About Us
What Is a Frozen Pension?
A frozen pension is a UK state pension that does not receive the annual inflation increase once the pensioner moves to certain countries, Canada being one of them. This means that over time, the value of the pension erodes, leaving retirees with less and less purchasing power.
This policy dates back decades and affects more than 100,000 UK pensioners living in Canada, all of whom paid National Insurance contributions as did those whose pensions are fully indexed. Despite years of advocacy, this unfair policy remains in place.
Who We Are
The Canadian Alliance of British Pensioners (CABP) is a non-profit organization working to end the injustice of frozen pensions. We advocate on behalf of UK pensioners in Canada, providing both a strong collective voice in Ottawa and practical support for individuals navigating the UK state pension system.
We:
Advocate on behalf of UK pensioners living in Canada, giving them a strong collective voice with decision-makers, MPs and Peers in the UK Parliament.
Educate and support pensioners by providing clear, reliable information on how the UK State Pension works, how to apply, and what steps can be taken to maximize entitlements. From navigating pension forecasts to helping to solve payment issues, CABP ensures members have access to the knowledge and guidance they need.
CABP is an international partner in the End Frozen Pensions Campaign (EFPC) and works closely with British Pensioners in Australia (BPiA), uniting frozen pensioners’ voices around the world under the branding of End Frozen Pensions.
What We Do
Lobby government
Meet with UK and Canadian politicians to push for pension indexation.
Raise awareness
Work with media to keep frozen pensions in the spotlight and promote our cause on social media.
Strengthen partnerships
Collaborate internationally to amplify our campaign.
Support our members
Offer direct guidance, resources, and advocacy tools to help individuals with their British state pension.
Why It Matters – Real Stories
The impact of a frozen pension isn’t just about numbers, it’s about lives. Many pensioners in Canada are struggling to keep up with rising costs, having seen their pension’s value shrink over decades. We share these real-life stories with Members of Parliament to show the human cost of this policy and why change is urgently needed.
Member Benefits
Our members enjoy access to valuable resources and support, including:
Pension Information & Guidance: Learn about your state pension, how to get a pension forecast, how to apply, and how to potentially top up your pension.
Problem Solving: Support if your pension is stopped.
Exclusive Member Magazine: Justice, published three times a year.
Regular Email Updates: Stay informed on developments and campaigns.
Expert Access: Direct answers from our pension’s expert for UK state pension–related questions.
How We Help Our Members
At CABP, we know that dealing with your UK State Pension from Canada can feel confusing and sometimes frustrating. You don’t have to figure it out alone, we are here to help, every step of the way.
As a member, you’ll have access to:
Clear answers to your questions about how the pension system works and what “frozen” really means.
Step-by-step guidance on applying for your pension, getting a forecast, or topping up contributions.
Provides guidance on what to do if your pension payments are stopped, delayed, or calculated incorrectly.
Access to our pensions expert, who understands the system inside and out.
Updates that matter so you’re never left wondering about policy changes or our campaign progress.
A supportive community of people who share your experience and are working together for fairness.
With CABP, you’ll always know where to turn for reliable advice and real support.
D. Kent
“Without CABP, I would have been completely lost trying to figure out my UK State Pension. The resources and one-on-one guidance gave me confidence and peace of mind, and it feels good knowing I’m part of a community fighting for fairness.”
Board of Directors
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Edwina Melville-Gray, Chair
Chair
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David Acheson
Treasurer
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Ian Andexser
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Sheila Telford
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Rob Morris
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Peter Sanguinetti
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Gwenna Humphries
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Mick O'Sullivan
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Phil Johnson
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Mark Harding
2024/2025 Campaign Work
This past year our campaign responded to major political shifts in both the UK and Canada, focusing on visibility, parliamentary engagement, and impactful advocacy. We met with over 75 UK Parliamentarians, marked Anne Puckridge’s 100th birthday with a high-profile UK visit, and coordinated joint parliamentary letters to press for policy change. Over the past year we have engaged with four new Pensions Ministers in the UK and four in Canada, we continue urging both governments to end the discriminatory frozen pensions policy by establishing a reciprocal social security agreement.
Connect With Us
Stay up to date and help spread the word.
More than 90% of the ‘frozen’ pensioners live in Commonwealth countries, many in Australia, Canada, South Africa and New Zealand, but also India, Pakistan, Bangladesh, many Caribbean islands and all African countries. These are shaded in red in the map below. The countries where the pension is increased each year include the USA, all EU countries, Barbados, Bermuda, Israel, Jamaica, Mauritius, the Philippines. These are shaded in blue.
