.
    We would like to understand when we will be able to claim pensions under the new regulations coming in and what portion. Also, is it worth making voluntary contributions?

    • David Morris says:

      Hello Becky, your husband will reach retirement age in 2033. You will reach it in 2043.
      Yes, it is absolutely worthwhile making voluntary contributions, especially at the class 2 rate, but even at the class 3 rate.

  266. I was born June ’52, worked in UK part-time as a student from 1966 to 1971, then full-time from 1971 to 1977 when I went on mat leave. I always paid the ‘big stamp’ for national insurance. I then emigrated to Canada July 1980. My husband was born 1950 and worked in UK from 1965 to 1980 before we emigrated. He died in Canada in 2003 and I received UK widow’s pension for 1 year. I am now due to receive UK pension in Sept. of this year at 62 years and 3 months. Do you have any idea of how much I will receive, and do I need to apply? Thanks for any help.

    • David Morris says:

      Hello Jan, looks like you would have maybe 10 years from your full time employment and mat leave. You may also have some credits for your part time work, depending on how much you earned. Based on your full time credits, you would get about 1/3 of a full pension which is currently £114 a week. That would give you approx. £38 a week, which is roughly $71 a week.
      Bear in mind that you have the ability to buy back at least 6 more years. Each year you buy back gives you almost £4 a week, so 6 years would give you another £22 a week.
      Yes, you need to apply. We can help with that if you join us.

      • Hi David, thanks for the information. Would I be entitled to anything from my husband’s contributions? Also, when you say I can buy back 6 more years, how much would that cost me to do that?

        Thanks,

        • David Morris says:

          Hello Jan, yes, your husbands contributions may be counted towards your own Class A pension, depending on whether you remarried. You need to apply for your pension now, and make sure that they are aware of your husbands contributions. In terms of buying back years, it will depend on whether you can pay the class 2 rate, or the class 3 rate. The class 2 is substantially cheaper (£143 compared to £743) for one year. We can help you understand how to be eligible for class 2.

          • Thanks for the information David. My husband passed away in Canada in 2003 and I haven’t remarried. Would I still be able to claim anything from his contributions as he is deceased? I will be joining soon and look forward to receiving more information.

          • David Morris says:

            Hell Jan, I need both your and your husbands date of birth to answer this for you. I presume he worked in the UK ?

          • Yes, he worked in the UK from age 15 to age 30, until we emigrated to Canada in 1980. My date of birth is June 23, ’52, and his is July 16, ’50.

            I did receive death benefit and a UK widow’s pension for one year.

            I had a pension forecast done but it never referred to anything related to my husband’s contributions, only mine. They said they’d contact me 4 months before my retirement date, which is Sept. 06, ’14, but have not yet heard from them. Do you think I should try to contact them again?

          • David Morris says:

            Hello Jan, you will be able to increase your state pension based on your late husbands contributions. As you are within 4 months of retirement age, you can now apply for the pension. If you haven’t received a package from them, you should contact them

          • Thanks, David. I’ll contact them today. I appreciate all your help.

          • My application asks for the name and address of the social security authority in Canada; what do I put for that?

            Thanks,

  267. Pamela Donahue says:

    I receive a partial UK pension after making a voluntary contribution in order to qualify. I live in the United States and wonder if my American spouse would be eligible for any pension. I was born in 1949 and my husband in 1947. Thank you for your help.

    • David Morris says:

      Hello Pamela, yes your husband is eligible for a spousal pension. It doesn’t happen automatically, he has to apply

  268. Jackie Docker says:

    I am still a UK citizen, born in 1960 and started paying for my national insurance stamp in approximately 1973 when I got a school job Friday evening, Saturdays and all vacations. At 18 when I started work full time and have always contributed to NHI – I trained then worked as a Registered Nurse for the NHS. In May 1994 I came to USA and have been living and working here. I still hold a British passport, and a “green card” for USA – at moment unsure whether to apply for citizinship, would want dual if I did, but am married to an American anyway. I started work here when I arrived and have been employed ever since. Sorry to make it so long, but I want to know what I am entitled to and when and how would I go about applying for it and if I get it how do I receive it and would I have to pay taxes on it here in America. Thank you for your help, have a Blessed Day

    • David Morris says:

      Hello Jackie, you are certainly eligible for a partial UK pension when you reach retirement age, which will be in 2026. You can also increase that pension by making voluntary contributions to National Insurance to buy additional years. Any pension would be taxable in the US. It can be paid directly into a bank account in the US.
      We can help you to get started if you join us as a member

  269. Lolo Wills says:

    Hello, my husband was born in UK on 21 June, 1944 (69 years old). He worked there for 9 years and 10 months, just shy of 10 years. Would he be eligible for a partial pension and can he top it up? We are actually thinking of moving back to the UK (I am Canadian), so any additional income would help. Thank you,

    • David Morris says:

      Hello Lolo, your husband needs 11 years to qualify for a minimum pension. The good news is that he is able to buy back a few years to get him to that number. You shouldn’t delay with moving on this, as he will lose the ability to buy back as time goes on.

  270. Eddie Davies says:

    I am retired with a full state pension and I also get a pension from Holland where I worked for 9 years.My wife worked for a number of years in Holland but has not worked since coming to the Uk in 1988. I believe that part of my Dutch pension is based on my wife’s time in Holland.The question is :- Will she be entitled to a Uk State Pension when she reaches retirement age? She is currently 62.

    • David Morris says:

      Hello Eddie, yes, your wife is entitled to a spousal pension equal to roughly 60% of your pension. We can help you with how to apply for it. It must be applied for. It does not happen automatically

  271. Hello

    I am Canadian and living in Canada.

    I worked in England for 2 yrs when I was in my 20′s. In London. I had a stamp in my passport which entitled me to work there legally due to my grandparents being born in England.

    I am now almost retirement age and my enquiry is due to the fact that I would like to receive transferable pension time for this period of time I worked in England, if possible.

    Could you please advise if I would have had a social security number there, or how I go about doing this, or who I need to contact etc.

    I have no records, other than remembering a few of the names of the places i worked:

    Thanks, Dianne

    • David Morris says:

      Hello Dianne, you would need to contact the Dept of Works and Pensions to find out your national Insurance number

  272. Thomas Richardson says:

    Arrived in Canada 1952 and when I retired 21 yrs. ago from Bell Canada, I applied for B.P. and was advised I was short 2 months of the required 10 years of N.I. contributions and, therefore, did not qualify.

    I worked for the G.P.O.in Lockerbie, Scotland, from June, 1942 -1947- Royal Navy National Service 1947 – 1949 – re-employed by GPO upon Discharge in June 1949 to March 1952 when I emigrated to Canada. My date of birth May 13, 1928..

    Also my wife worked in Scotland for approx. 5 years 1946-52 – date of birth May 25, 193.

    Thank you for your comments.

    • David Morris says:

      Hello Thomas, if the DWP has looked at your contribution history, and deemed that you didn’t have the requisite number of years, I’m afraid you are out of luck. Im surprised that they didn’t give you the option of buying back some years, but it is too late now.
      Unfortunately, your wife would be in the same category. Sorry.

  273. M Abdulhusein says:

    I am a UK citizen. I had worked in the UK from 1972 to 1974 when I emigrated to Canada.I am a Canadian citizen now too. I was born in July 1945, therefore I am 68 years old. Am I eligible for a partial pension from the UK.? If yes, can it be backdated from age 65 too.
    Thanks

    • David Morris says:

      Hello Mr Abdulhusein, the good news is that yes, your retirement date was July 2010, which means you fall under the rules whereby you only need 1 year of contributions to be eligible for a partial pension. You are also still able to buy back some years to increase that pension. Any pension you receive would be backdated to July 2010, either as a lump sum or as an increased weekly pension amount. You should apply without delay. We can help you with an information package, if you join us

      • Abdulhusein says:

        Yes. However the only documentary evidence is my old expired UK passport that was issued in 1974.
        Thank you.
        Please send be the info. package.
        My phone – 519 824 8039 in case you need to contact me.
        I too have your contact from this website.

        • David Morris says:

          Hello Mr Abdulhusein, you would have to write to the pensions dept to obtain your National Insurance number, which you can do by giving them your last address in the UK, or your last employer.
          We can only supply detailed help and information to our members. I would urge you to join us.

  274. I will be 65 middle of April. Worked in N Ireland from I was 18yrs to 1988. What woul I qualify for also my common law husband worked there and could have 9yrs of contributions. If he dosent qualify qualify can he still get something as I would qualify. How do I apply.
    Thank You

    • David Morris says:

      Hello Helen, you certainly are eligible for a British Pension. Your husband is not eligible for a pension based on your contributions history, but may be able to qualify on his own by buying back some years. The quickest way to proceed is for you to join us (you can join online on this website, or call our office.) We will send you out a complete package of information on how to get started. Don’t delay, as your husband may lose the ability to buy back some years

  275. Roy lappin says:

    Thank you for your prompt reply David,one more thing it’s tax time in Canada and I would like to know if the inland revenue sends out a form telling you how much you received in pension money. I am assuming I have to declare it as income in Canada.

  276. M Sutherland says:

    I would greatly appreciate knowing whether I should pursue pension benefits in the UK. I worked part time as a student from 1970- 76 , then full time in 1977-78. I will be 60 in September 2014 and wonder if it is worth my while making an application for a partial pension ..

    Any advice is much appreciated.

    • David Morris says:

      Hello, M Sutherland, based on your age, you will reach pension age after 2016, which means you fall under the new law. You will need 10 years of contributions to qualify for a partial pension. You already have some years, and you are able to make voluntary contributions to buy additional years to get you to at least the minimum, or more. In my view, this is absolutely worth doing. The value you get from making voluntary contributions is huge.

  277. Roy lappin says:

    Hi,I live in Canada and am 67yrs old and collecting a British pension,is it true my wife, who is Canadian is entitled to claim a portion of my pension as well,thanks
    Roy lappin

    • David Morris says:

      Hello Roy, it depends on her age. If she reaches retirement age before April 2016, then she will be entitled to a spousal pension

  278. Caroline Spencer says:

    Hi,

    My mum was born in the U.K. In 1947. She moved to Ireland when she was 2 1/2 years old. Is she eligible for a state pension ?

  279. Tony W-Wilson says:

    Hello, I worked in the UK between 1972-1980. I turn 65 in July 2015. Will I be entitled to a partial pension & if so is there a quick calculation I can make to determine how much per annum?

    • David Morris says:

      Hello Tony, for every year that you get credit for a National Insurance contribution, you will get 1/30 of the full pension amount. Today’s full pension is £110 per week, so if you have 8 years credit you would get 8/30, or roughly £29 a week. Bear in mind that this amount will increase by the amount of annual indexing between now and then.
      You should know that you can also make back contributions to buy additional years credit.

  280. Brian Cox says:

    Hello,
    I worked in the UK from 1970-1986 and then emmigrated to Canada.I made a deliberate effort to top up the remaining NI contributions to the maximum so that I could claim the maximum pension abroad. I am now 60 and realise I cannot claim till 65.
    I looked on the UK pensions website for claimants resident in Canada and it seemed to suggest that if you qualified for Canadian Old Age Security the UK pension would be reduced or you would not qualify.
    Do you have any insight into this?

    Many Thanks

    Brian

    • David Morris says:

      Hello Brian, there is no restriction on the UK pension. It is not reduced in any way by any pension you may earn in Canada.
      What may possibly happen is that if your total income from all sources (including the UK) exceeds $71,592 the govt will start to clawback a portion of your OAS (but not CPP)
      If your total income exceeds $114,640, your OAS is effectively reduced to zero.

  281. Lala Espejo says:

    Hello, My father was a british citizen and worked in London from 2002-2013. He went back in the Philippines last Dec 2013 because he was suffering from Cancer and died after 3 months in the Philippines. Is he entitled to a pension? Or what kind of benefits to be claimed?

  282. antonio says:

    Hello, I am a Spanish citizen and I worked in England for 5 to 6 years
    contributing to national insurance, from 1975 to 1980. I am 57 now.
    Will I be entitled to a partial pension when I retire? I would like to join
    your organisation for asistance thank you.

    • David Morris says:

      Hello Antonio, the rules for pension eligibility within European countries are complicated. The pension systems of all European countries are harmonized, so that work experience in one country is recognized towards the pension calculation in another country in the EU.

  283. Good day

    I am a British citizen, born in UK, living elsewhere. I have a National Insurance number as l worked there for a few months. Can l start contributing to my state pension? Was born in 1966

    • David Morris says:

      Hello Hayley, provided you lived in the UK for at least 3 years since birth, you will be able to make voluntary contributions towards a state pension.
      We can help you with how to go about doing that

  284. Hi, I moved to Canada in 2004 and I reach retirement age (under the new rules) at age 65 and 9 months in May 2020. I have 30 years of NI payments. Because I come under the new rules, will I now have to pay a further 5 years of voluntary contributions to ensure a full basic pension? Thank you in anticipation of your reply.

  285. Siobhan Wrafter says:

    Hi, I lived in Lomdon from 90-94 and paid what needed to be paid. I have lived in the US since. Just wondering is there anything I am entitled to. Should I go back and work until five years heard there is something for five years. Is there a website like we have for social security where I can key in my National insurance number and see what I have to do.

    Thank u.

    • David Morris says:

      Hello Siobhan, I would need to know your date of birth to tell you what you are entitled to. Unfortunately there is no website that will let you enter your National Insurance number and give you that information.
      If you reach retirement age after April 2016, you will need 10 years, but you also have the option of making voluntary contributions to get you additional years.
      If you join us, we will give you a package of information on how to do all of that, and get started

  286. Stuart Leigh says:

    I was born in England and worked full time from 1967 to 1972 when I came to Canada. I turn 65 in March 2015. Do I qualify for any sort of pension?

    Thanks

    • David Morris says:

      Hello Stuart, based on your record, yes, you would qualify for a partial pension. You also are eligible to make “catch up” payments for a number of years, which would increase that pension.
      You should take action on this soon, so as to get the maximum number of catch up years

      • Stuart Leigh says:

        O.K. so what’s my next move?

        • David Morris says:

          Hi Stuart, the easiest thing to do is simply join us. You can join online on the website. We will send you a detailed package of info on what to do next, and how to go about making voluntary payments.
          Once you get your pension, we will also be fighting on your behalf to get it indexed to inflation.

  287. Hi David

    Currently I am 55 and will reach state retirement age in 2025 (66).

    If I deferred my state pension for 5 years, how much extra would I receive per week? I understand the basic
    pension went up to £144 per week recently?

    Also, how would I qualify for the extra state pension. I worked for 31 years and paid class 1 national insurance contributions. Since then I have paid class 2 as self employed for 5 years.

    Thanks

    Andrew

    • David Morris says:

      Hello Andrew, the rules for pension deferral have not yet been defined in the new Single Tier pension which comes into law in 2016, so I can’t answer that. The basic pension has not gone up yet, but will go up in 2016 with the new law. The estimated amount at that time is £144 a week, but that could change.
      The extra state pension is being eliminated in 2016, with the introduction of the single tier system. There are complex transition rules for people who have already built up an entitlement to the extra pension. The DWP will calculate that automatically, so you will not lose any entitlement you have built up.
      The maximum number of years you need for a full pension is 35, and the DWP recommends that you do not make voluntary contributions more than that without checking with them, as it may not give you any additional pension.

  288. Lisa Badrick says:

    Hi I am inquiring in this regard for my mother – who left the UK in 1972 at age 29 to South Africa – she worked there from age 16 – would she qualify and how does she go about investigating this? Thank you – Lisa

    • David Morris says:

      Hello Lisa, Yes, with 13 years of work credit, your mother is entitled to a British pension. As she is already past retirement age, she will be likely entitled to a lump sum payment, retroactive to her date of retirement.
      The easiest way is for you to join us. We will give you a package of info on how to go about claiming your mothers pension. You can join online on the website, using Paypal or a credit card.

  289. M McDaid says:

    Hi I worked for about 6 months in 1979 in the UK. Am I entitled to any pension and can I buy back? If so would it be better to do so before April 6th? If it is worthwhile can you sort it for me ? How do I pay to get your advice. I will be 65 on 21 July 2022.

    • David Morris says:

      Hello Mairead, to be able to make back payments, you need to have lived in the UK for 3 years. If you only worked there for 6 months, but did not live there for any other time, you would not be eligible. Sorry

  290. Amanda Watson says:

    I am an NZ citizen who worked in the UK between March 1979 and March 1987. I am currently 52 years of age and from what I have read would need a frther year of contributions to meet the new threshold for partial pension payments. As I still have 13 years of work ahead of me – is there any way of find out what level of vluntary contribution I would need to make to be eligible?

    many thanks

    • David Morris says:

      Hello Amanda, The new law says you will need 10 years. Based on your work experience, it looks like you will have 8 or 9 already (depending on the months you worked). So you will only need 1 or 2 to qualify. You can make voluntary contributions, which can be either at the class 2 rate, or the class 3 rate, depending on circumstances, (which the Dept of Works and Pensions will decide). For 2013 Class 3 rates were £705 for a year, and class 2 were £140.40, so class 2 is better.
      If you join us, we can give you a package of info that tells you how to go about getting a pension forecast, and also how to make voluntary contributions

  291. Merrilee Hilts says:

    I also worked in England in 1988-1989 for about 1 1/2 after leaving school and moving to America. I’m only 42 will I be eligible for partial pension? Is there a way I can buy into it now? Thanks

    • David Morris says:

      Hello Merrilee,
      You will need 10 years of contributions to get a partial pension, but you certainly have time enough to make voluntary contributions to get you there, and you are able to do that.
      The easiest way to get started is to join us, and we will give you an information package on what to do

  292. martin hills says:

    i worked in england from leaving school at 15 in 1964 till emigrating to new zealand in late 1973.
    i am now in the the situation of appling for the pension here, and i was asked if i am entitled to a uk pension.
    this i am not sure about?. thanks martin.

  293. Hi there,Thank you for your advise. I was born 1963 and I now only qualify for a category B pension after I re-married.

    Will this effect my husbands chance of getting a pension through mine?

    We are looking into if he can buy back a year or two to increase his contributions to 11,so he can get a pension.

    I am worried what the change are, that come into effect this year ,that means he’ll lose out?

    • David Morris says:

      Hello Josie, If you only qualify for a Class B pension, then your husband will not be eligible for a pension based on your record. He has to be eligible on his own. There are no changes coming this year, but he may lose out because the rules for buying back are time dated. That’s why you need to pursue that as soon as possible

  294. Hi there My husband was born in 1941 has lived, worked in UK. He was told he cannot have a state pension because he

    has not paid enough NI contributions I presume they meant a full pension. After reading this article I believe he would

    qualify, for a basic 1/3 pension? As to date he has not received any pension believing he would not qualify. If he is

    entitled to a basic pension would they back pay it to when he retired?

    He applied for the winter fuel allowance and he was informed that he did have 10 years NI contributions.

    I was born in UK and qualify for basic state pension. Would he qualify for a category B on the back of mine?

    • David Morris says:

      Hello Josie, given his birth year Your husband would need a minimum of 11 years of NI contributions to qualify for a partial pension. There is a possibility that he may be able to buy back a year or two, which could put him at the minimum level if he only has 10, but you need to pursue that immediately as he will lose the opportunity this year.

      He would only qualify for a category B pension if you were born after April 6, 1950.

  295. Hi David,
    My husband and I emigrated to Canada in 1973. My birthdate is Sept 1952, his is June 1951. I have 6 qualifying pensionable years and my husband has bought back some class 2 years to a total of 20 qualifying years. Our predicament is that I will now reach pensionable age at 62.5 in March 2015 however my husband will not reach pensionable age until June 2016, 2 months after the new proposed legislation is introduced. My question is – Will I still be able to claim a class B pension through my husband or should I buy back 4 more class 2 years for myself so that I will have 10 years?
    Thank-you

    • David Morris says:

      Hi Linda, as the legislation stands today, you will still be able to claim a Class B pension, under the existing rules

  296. Hi there, My husband and I emigrated to Canada in 2007. I was born in 1973 and he in 1974 we both contributed to the state pension from age 16 until we left so 18 years for me and 17 for my husband. Do we qualify for anything? Do we have to be of certain age to claim and how do we start the process?

    • David Morris says:

      Hello Jackie,
      Yes, you certainly do qualify. Both of you. You have to be at retirement age to claim. Retirement age is increasing over the next few years, so it would depend on your birthdate. For men it is either 65 or 66, for women it is between 60 and 66.
      You can continue to make voluntary contributions right up to retirement age, which will increase your pension.
      The easiest way to start is to join us. Only $25 for a family membership, and we will send you a package of information on what to do.
      We are a non profit organisation. Everybody is a volunteer. WE do this as a group to campaign to get our UK pensions indexed to inflation, and we also help people understand and claim the pension they entitled to.
      You can join online on the website

  297. Hello David,

    Could you please tell me when is my retirement date. I was born in 1954 and will be 60 years old in June 2014. I left the UK in 1991. I worked in the UK from 1971-1980. I went on maternity leave and then went back to work part time for about two years until leaving for Canada. My husband also worked in the UK for about 21 years. Could you please tell me if I am entitled to a British Pension. If I am entitled, could you please tell me the amount of pension I would receive and the options I would have regarding buying back years and making voluntary contributions and how to go about doing this. Any information is much appreciated.

    • David Morris says:

      Hello Tina,
      Your retirement date is January 2020, when you will be 65 and 7 months. (The pension age is increasing for everyone). You will need a minimum of 10 years of NI contributions to qualify for a partial pension. It looks like you have that now. You can also make back contributions, and voluntary contributions up to your retirement, so yes, you are entitled to a UK pension, and you can increase it. The exact amount will depend on the number of contribution years. The maximum pension is based on having 35 years. If you have less than 35, it is simply prorated, based on the number you do have. For example, if you have 17 years (approx. half of what you need) you will get half of the full pension. If you have 12, you will get approx. 1/3 of the full pension, and so on.
      The amount of the full pension increases every year, so you will get your partial pension based on whatever the full pension is in 2020.
      To give you an idea, when the new legislation comes in in 2016, the full pension amount is estimated to be £145 a week at that time. By 2020 it will likely be around £160 per week, so if you had 17 years of contributions, you would get roughly £80 a week ($120)
      If you join us, we will give you a complete package of information, including what to do next, how to get a pension statement, and how to make voluntary contributions
      One $25 family membership in CABP will cover both you and your husband, and we will be fighting to make sure that when you do receive your pension, it will be indexed to inflation every year

  298. Oliver Claffey says:

    Hello David,
    I will be 65 this June. I worked in the UK from September 1966 until November 1969 when I emigrated to Canada.
    I am unsure if I qualify for any UK pension. Could please enlighten me?

    Thanks,

    Oliver

    • David Morris says:

      Hello Oliver,
      Yes, you are eligible for a partial UK pension. You come under the current rules where only 1 year of National Insurance contributions is required. You also are eligible to buy back a number of years to increase that pension. This is something you definitely should consider without delay.
      If you join us, we will give you a complete information package on how to get going. We will also be fighting to get your pension indexed to inflation.

  299. John Suddons says:

    Hi David,

    I just received the paperwork to claim my British pension. I have been topping up and now see that my wife could apply for a category B pension. She was born in Canada in 1948 and never worked in Britain. Would she be eligible for a pension?

    Thanks,

    John

    • David Morris says:

      Hello John, the short answer is yes. providing you both reach retirement age before 2016, then your spouse is entitled to a class b pension

  300. Hi David

    I left the UK in 1995 after working for nearly 18 years, I am not eligible for a pension until 2027. I had opted out of SERPS so thought that I wasn’t eligible for a pension but I’ve just found that I probably am eligible for a state pension. I am going to look at buying back years but wonder if I would qualify class 2 contributions. I did leave my job about a week before I flew here but I came originally on a visitor permit and then applied for landed status. What is the criteria for establishing whether you need to pay Class 2 or Class 3? Would it still be worth it if I need to pay Class 3?

    Thanks

    Bev

    • David Morris says:

      Hello Bev, the UK does not go out of its way to make it easy to pay Class 2 contributions. Generally they want you to have left the UK within about a week of stopping work, and then to have started work within a week or so in Canada. You don’t have to have been a landed immigrant, just that you started employment of some kind.
      If you have to play Class 3, it is still financially a good deal. For what it costs you to buy 1 year, you get your money back in extra pension within about 3.5 years. If you were to buy an annuity for the extra pension amount instead, it would cost you several times what it costs to buy it on your pension

  301. Hi David,

    I was born on 16/4/1953. I lived and worked in the UK from April 1986 to March 1990. I then worked again from September 1993 to September 1997. I made NI contribution during those years. I moved to Canada in January 1998.

    Could you please tell me when is my retirement date? Am I going to be entitled to UK pension? If I do, how much pension will I receive? Do I need to buy back or make voluntary contribution in order to be entitled to any pension?

    Thanks.

    Lucy

    • David Morris says:

      Hello Lucy, your retirement date is 6th July 2016. You will come under the new legislation, which has a significantly bigger basic pension amount. You will need 10 years of NI Contributions to be eligible for a minimum partial pension. To get that, you will likely need to make a couple of years of voluntary contributions. You can increase that minimum pension by buying back some years and continuing to make voluntary contributions. Given how close you are to qualifying, it is very worth while to pursue this. A minimum pension for you would be at least £2,200 a year – or roughly $3,300.

  302. Hi I worked in the UK from December 1978 to June 1979 about 6 months. I will be 60 in 2016. Am I entitled to a pension? Can I buy back years for a partial pension?

    • David Morris says:

      Hello Mairead, if you have a National Insurance number from when you worked in the UK, you will be able to make voluntary contributions which will get you at least a partial pension

      • Thank you as it is so long ago I don’t think I have any documentation just the address where I worked and the dates!
        Can you tell me how I could get my National Insurance Number

  303. Hi there

    My birth date is April 1948 and I worked in the UK from 1968 to 1979 after which I got married and stopped working to raise our children. My husband also worked from 1978 to 1983, after which he had his own business until we left to immigrate to Canada in 1994. My husbands birthday is December 1946.

    Would I fall under the old rules since I turned 60 before 2010? Would my husband fall under the new rules since he turned 65 after 2010?

    Furthermore is it possible to get the British pension service to send us a cheque in pounds or is it better to give them our account information here in Canada and get the funds transferred over in Cdn dollars?

    Your help would be greatly appreciated, I’m not sure where to start.

    • David Morris says:

      Hello Mandy, yes you fall under the old rules – which means you needed a minimum of 10 years, which it looks like you have. Your husband falls under the current rules, which means he only needed 1 year. Both of you are also still able to buy back some years, but you need to move soon on that. The government will not send you a cheque in pounds to Canada. They will only send it to a Bank in Canada, which converts it to Canadian dollars. If you want to receive it in pounds, you have to have an address or bank account in the UK.
      If you are not receiving your UK pension now, then I think the first thing to do is join us. It is only $25 for a family membership. We will send you a complete package of information on what to do.

      • I was born February 1949. Started work when I was 15. Worked till I left to go to Canada May 5th 1972. I turned 65 Feb 3rd 2014.will I be eligible for pension from UK. Thank you Sandra Shimmon..

        • David Morris says:

          Hello Sandra, you would have reached retirement age when you were 60, in 2009, which meant that you needed 10 years of employment contributions to be eligible. You may be very close to that with your work record, but the good news is that you can buy back some years, which would be enough to qualify for at least a partial pension.
          You have to move quickly, though, as every year that goes by, you lose the right to buy back the farthest year.
          If you join us, we can tell you how to go about doing that. It is certainly worth your while to qualify for a partial pension.

      • Hi David

        Thank-you for this information. At least it puts me in the right direction. I was under the impression that I would no longer be able to buy back some years since my husband and I have both already reached the age of 65 – myself in 2013 and my husband in 2011.

        So in terms of buying back years – would we now need to contribute enough money to the government that it would make us both eligible for the full state pension? If I’ve only got 10 years of working in UK – does this mean I have to contribute 20 years worth to get to the full 30 years?

        Regards,
        Mandy