Eligibility for UK State Pension

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

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

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

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

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

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

Men in this group reach pension age at 65.  Women reach pension age somewhere between 60 and 63 (as the pension age is steadily rising to match that for men).  People in this group get some pension for every year of National Insurance contributions.  A full pension requires 30 years’ contributions, and one year gets 1/30th of a full pension which currently stands at £126 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. The Class 2 option is being cancelled by the Government effective April 2019

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 2017, the full UK state pension is £8.112 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. SABRINA LAITINEN says:

    My Dad is 87 and is a British Citizen living in Canada, he worked in England and was part of the National Guard fo several years before immigrating with his British wife to Canada in 1957. I sit too late to make a claim? What does he need to do and can eligible benefits be backdated that far? Thank you

    • David Morris says:

      Hello Sabrina, your father would need 11 years of contributions to the pension system to be eligible for anything. It sounds like he does not have that, and it is too late to buy back any years now. Sorry

  2. Michele Weatherhead says:

    If I was born in the UK and only worked on and off for a short period ( about 3 years) before leaving the UK, would I be entitled to any type of pension? I am to retire in a non-EU country.

  3. I am a British/Canadian national. If you have less than 10 years of contributions in the UK (for example three), but have more in Canada (e.g. nine), based on the SSA, would you qualify for the 10 year minimum in the Uk?

    • David Morris says:

      Hello Joshie, it is complicated, but the short answer is no. If you had lived in the UK in the most recent last 10 years, it is possible that contributions to the Canadian pension scheme could be classified as contributions to the UK system, but they then would not count towards the Canadian system.
      In other words contributions towards a Canadian pension can’t also count as contributions to the UK

  4. Marie Cartwright says:

    Hello, already receive a small state pension from UK. I live in the EU and may need to renounce my British citizenship in order to remain in my country of choice. Does renouncing citizenship affect my state pension

  5. AHMED MEHMOOD says:

    hello Mr DAVID MORRIS, Sir i born in 10.03.1953 i am italian nationl i entered in uk 2014. i am working from april 2017. i just want to know if i will be able to get pension in future ,when and how much? thankyou sir

    • David Morris says:

      Hello Ahmed, as you are in the EU, your pension rights come under EU rules. I am not familiar with those, but in general, every year you work in the UK counts towards a pension

  6. David Morris says:

    Hello Nigel, yes, she will be entitled to a partial UK pension. Eligibility has nothing to do with citizenship, only contributions matter

  7. maria.kousoulou says:

    hi im maria I have worked since I was 14 yrs old born 1955 can I retire at 63 if so how do I apply please? dob 02/ii/55

  8. Gerry Arthurs says:

    Hello David, My wife has asked me to ask you a question. She reached state pension in October 2015 at age 63 and 3 months, she was born in June 1952. She believes she had accrued 41 years stamps, but believes she is getting less pension than she ought to. Do you know how much she should be getting.

    • David Morris says:

      Hello Gerry, if she is entitled to the full state pension in 2015, then she should be getting approx. 116 pounds a week.

  9. Adam Brown says:

    Dear David,
    I was born in 1962 and have worked for the last 26 years in Italy, having accumulated 9 years of contrinbutions in the UK. Can I now pay for the 10th year, and if so, does it matter when I do this, so long as it is before I retire?
    Also, is there any sense in paying for more than 10 years?
    Thanks
    Adam Brown

    • David Morris says:

      Hello Adam, as you are in the EU, the rules are different. You do not need the 10 year minimum for the UK pension. All years in any EU country towards the final pension. Having said that, I am not familiar with all the detailed EU harmonization rules. You may not be able to make contributions to the UK pension while working in another EU country

  10. Husain Salwati says:

    I have worked in UK from Dec. 2004 to July 2018 and paid state National Insurance contributions for these 13.5 years. Now I have moved to Canada. Is there any possibility of moving this UK state pension to Canada ?

    • David Morris says:

      Hello Husain, the state pension can not be moved, but it can be paid in Canada. You are certainly eligible, and can continue to make payments from Canada which will increase your pension

  11. Chislett says:

    Hi, my dad was born (01 03 1943) in Wales and then resided in Scotland where he did apprenticeships for 2 years. He relocated to South Africa where he has been for the past 40 years. How long would he have to work for back in the UK to have access to the state pension?

    • David Morris says:

      Hello Chislett, he would need 11 years of contributions to qualify. At this point, he can not make back contributions, so he would have to work the full number of years less any credits for his apprenticeship

  12. Roshan Bharaj says:

    Hey there,

    Read above information about the UK pension and wondering if I would qualify to a partial one. I worked in the Midland for a city council from 1985 to the end of 1991; for about 6 and half years. I now live in British Columbia and have lived and worked here since 1992 after immigrating from England. I will qualify to Canadian pension upon turning 65 next August and wondering if I would be entitled to a partial British pension too.

    I understand that I could make voluntary contributions to national insurance to make up for 10 years. I am wondering how much that contributions will be and if contributions are payable annually or a one time payment for remaining of 10 years for my particular scenario be acceptable.

    • David Morris says:

      Hello Roshan, you will need 10 years of contributions to get a minimum pension. You can make some back contributions for years missed, and those can be paid in a one time payment. It is certainly worth pursuing

  13. I was born in UK 1958 . I commenced work 1974 then I migrated to Australia 1981 My family returned to the UK 1996 where I work again however returned to live in Australia 1988

    Would I be entitled to a UK pension ?

    Thanks

    • David Morris says:

      Hello Brian, you will need 10 years of credits to qualify. The good news is that you can continue to make voluntary payments from Australia to make up any shortfall. If you join us, we will send you a complete information package on how to determine how many years you have, and how to make payments from abroad

  14. Hello David
    I was born in August 1954 and will be eligible for UK pension in 2020.
    I’ve been living in Australia for 15+ years, but worked many years in the UK. It says I have made 31 years of contributions.
    Last time I checked I was short of the full pension by around 20 pounds per week.
    Can I still make voluntary contributions of 4 years to get the maximum pension? Can I just choose the cheapest (oldest) 4 years?
    Thanks

    • David Morris says:

      Hi Vivienne, absolutely you can make voluntary contributions for the 4 missing years. Yes, you can choose the oldest 4 missing years.

  15. Hi

    I now live in the US and am an english nationaL. I worked in England for 20years before immigrating. I’m only 38 but in the future when retirement age kicks in would I be entitled to a pension, I was employed and contributed NI for those years.

    Many thanks

    • David Morris says:

      Hello Guy, yes you will be entitled to a partial pension based on the credits you already have. You can also continue to make voluntary payments to get you to the maximum of 35 years, which will get you the full pension

  16. Hello David,

    I am a US Citizen who lived and worked in the UK (1984-1999), paying National Insurance (I have my NI number) for at least 15 years. I moved back to the US in 2000 and live there now. I was born in 1954. Am I entitled to any benefits for paying contributions for that long? I tried to find info on the government site and tried to register but got stopped when they required a UK address.

    Thank you for any help &/or info you can provide.
    Clive

  17. Hello

    I am 52 years old. I was born in England. I worked for 3 years in England (from age 17 to 20) and then emigrated to Canada where I worked from 1989 to 2015. I have now returned to England and have been working here for 3 years so far. Am I eligible for a British and or Canadian pension. thank you

    • David Morris says:

      Hello Sharon, you would be eligible for pensions from both the UK and Canada when you reach pension age. At 52, you are not there yet

    • Pamela Spencer says:

      Good morning I would like more information about British pensions, I worked part time for 1 year and full time for 8 years between 1975 – 1984 before leaving to live in Canada.
      Thanks in advance

      • David Morris says:

        Hello Pamela, not sure what more information you are looking for. Depending on your age, you will need 10 years of contributions to qualify for a minimum pension. You may also be able to make additional voluntary contributions which will increase your pension. If you join us, we will send you a complete information package on what to do next, and how to make voluntary contributions from Canada

    • My husband and I receive a small pension from Scotland. When he received his American pension they deducted his small pension off his US pension. We thought we would get his small pension from Scotland plus his US pension. Both were social security pensions. Thankyou

      • David Morris says:

        Hello Helen, they would not have deducted his entire Scottish pension from the US pension, however they do reduce the amount of the US pension by a percentage of the Scottish pension amount. It is generally around $50 deduction from the US amount for every $100 of foreign pension, but that varies according to a complicated formuula

  18. Nolleen Lyall says:

    HI, my mom in law was born in South Africa but has a british passport, is she eligible for any pension or medicare in Australia and she is in Australia for a while. – Thanks

    • David Morris says:

      Hello Nolleen, I can’t comment on the rules in Australia about their pension system. She would not be eligible for any UK pension if she did not work in the UK

  19. Jillian Oliver says:

    Hi my Mum was born in Ireland in 1942 she then come to the UK trained as a nurse and worked for about 6 years contributing to the national insurance she then moved to South Africa she still receives a small pension overseas. She wants to return to the UK with my dad who has never worked or lived in the UK but has an irish passport. Would she be entitled to a UK pension or could she pay into pension to top it up, thanks Jillian

    • David Morris says:

      Hello Jillian, she needs 10 years of contributions to qualify for a partial UK pension. It doesn’t look like she has thaat, but it would never hurt to enquire. It is too late for her to top up any missing years

  20. Andrew Pratt says:

    Hi,

    I worked in UK in the 2000s and I have recently received a formal letter from the proper gov dept (I forget the name now) summarising my NI contributions as totalling 9 years contributions. I need to make at least the 10th year’s contribution to ensure I get something on retirement. I’ll probably make additional contributions in due course. My question now is: which class of contribution do I make for the 10th year? All I know is that Class 2 is cheaper so on the surface I should opt for Class 2 but will it affect the ultimate amount I am entitled to and what crieria do I need to meet to ensure Class 2 is the correct one? I don’t want to screw this up. Help appreciated.

    • David Morris says:

      Hello Andrew, the contribution class does not affect the amount of pension you receive in any way. They all count equally towards the pension amount. Class 2 is the way to go, but the UK is eliminating Class 2 from 2019 onwards. You may still be able to make Class 2 payments for years up to 2019

  21. The Frozen Pension issue was discussed on the BBC radio show on August 10, 2018:

    https://www.bbc.co.uk/programmes/b0bd6ygj

  22. Hi David,

    I worked 2 years in Jersey before i moved to UK in 2004, can this time in Jersey be added to my pension as working years?

    Regards
    Beata

    • David Morris says:

      Hi Beata, I do not know the answer to that. You would need to check with your local DWP office in the UK

  23. Anandlall Parsunoo says:

    Hi I worked for seven years only in the UK and contributed for the NI.
    I want to know if I can b eligible for the state pension or can I contribute for the remaining years?
    Pls let me know n thanks a lot.

  24. Susan Hawkesworth says:

    Hi David, I was born in the UK on 23/5/1959 and emigrated to Australia with my parents when I was 2 yrs old but I am looking at moving back to England or Scotland within the next 12 months. My question is if when I move back and hopefully work for the next 5yrs what sort of pension would I be entitled to and can I top up whilst I am living in the UK? Thank you for any information you can provide.

    • David Morris says:

      Hello Susan, you will not be able to top up, as you currently are not eligible for a UK pension. If you move to the UL and work there, you can build eligibility, but you cannot buy back previous years. Your pension amount is simply prorated based on the number of years worked. Foreach year you work, you will be entitled to 1/35th of the full pension at the time you reach pension age

  25. Josephine Rogers says:

    Dear David

    My name is Josephine Rogers an S.A citizen. I was married to a British citizen, we located from Germany where we met to
    S.A because he fell in love with Cape Town to cut a long story short, my husband passed away on the 8th Feb. 2017 My deceased husband date of birth 29th Dec. 1951 He had 13 working years and 6 years Apprenticeship in the UK then he moved to Germany worked there and also was self employed. My question to you is am I entitled to a portion etc. of his . pension? his also got a NI number if yes how do I go about it, will highly be appreciated My date of birth 29.03.1954

    Thank you very much
    Josephine

    • David Morris says:

      Hello Josephine, unfortunately no, you would not be entitled to any portion of his pension. The law changed in 2016, so you would have to have earned a pension in your own right

  26. Lorraine Elizabeth Armstrong says:

    Hi,
    I worked in the UK for 4 years before moving to USA. I would dearly love to move back home and am looking into the possibilities. Would I be entitled to a pension if I back pay 6 years? I also have a few working years left in me so that is another possibility of moving home sooner rather than later. Please send me whatever info you have. Thank you.

    • David Morris says:

      Hello Lorraine, yes, you can make back payments to get you to the required 10 years. If you join us, we will send you a complete peckage of information on what to do next, including how to make voluntary payments from broad

  27. Hi, I`m confused… I`ve worked for 7 seven years in UK… I logged in to my personal tax account I checked NI record and it says “summary: 10 full years” my estimate is about 51 pounds a week why it is counted as 10 years if I worked only 7????

    • David Morris says:

      hello Thomas, you may have received credits under certain circumstances. If the Government says you have 10 years credit, I would just accept it

  28. Gurmit Singh Purewal says:

    Hello I am a British Citizen and worked in the UK and have 135 contributions to my credit before 1975. i retired in 1993, and had initiated my Deferred pension claim in 2016. Was I eligible for a proportionate reduced pension in 1993?

    • David Morris says:

      Hello Gurmit, if you applied for a deferred pension in 2016, then it would take into account all prior years.
      You cannot have had 135 contributions, as it is an annual contribution eligibility.

      • Gurmit Purewal says:

        Hi David, let me clarify. I am a British citizen, and started working in 1956 to 1959, for three years consecutively. The work and pensions department confirms this and has translated 3 qualifying years to 150 contributions. Post 1959 I moved to India. I put in a claim for deferred pension in 2016, however, The department insists that as law has changed I need 10 qualifying years or 25% for a reduced pension and three years is not enough. My question is that as I fulfill the first contribution condition and have more than 50 contributions, I should be elegible for a reduced pension? Please do clarify on this. Thanks.

      • Gurmit Singh Purewal says:

        Dear David
        My Date of Birth is 26/12/1928, and to clarify further, i have been credited 3 years contributions by department of work and Pension. my request for proportionate rate of SRP was turned down by the Dept and the First Tier Tribunal, siting that i need a minimum of 25% or 10 years work contributions. My Question was if i have fulfilled the first requirement for an SRP and have more than one year credits, then should not the second condition be merely to indicate the rate or amount of pension i should get? Can the second contributing condition take over and nullify the first condition?

        • David Morris says:

          Hello Gurmit, I believe the conditions are quite clear. You needed 11 years of NIC contributions to qualify for a minimum basic state pension.

  29. O. C. Gordon says:

    My father now deceased was a British citizen, he worked in the U. K. for over 35 years. However, I have never lived nor worked in the U. K. Am I entitled to benefit from his pension. if so, at what age. How and when can I apply for same.

  30. I am a female born 17-09-1953. Before I moved to Canada at age 21, I worked in the UK for about 3 years but I am not sure exactly (could possibly be less). If what I have read is right I may be able to qualify for a partial state pension. How would I determine if I contributed the required 3 years and if so can I now purchase the missing 7 years of contributions to qualify for a partial state pension?

    • David Morris says:

      Hello Lesley, if you join us, we will send you an information package that answers your questions, including how to find out your current status, and how to make back payments. You should be able to catch up for the 7 missing years, but don’t delay

      • I just sent signed up on-line to join. I also checked on-line and my pension date was March 2018. As I have already reached my pension date can I still catch up for the missing years?

  31. Carl Burton says:

    Hello, I am a UK citizen who was born in 1955 and worked in the UK from 1970 to 1975. Since then I have been working abroad. Will I be able to receive a pension? If not and I return to the UK how many years must I work there to recieve a pension? Thanks in advance

    • David Morris says:

      Hello Carl, you will need 10 years to qualify for a minimum pension. The good news as that you can continue to make voluntary contributions from abroad. You don’t have to return to the UK to build pension entitlement.
      If you join us, we will send you a package of information on how to go about doing this. zit is definetley worth your while

  32. David
    Worked in south of Ireland for 1 year 79 to 80 and then 2 years in Northern Ireland 80 to 82. Moved to Canada in 82 and been there since. born 1955.
    Does it make sense to contribute 8 years to get to the 10 year level and how much has to be contributed in total.

    • David Morris says:

      Hello James, the issue may be that you will not be entitled to make voluntary contributions. You need to have lived in the UK for 3 continuous years AND have made 3 years of NI contributions before you are allowed to make voluntary contributions.
      It may be worthwhile enquiring to see whether you are eligible.

  33. Dear David,

    I am British and US citizen. I worked in UK for some years and then worked in US for some years and then return to UK and currently working in UK as self employed and making my contributions.

    I have contribution for 22 years in UK and I have state pension in US as well. I will be 62 years old this year and can start claiming my US state pension. I will have to wait for 4 more years before I can claim the UK pension.

    I am currently residing in UK. My question is:

    1) Can I claim my US pension while residing in UK and continue to contribute towards my UK pension? If so, how will this affect my tax return? Will this be different if I was residing in US.

    2) When I am 66, can I claim both US and UK pension in saperately in both contries? If so, how will it affect my tax return?

    Many thanks for your help

    • David Morris says:

      Hello Yusuf, I can’t help you regarding the rules for US pensions. I am not familiar enough with them. I do know that you can claim both, but I do not know the tax situation. Sorry

  34. Deborah May Coetzee says:

    Hi David,
    My mom was born 15-1-1948. Her british passport is xxxxxxxxx. they left Lusaka on 3=1=1964 for Wimbourne in Dorset. Left therein November 1964. The lived in Guernsey, Channel Islands until october 1967. I would like to know if she qualifies for a british state pension.
    Regards
    Deborah May Coetzee

    • David Morris says:

      Hello Deborah, I masked your mom’s passport number for security reasons. If she did not work in the UK for at least 1 year, then she would not be eligible for a pension

  35. Dieter Kupsch says:

    Hallo,

    I worked in England, Scotland and Wales from 1989 to 1995. Do I qualify for a Pension? My wife also worked from 1990 until 1995. Does she qualify?

    • David Morris says:

      Hello Dieter, if you are part of the Eu, then every year worked in any EU country qualifies towards a pension, so yes, your work time in the UK qualifies for a partial UK pension. I do not know what will happen after Brexit though

  36. Jonathan Fulljames says:

    Hi David,

    I retired from the UK police service in 2010 with a 25-year pension, and brought it out to Canada under the QROPS scheme. It was invested in two QROPS approved investment schemes here. Since that date, the QROPS regulations have changed and QROPS schemes do not exist in Canada. I have not touched a penny since I brought the pension out to Canada, but in 2019 I will be 55 years of age and believe that I can start withdrawing from the pension investments. My questions are:

    1. As the pension was legitimately invested in QROPS approved schemes, and have continued to be administered under the rules of the QROPS scheme, am I entitled to take 25% of the funds as a ‘tax-free’ lump sum, free of both UK and Canadian tax?

    2. As I will not have been a UK tax payer since 2010, and have lived in Canada since that date, other than notifying HM Revenue and Customs, are there likely to be any implications in withdrawing from the QROPS pension?

    3. If the answer to Question 1 is “Yes, one can make a ‘tax-free’ withdrawal, where can I find written evidence of this to present to the Canadian financial institutions (they seem to have very little idea about this themselves).

    4. Is there a firm of tax specialists with experience of QROPS in Canada that you recommend?

    Thanks for your expertise!

    • David Morris says:

      Hello Jonathan, sorry I can’t really help you. I am only vaguely familiar with QROPS. I can tell you that you are also eligible for a UK state pension as well as your police pension.

  37. Hello there,
    I am 44, originally Polish and I’ve been working as self-employed in the UK since 2009 paying NI contribution each year.
    Now I’m planning to move back to Poland, but I’d like to stay in UK pension system and keep paying NIC for several years more to get as high pension as possible in the future. How can I do that?

    • David Morris says:

      Hello Matt, your pension eligibility comes under EU rules, and I am not an expert in those. I know the pensions are harmonised, meaning you get credit for every year worked in an EU country. I do not believe you can make UK contributions while living in another Eu country, but I am not certain.

  38. Frances Collier says:

    I was born in Scotland in 1953 and left the UK at age 2 and have never returned. Would I be able to claim a UK pension?

  39. Alexandra says:

    Hello David, I am 48 years , French and I have been living and working in the UK for the past 22 years. I am thinking to leave the UK for good in 2021. What will be my rights and duties when I leave, what I can do?
    Thanks

    • David Morris says:

      Hello Alexandra, you are eligible for a UK pension based on those 22 years. If you live in another EU country, you will also be eligible for a pension from that country for any years worked there. Not sure what you mean by duties. If you leave the UK permanently, you no longer have any duties there

  40. Janette Sumner says:

    Hi I was born in the IOM 1955..lived in England .till I was 28 ,(1984) then emigrated to Canada leaving my abusive husband ,never divorced and he died in 1999. I worked on and off part or full time between 1970 untill 1984.I had 2 children 1978 and 1983. Am I entitled to any pensions at all .. a widows or UK pension? I have a NI number .I am single .

    • David Morris says:

      Hello Janette, you might be entitled to a partial UK pension. If you join us, we can give you information on what to do next, including finding out your pension eligibility.

  41. E. Roger says:

    Dear David,
    I’m a British citizen, born in 1958 ,and lived in the UK until 1982 when I went to France for employment and where I have lived ever since except for a year back in England from 1988 to 1989. Although I never worked in england my National Insurance Record says that I have 3 years full contributions which were gained as credits for periods of unemployment during the time I lived in England. I have recently applied to pay voluntary Class 3 NI contributions but my claim has been rejected and I’ve been told I’m not eligible to pay these contributions. I was told that my case does not comply with the Regulation 147 of the Social Security Regulations 2001. ( I have not had any employment for several years but am not claiming any benefits for this).
    I do not understand why I’m not eligible seeing as I have 3 years full contributions. Please could you tell me if you think they have made an error and let me know if I am entitled to pay the class 3 contributions.
    Also, I would be very grateful if you could let me know where I can find a copy of this Regulation 147 or especially the eligibility criteria for Class 3 contributions for those living in an EU country.
    with many thanks,
    E. Roger

    • David Morris says:

      Hello E Roger, the rules for pensions in the EU are very different, and I am not familiar with them. I know they are harmonised, so it may be that you can’t make contributions because you were obtaining pension credits in France.
      Unfortunately, I can’t help you any further than that. This website is really for expats to non EU countries, because the rules are so different for the EU

  42. Thomas Gerald Thompson says:

    David, I was born in 1953, I worked fm 1968-1975, left for overseas, returned to the UK and worked fm 1977 thru 2000, I have been living overseas since. I am currently living in Malaysia how do I stand with regards to my pension.

    Rgds

    Gerry Thompson

    • David Morris says:

      Hello Gerry, looks like you have at least 30 years of pension credits – maybe more. You only need 35 to get a full pension, so yes you are entitled to a UK state pension. If you join us, we can send you a complete package on what to do next.

  43. Claudia Lake says:

    Hi, I am a Canadian citizen, lived and worked in the UK from 1987 to 1988, then again from 1989 to 1992; I wonder if I might be eligible for any form of UK pension? I was born in Canada in 1958, female. Many thanks, Claudia. Also, on behalf of my elderly mother, a child refugee from Poland, who was granted asylum in Great Britain in 1946, became a British citizen, attended school and began a working life there prior to emigrating to Canada in May of 1957; we wonder if my mother is also eligible for a British pension of some sort. Thank you for any information you can provide. Look forward to your reply.

    • David Morris says:

      Hello Claudia, you will need 10 years of employment credits to qualify, but you should be able to make some voluntary contributions which should get you at least the minimum pension. Your mother may also be entitled to a partial pension, if she had 10 years of work credits

  44. Dayle W says:

    Dear David
    I was born in 1958 in the midlands and worked for govt from 1975 to 2002. When will I be able to retire and do I qualify for full state pension ? I currently live in Thailand

    • David Morris says:

      Hello Dayle, you will reach pension age in 2024.You will need 35 years for a full pension. It looks like yo have around 28 years of work credits, so you are not quite eligible for a full pension. The good news is that you can continue to make voluntary contributions from abroad, which will get you to 35. If you join us, we will send you a complete information package on what to do next

  45. Stephen King says:

    I was born in the UK in 1953 and worked there from 1975 to 1993, at which point I emigrated to Canada where I have been ever since. How much UK Govt pension can I expect to receive as of October 2018 which is my official pension age?

    • David Morris says:

      Hello Stephen, you would get 1/35th of the full pension for every year you made National insurance contributions. Looks like you have at least 18 years, possibly more, so that would be 18/35ths of the full pension. The good news is that you can still make some voluntary contributions, which would increase your pension.
      At the moment the full pension is £6549 annually

      • June Elizabeth Ann McShane (née Turner) says:

        I was born in Northern Ireland 1951 and in 1960 my parents immigrated to Australia
        I worked there but now retired and get Australia pension. I have moved back to
        Northern Ireland to live , but I don’t have a national Insurance number what can I do to get
        One please. As Australia pension goes up and down it hard to live on .Is there any assistance
        That we can get .. My parents had a national Insurance numbers so would I have been on it

        • David Morris says:

          Hello June, the only way to get a national insurance number is by employment. Without an employment record, you would not be eligible for a state pension.
          I can’t help you in terms of what other benefits you might be eligible for. I have been away from the UK for many years and am not familiar with what is available

  46. KATHLEEN KELLY_MEEHAN says:

    dont publish where do i apply 4 uk disabiliyk state pension 2 top up up/
    lived in uk 86 91 paid nins 93 94 uk disability

    • David Morris says:

      Hello Kathleen, I can not help you with a disability pension. I don’t know anything about that

  47. Hi,
    My dad lived and worked in the UK for the NHS for +-3 years from 1977-1981. DOB 12th Oct 1945. Is he entitled to a UK Pension? If yes, will he get back payment? what needs to be done? He is currently in his home country. Thank you.

    • David Morris says:

      Hello Jane, yes he should be entitled to a partial UK pension, which would be backdated to his retirement date. If you join us, we will send you a complete information package on what to do next

  48. Patricia says:

    Hi I was born in 1980 and have worked in the uk for 8 consecutive years, and have always paid national insurance, I am due to return to Spain where I am originally from, will I be entitled to a uk pension? Does it make any difference having British citizenship? Thanks

    • David Morris says:

      Hello Patricia, you do not need UK citizenship. Under current EU rules you would be entitled to a UK pension for every year that you worked there. This would be added to any Spanish pension you would be entitled to

  49. Nicola says:

    Hi there, my father is a British citizen but has been living in South Africa for many years but due to financial issues in South Africa, we are trying to understand what UK state help can be provided if we get him to the UK as we cannot provide support and living arrangements for him in South Africa. How do we go about finding more information?

    • David Morris says:

      Hello Nicola, I can’t really help you with this. You need to contact the various agencies in the UK about what help is available in the UK

  50. Bill White says:

    Hi, my name is Bill White, I moved to Canada when I was 20, I worked in the UK for 4 years, i was born in 1949, would I be eligible to collect a uk pension.

    thanks Bill

    • David Morris says:

      Hello Bill, yes, you are eligible for a partial UK pension, and can even make some back contributions to increase it. You should pursue this as soon as possible, as your ability to make voluntary contributions diminishes over time. If you join us, we will send you an information package on how to proceed

  51. Kobina Beecham says:

    Hello David,

    I worked in the UK on and off between 1988 to 1991.
    I then worked continuously from 1991 to 1996 at the now defunct Unigate.
    I then worked for a Software company in Berkshire from 1995 to 1997
    Throughout my employment in all places, my national insurance contributions were deducted appropriately

    I then left the UK for my home country Ghana and haven’t been back since.

    Question 1:- Is it possible to find out how much in National Insurance Contributions I paid in total
    Question 2:- Can I voluntarily top up my pension from Ghana every year until I am 65 to qualify for a UK pension?
    How much would I have to top up every year?
    Question 3:- How and to who do I have to pay my voluntary contributions to? Is there a website or email address that can give me step by step directions?

    Thanks

    • David Morris says:

      Hello Kobina, yes, you are eligible for a UK pension, and you can top up every year until pension age. Your best bet is to join us. We will send you by email a complete information package on what to do next – including how to find out your current level of contributions and how to make top up payments. You can join us right on this site.

  52. Jenny Lancaster says:

    Hi, I was born in the UK and studied and worked there from 1964 to 1968, then Canada for 2 years, then UK from 1970 to 1976, date of birth April 1949, Do I qualify for a British pension?

    • David Morris says:

      Hi Jenny, yes, it looks like you are eligible for a partial UK pension. If you join us, we will email you a complete information package on what to do next, including getting a pension statement. The good news is that your pension will be backdated to your pension date, which is April 2009

  53. fazal rahman says:

    i am 70 years and getting state pension 0f 53.15 per week from august 13 if i move back to uk how much pension will i get. i am living in pakistan.

    • David Morris says:

      Hello Fazal, it is difficult to advise you exactly how much you would get if you returned. It depends on whether yiou are getting a full or partial pension now.I would estimate roughly £62 a week

  54. Dear David,
    I left the UK in 2000 got married and live in USA. I will be getting my UK pension in 2022. Some people I have spoken to said I could be eligible to pay Class 2. I was self employed in UK 1991-2000 and wondered if they will let me pay for those years that I did not pay enough NI Class 2. Do you think they will let me do that? Or will I have to pay Class 3 from 2006 onwards. I have not been employment in USA. I am waiting to hear from UK about it and not heard anything yet.

    Thank you for your thoughts.

    • David Morris says:

      Hi Jayne, I honestly can’t say. The rules on Class 2 eligibility are not clear. if you have requested this from the UK, all you can do is wait and see what they say

  55. Elizabeth Milton says:

    My brother-in-law born 19 May 1942 emigrated to South Africa in 1965. He worked in the UK for 8 years but understand that you need 11 years NI contributions to be eligible for a UK pension. However, he did undertake an apprenticeship from 16 June 1958 – 18 May 1963. Could he pay the three missing years of NI contributions to qualify for a UK pension? If so, how does he go about this?
    Kind regards

    • David Morris says:

      Hello Elizabeth, he will not be able to make up any missing years, as it is too late for that. However, he may have more years than 8. His apprenticeship should count. The best thing to do is for him to contact the Dept of Works and Pensions to find out how many years credit he has

  56. Steve Denney says:

    Hello David,

    I’m British, born in Leicester.
    I’m married to a Japanese national and we have a British/Japanese son. We currently live in Japan.
    We are considering returning to the UK to live meaning my wife will need a non-EU spouse visa.

    Can she pay into the UK state pension scheme on a Spouse visa if she is working full time in the UK during the spouse visa period?
    (i.e. Can she use the 5 years of the spouse visa period to add to her qualifying years for the state pension?)

    We are already in our 40s.

    Thank you for any advice you can give.

    • David Morris says:

      Hello Steve, if your spouse works in the UK, she will be required to pay National Insurance contributions, which will count towards a UK pension. Citizenship is irrelevent. Providing she is working, she will be contributing to the pension scheme.Once she receives a National Insurance number, she will be able to continue to make contributions even if she is no longer residing in the UK.

  57. Stephen says:

    Hello David, a few questions for you:

    * I worked in the UK from 1980 until 2003 and then moved to Brasil. I am British and was born in England. Under current rules what Category A pension would i receive from an amount viewpoint once I reach retirement age?
    * Seeing as I will be entitled to a Cat.A pension would my Brazilian partner be entitled to a Cat B penson even though she has not lived or worked in the UK?
    * How can I make AVC’s to top up my UK pension?

    Regards, Stephen

    • David Morris says:

      Hello Stephen, its difficult to give you the exact amount, as it will depend on the pension amount being paid when you reach pension age. Assumin you have 23 years of contributions, you will get 23/35ths of whatever the full pension is at the time. If you make AVC’s, then the amount you will receive is simply prorated. You get 1/35th of a full pension for every year you contributed.
      If your partner has not yet reached pension age, then they will not be entitled to any CATB pension. The rules changed in 2016. They will only be entitled to a pension in their own right, based on working in the Uk.
      If you join us, we will send you a complete package of information on how to make AVC’s, apply for a forecast and other useful information

  58. Raymond Phillips says:

    Hi David I was born in England 1953 but moved to CANADA in 1980 I worked about 7 to 8 years before leaving am i entitled to a pension also was in the Army if so how do I go about getting it as I am almost 65.

    • David Morris says:

      Hello Raymond, you will need 10 years to qualify for a minimum pension. Any time spent in the army will count towards that 10 years. The good news is that you can still make catch up contributions from Canada which will add to your pension amount, and ensure that you meet the minimum 10 years (if you haven’t already). I suggest you join us, and we will send you an information packege on how to get started,including how to apply, and how to make voluntary contributions

  59. Paul Henry says:

    please be so kind as to send a package with retirement information, i worked in the UK from 1980-1984 and emigrated to the USA a year later. I paid NI payments. I was born in 1964 and would like information.

    • David Morris says:

      Hello Paul, If you join us, we will send you a complete package of information. We are a not for profit group supporting expat British pensioners, and campaigning the UK Government to provide annual indexing. You can join right on this site, and we will send you an email package within a few days of your joining

  60. helen Addison says:

    Hello I was born in August 1952 but have only 20 qualifying years of contributions. I have delayed taking my pension because I was informed that I would get more the longer I waited ,is this true /?

    • David Morris says:

      Hello Helen, yes, your monthly pension amount will be bigger if you delay starting your pension.It increases by approx 5.8% every year for each year you defer it

  61. Dear David,

    My mother in law was legally married to a British National, and her husband is now a pensioner of UK. They are now residing here in the Philippine. They live together for more than 20 years, however, my mother in law did not acquire British Citizenship, she neither lives in England for so long, she just visited there once and never go there again. Sir, my question is if her husband died, may the pension of her husband who is currently receiving pension be transferred to her? Considering that by law my mother in law is one of her surviving and legitimate heirs.

    Hoping to hear from you soon and thank you very much for your time.

    Sincerely,

    Lyka

    • David Morris says:

      Hello Lyka, it depends on your mother in laws age. if she reached pension age prior to April 2016, then yes, she would be entitled to some or all of her husbands pension. If she reached pension age after thant, then she would not be entitled to anything

      • Dear David,

        Hello again! Just a follow up question, what if my mother in law acquires British citizenship, will she be entitled for the pension?

        Thank you very much, this site is very useful for every one, especially for us who have no knowledge of British laws and policies.

        Sincerely,

        Lyka

        • Dear David,

          Hello again! Just a follow up question because my mother in law is just 59 years old this year and I believe she will not be entitled to the transfer of pension, what if my mother in law acquires British citizenship, will she be entitled for the pension?

          Thank you very much, this site is very useful for every one, especially for us who have no knowledge of British laws and policies.

          Sincerely,

          Lyka

          • David Morris says:

            Hello Lyka, unfortunately no. Citizenship is not relevent. She has to have worked in the Uk to qualify

  62. Norman Strongbow says:

    How do you enter banking details on UK state pension application?
    Is the pension wire transferred or electronically deposited.
    Wire transfer incurs a cost with Canadian bank of around $14 to $17.
    Here is how my friend filled out Part 9 of State Pension Application –
    (He has received his pension for the last 3 years with no bank charges in Canada)

    Account Number:
    7 digit number

    Account Type:
    1 digit number (0 for chequing; 1 for savings)

    Branch/Bank Code:
    5 digit number (Bank Transit Code)

    International Bank Account Number:
    left blank

    Bank Code:
    3 digit number (identifies the actual bank)

    • David Morris says:

      hello Norman, the normal process for pension payments in Canada is via electronic direct deposit. You do not require wire transfers.All you need to do is complete the banking information in the application form

  63. Ned Flanders says:

    I am a male receiving a state pension as a British Citizen born in England in 1951. My sons want to get Irish Citizenship because of Brexit and as my mother was Irish I have been thinking of becoming a dual national or Irish Citizen myself.

    Will this affect my pension or other benefits that I currently get?

    • David Morris says:

      Hello Ned, citizenship does not affect your pension eligibility. I can not speak to any other benefits, but certainly state pension is not affected

  64. Rebecca Ellen Baden Powell says:

    Dear David,
    I was born in 1962 in the UK. I had two children there. I worked with p.a.y.e. for a short time with several jobs and left in 1991 to Ireland. I was a Royal Naval wife for around 8 years. Am I entitled to anything?
    thank you.

    • David Morris says:

      Hello Rebecca, as you live in Ireland, you come under EU rules for pension eligibility. I am not familiar with EU rules. You would need to check with the pension dept in ireland. I also can’t comment on your eligibility for a Naval pension. You would need to contact the Royal navy pension administration for that

  65. MandyTredoux says:

    Hi, I was born in the UK in 1964 and immigrated to SA with my parents who have now returned to the UK. I have never worked in the UK and would like to know if it is possible to pay a lump sum voluntary contribution for the minimum 10 year contribution (or more) and continue paying contributions in order to qualify for state pension ? I am considering moving back to the UK in the future, if I do would that make any difference to whether I would qualify or not and if I decided to remain in SA would I still qualify if I made voluntary contributions ?
    Thank you
    Mandy

    • David Morris says:

      Hello Mandy, you cannot make contributions unless you have a National Insurance number, and you cannot get an NI number unless you worked in the UK. If you go back to the UK and work, you would get an NI number and would make contributions going forward, bu would not be able to catch up prior to that

  66. Susan Rutherford says:

    Dear David,

    I was born in England Dec 24th 1950 and worked from June 1966 to Aug 1972 at which time I emigrated to Canada.
    I’m wondering if I’m entitled to any pension from England and if so how to go about applying for it.

    Thank you
    Susan Rutherford

    • David Morris says:

      Hi Susan, yes, you are entitled to a partial UK pension, which would be backdated to 2011. Your best bet is to join us. We will send you a complete information package on how to claim your pension

    • i was born in u.k. in 1940……then worked for 4 years later in life before going to canada…..also was resident in u.k. for about 3 years at one point later in life.

      would i get a u.k. pension if i applied, and woul i be able to contribute to make up the lost time.

      thank you

      • David Morris says:

        Hello Rebecca, you needed 10 years of NI contributions to qualify. It does not sound like you have that, and you are too late to make up any contributions. Sorry

  67. William says:

    Hello David

    My mother in law has got 26 qualifying years and will turn 70 this year. She has not yet started drawing the state pension and is still working. She would like to retire this year. She may be able to claim additional years she missed looking after her children, however, she did not draw child benefit at the time. What proof would be required to make these claims as they are not currently showing on her record?

    Also given that the pension has been deferred and will have increased, how is it calculated. ie is it 10.4% x 10 years or 1.104^10 compounded.

    Many thanks for you help

    Will

    • David Morris says:

      Hi Will, sorry for the delay. I missed this one. In terms of child rearing credits proof, I can’t honestly say. You would have to contact the DWP for this.
      You raise an interesting question about the deferment calculation. It isn’t clear from the DWP website. I suspect it is 10.4% for each year deferred, so the calculation is more likely to be 10.4% x 10, rather than compounding

  68. Velika Koleva says:

    Hello.I am from Bulgaria and get pension from there at the moment after 35 years work there. Now I live in England permanent from 1 year to my dauther. I would you ask do I can to start to get any supplement to my pension from England?And how to apply for it?Thank you.

    • David Morris says:

      Hello Velika, I am not familiar with the rules that apply to people living in the UK. I can only provide information on the state pension to people living outside of the UK

  69. Hi, I acquired British nationality automatically at birth due to my Father who was born and raised in the UK. I reside in SA. Do I qualify for a British Pension?

  70. Hi
    I am 65 next December.
    I worked in UK between 1974 and 1980 and then moved to Ireland and worked there from 1980 to 1995.
    I moved back to UK in 2000 and have lived here since , however have not been in employment.

    Can I receive a UK Pension ??

    • David Morris says:

      Hello Peter, you come under EU rules for pensions, and I am not familiar with all the details, but essentially yes, you are entitled to a pension for every year you worked in any country in the EU, including the UK

  71. Mark Richardson says:

    Thanks for an interesting site. I am a UK citizen born in 1963. I worked in the UK from 1986 after leaving university util 1995 when I left for the US where I have been ever since. I am now married to a US citizen, with children here, but am still a citizen of the UK, not the US.

    If I understand what I have read, I need to make 1-2 years of contributions in order to pass the 10-year threshold, and at that point I’ll qualify for a minimum UK pension. I do have a couple of questions:

    – Do I need to return to the UK to live at all to be able to claim this pension?
    – If I make voluntary contributions each year from now for the next 10-12 years while I am working, does that increase the annual amount I could receive upon reaching the retirement age (which I believe will be 67)?

    • David Morris says:

      hello Mark
      1. You do not need to return to the UK. Your pension can be claimed and paid anywhere in the world.You can also make voluntary contributions from anywhere in the world
      2. Yes, every year you make a voluntary contribution adds to your pension. It is a simple prorating. You need 35 years for the maximum pension, so every voluntary contribution gives you 1/35 of the full pension amount

      • Mark Richardson says:

        Thank you for this information David. I do have a supplementary question.

        While it seems strange to me, I have read somewhere that my wife – a US citizen who has spent time but never worked in the UK – is entitled, as my spouse to some form of UK pension as well. This doesn’t really seem right to be honest but do you know if there is any substance to this?

        Thanks again,
        Mark

        • David Morris says:

          Hello Mark, it depends on your spouses age. Ih she reaches pension age after April 2016, then she would have to earn a pension in her own right. If she reached pension age prior to that, it is possible that she may qualify for a percentage of your pension

  72. Brigitte Lawrie says:

    Hi. My husband was born in Glasgow, Scotland in 1959, and his family came to South Africa to work when he was about 4 years old. When he was 21 he returned to the UK and worked for +- 4 years and then returned to SA. He does not have SA citizenship and is classed as a permanent resident. He is not eligible for a SA old age pension as a non citizen. Is he eligible for a UK old age pension when he reaches 65? If not would his only option at the age of 65, be to return to the UK to remain for the rest of his life and then apply for benefits? I know his Mom who is also still living in SA receives a UK old age pension. Any advice you can offer would be appreciated.

    • David Morris says:

      Hello Brigitte, your husband will need 10 years of contributions to the pension scheme to be eligible. The good news is that he can make pension contributions from abroad which will get him at least to the 10 he needs. This is a good deal, so he should pursue it. If you join us, we will send you an information package on how to get a pension statement, and how to make contributions from abroad

      • Brigitte Lawrie says:

        Thanks David how do we join? Also how do we find out exactly how many contributions he has made to date?

  73. Doug Craig says:

    Hello David,

    I am resident in the USA, and have been for 30+ years. I served on the Royal Navy from 1965 to 1975. Former naval colleagues think I should be able to get a state pension (didn’t serve long enough for RNP). I paid NI during my service term, and also for a couple of years before going overseas. I was born in March 1948, and have therefore just turned 70.

    Any ideas as to what I should be claiming, if anything? Also, are pension payments back paid to age 65? (Worth asking)

    Thanks

    Doug

  74. Hello, my father in law is Polish and worked in the UK for 9 years (he’s got 9 full qualifying years of NI contributions). Born on 4/04/1952 and reached pension age on 4/4/2017. Unfortunately he moved back to Poland a year earlier, so his last qualifying year was 2015/16. We asked HMRC if he cHello, my father in law is Polish and worked in the UK for 9 years (he’s got 9 full qualifying years of NI contributions). Born on 4/04/1952 and reached pension age on 4/4/2017. Unfortunately he left back to Poland year earlier, so his last qualifying year was 2015/16. We asked HMRC if he could pay voluntary contributions for 2016/17 so he could have 10 years and some partial State Pension, but we were told that the last year ould pay voluntary contributions for 2016/17 so he could have 10 years and partial State Pension, but we were told that the last year one can pay voluntary NI contributions for is the YEAR BEFORE the year they reach state pension age. In this case – he can’t as he was born on 4th April 2017. If he was born 2 DAYS AFTER that date, it would be possible.
    Is there anything we could do to pay for that one year so he would qualify for state pension?

    • David Morris says:

      Hello Gosia, if your father in law moved back to Poland, then he will be entitled to a pension based on every year he worked in the UK. The 10 year minimum rule does not apply if you are a citizen of the EU

  75. Hi

    I have only lived in the Uk for the last three years and have been contributing to National Insurance. How many years do I need to contribute to claim a state pension and can I add to the fund if need be?

    • David Morris says:

      Hello Gail, you will need 10 years, and yes, you can continue to make voluntary contributions from abroad. I do not know the rules about contributing if you are still in the UK, but not working

  76. Carlos Mauricio Matos Morgado says:

    Hello!
    My father is portuguese, and worked and lived in UK (Scotland) from 2003 to 2011. He was born in 1952. Is he entitle to receive a state pension from UK? Even if he was not completed 10 years of contributions.
    Thanks for your time.

    • David Morris says:

      hello Carlos. You don’t say where your father lives. If he lives in the Eu then he is entitled to a UK pension based on the years he worked there. Otherwise he will need 10 years of contributions. The good news is that he can make back contributions for missing years, which will get him to the minimum he needs

  77. Julian Jordan says:

    Dear David
    My father-in-law (DOB 1/10/37) has retired to his native country of Trinidad and has been receiving a UK state pension since he reached retirement age. As I understand it, he spent around 15 years of his working life working in the UK (through the late 1960s/70s/ early 80s) and paying NI. He has recently been on the phone telling us he’s received a letter telling him that all his pension payments are going to cease. This is obviously of great concern; we’ve asked him to mail us a copy of the letter but this will take some time to cross the world. He’s not in great health, and having him read the letter to us over the telephone proved impossible; it took many minutes just to communicate our postal address… While we wait to read the letter for ourselves, I found your website and wondered if you were aware of any scenario in which a UK state pension would be happily paying out and then suddenly stop? This seems to defeat the whole concept of a pension? We’re hoping that my father-in-law has somehow got the wrong interpretation of the situation.
    Thanks for your help, Julian

    • David Morris says:

      Hello Julian, almost certainly what has happened is that he would have received something called a Life Certificate. This is sent out by the pensions dept to overseas pensioners on a random basis. The pensioner has to get someone to sign it and return it to the DWP to confirm he is still alive. If the DWP do not receive it in time, they stop the pension payment with no further notice. The good news is that they will restart it, and make up the payments missed, once he submits the signed life certificate

  78. Graham Maggs says:

    I was born in the UK in 1957 and worked full time in the UK from 30/6/1975 until 4/6/2005. I have been working and living in the USA since 2005. When I reach 65 can I claim a UK pension and have it paid into my US Bank account. Can I continue working full time in the USA while getting a UK pension?

  79. Hi David,

    Thank you for the article.

    I paid 30 years qualifying NIC contributions up until 2010/11. I was then told that I had qualified for a full UK State Pension.
    I now gather I must pay another 5 years worth. I am 53, live in South Africa where I have been resident since 1997. I worked in the UK until May 1995. I was then employed from May 1995 until 2002 and started my own company where I am an employee. Question: Can I pay Class 2 NICS which are cheaper or must I pay Class 3 NICS?
    There is quite a difference!
    I look forward to hearing from you.

    Kind regards,

    Piers

    • David Morris says:

      Hello Piers, the rules are not well defined. You basically have to apply for it. Generally, you can pay Class 2 if you worked in the UK right up to the time that you left, and then started work in SA as soon as you arrived. To be honest, they don’t make it easy to apply for Class 2, but you might as well give it a shot.
      If you had been paying Class 3 from abroad up until now, you likely will have to continue

  80. Sam Jones says:

    Hi There,

    I worked from 1982 to 1990 in the UK and then moved to Canada. I was employed full time during this time, will I be eligible to claim for a pension. Thanks!

    • David Morris says:

      Hello Sam, are you talking about a Canadian pension or a UK pension ? Also, I need to know your date of birth

      • I worked full time in England fOr 7 years then emigrated to Canada in 1991. Which form do I have to fill in to find out how much it will cost me to buy back time and hopefully get a minimum pension? I am 63 yrs old .

        • David Morris says:

          Hi Janet, we can help with this. If you join us, we will send you a complete information package on how to make contributions from abroad, how much it will cost, and how to apply. Plus lots of other useful information

  81. MR SK OMOLE says:

    Hi, my name is Sylvester I am 57yrs old I am a naturalised british . I have worked for 12yrs paying NI,and I think I will be able to get the state pension when I am 65yrs old, I still have 8yrs more to get to 65yrs as at today, but I want to go away from uk for good.Pls tell me the amount to add to my already paid NI, for the next 8 yrs when I will be 65yrs so that I an pay it in ahead in lump sum so that I will be able to get the state pension as from year 2028. I was born in 1961.Thanks

    • David Morris says:

      Hello Sylvester, you can not make advance lump payments for future NI payments. What you can do is make payments from abroad each year

  82. Hi there,

    I worked in London for several years (I’m Australian) before returning back to live in Australia. Am I eligible or qualified for pension? Or is it a minimum 10 years of work?

    Thanks

    • David Morris says:

      Hello Eliza, it really depends on your age as to whether you need 10 years or 1 year.. Be aware that if you do need 10 years, you can continue to make National Insurance contributions from abroad, until you reach pension age. That will get you at least the minimum pension

  83. Hello David,
    My parents came to UK on a working visa in 2004. My dad year of birth is 1951

    My dad has worked in the UK from March 2004 to March 2007 on a work permit. He then worked in Dublin from March 2007 to December 2007 or January 2008
    He then got a work permit for New Zealand whereby he worked there from 2008 to 2010

    My questions
    1. Dublin then was still part of EU, right ?
    2. Does that mean he can combine his UK & Dublin contribution period?
    3. I read on the GOV.UK website that The UK has social security agreements with New Zealand &
    If you live in one of the following countries and receive a UK State Pension, you will usually get an increase in your pension every year:
    •Barbados
    •Bermuda
    •Bosnia-Herzegovina
    •Jersey
    •Guernsey
    •the Isle of Man
    •Israel
    •Jamaica
    •Kosovo
    •Macedonia
    •Mauritius
    •Montenegro
    •the Philippines
    •Serbia
    •Turkey
    •USA

    4. My parents do not hold a British Passport nor Permanent resident, will they still qualify for the state pension?
    5. My mother has worked from October 2004 to October 2007, I understand its less than 10 years contribution & she is born in 1962. Is there a way to combine my mum’s dad’ contribution together so they can benefit a joint pension? A per law , husband & wife are one, right?

    • David Morris says:

      Hello Dee, lots of questions.
      1. You cannot combine contributions between spouses, although your mother still has the opportunity to make further contributions to get to the 10 years.
      2. Pension eligibility has nothing to do with citizenship, only contributions to the pension scheme matter
      3. You father can combine EU and UK periods for eligibility towards an EU pension
      4. If you live in New Zealand, you do not get an increase in the state pension

  84. Hi David,

    I was borne on the 19th May 1951,

    Will I be illegible for the UK State pension on the old or new rules.

    Old up to April 2016 new rules past April 2016

  85. I was born in the UK and started working full time in August 1977. I left the UK permanently migrating to Australia in October 1988 and have lived and worked in Australia permanently since then.
    Accordingly I was working in the UK between August 1977 and October 1988. Though i spent one of those years travelling in Australia from November 1983 til November 1984 (so was outside of the UK) and one year studying full time in the UK between September 1987 and October 1988. Might I be eligible to a UK state pension based on this?

    • David Morris says:

      Hello Mark, you need 10 years of NI Payments to qualify, so you are likely very close, or have already qualified. You do get credit for certain periods of education. If you have not already qualified, you can certainly buy back any years you need. If you join us, we will send you a complete information package on how to find out your eligibility, and how to make any back payments.

  86. linda greenberg says:

    Dear David,
    I was born in the UK on August 31, 1947 and lived with my parents there until we all moved to Kenya in about 1956 and subsequently to South Africa in 1960, where I have lived ever since. I now have two adult sons who live and work in the UK and would like to move back there to live with them. Do I qualify for a pension?
    Many thanks, Linda

    • David Morris says:

      Hello Linda, you would not qualify for a state pension, as it is based on years worked. You may qualify for other Government benefits, but to be honest, I don’t know what the rules are for all other benefits

  87. John Garside says:

    I am 93 years old, was born in Greetland, Yorkshire on January 16, 1925. Before I joined the Royal Navy in 1943, I worked in a men’s store for about a year. In any case, I served as a Royal Naval Gunner on a series of Merchant Marine Ships during WWII and was discharged in 1946 having spend a while getting back to England, from Australia, after cessation of hostilities. I have inquired before about a pension and had no luck but saw your notice and thought I’d give it another try. I also worked for a year or two after returning to the U.K, before I emigrated to Canada in the summer of 1948 and where I lived until 1966 when we left for the USA. We returned to Canada in 1990 where we have lived since.

    • David Morris says:

      Hello John, based on your age, you needed 11 years of NI contributions. It does not look like you have that. Sorry

  88. we came to Canada in 1979 aged 23 and 25, from UK, and been here since. we worked and were students for 3 years too. is it worth both of us applying and buying back the time? would we really still get something? Born 55 and 53.
    I have my NI # but I am pretty sure my husband wont!

    • David Morris says:

      Hello Moira, yes, I believe buying back, and continuing to make contributions is a great financial deal. You will need 10 years of contributions to qualify for a minimum pension, so you may not have many years to go for that. From a pure financial perspective. it is definitely a good investment.

  89. Hello
    My mother was born in 1935 in Ireland and is regarded as a British subject under the British nationality act. She worked in London for three years between 1953 and 1956. Is she entitled to any form of pension for this? She is not entitled to an Irish pension as she never worked in Ireland.
    Many thanks.

    • David Morris says:

      Hello Clare., your mother would need 10 years of NI contributions to qualify. Unfortunately, she does not qualify. It has nothing to do with citizenship, only years of contributions to the system

  90. A K Bandyopadhyay says:

    I lived continuously in UK from May 1974 to Jan 1978 and Worked at one Univ (under then SRC) from Feb 1977 to Jan 1978 and made NI contribution for 12 months. Now, I am 67 years (& 8 months) old leaving in India. Am I eligible for Pension from UK?
    What about my USS Contribution? Pl also give me a e-mail ID so that I could send the documents. Thanks & regards
    Prof (Dr) Asis K, Bandyopadhyayay

    • David Morris says:

      Hello A.K, if you were born after April 1 2010, then you only needed 1 year of work contributions to qualify for a minimum pension. If you join us, we will send you an information package on how to apply. You will also be able to make some back payments to buy additional years of pension eligibility

  91. I was born in London and was 1 year old when my family moved to Canada in 1965. I returned to England when I was 13 in 1977 and worked there until December 2002. I have 21 or 22 years employment history in the UK.

    What sort of pension would I be entitled to? I am thinking of moving back to the UK and I will most probably have a further ten year added to the 21 before I retire. I have a 15 years built up in Canada so I am not sure what would be best, stay in Canada to get the 20 years or move back and add to the UK fund?

    • David Morris says:

      Hello Kevin, you can actually get both. You can continue to make contributions to the UK system while still living in Canada and building up eligibility for a Canadian pension. If you join us we will send you an information package on how to make additional contributions

    • ACD Haseldine says:

      I am aow in 66 yo British Citizen but am living in SA and have never worked in the UK. I would like to retire in the UK but would I be able to be eligible to a Pension and how much. My Farther worked for the Grenider Guards and my Uncle was a Major with he British Guards.
      You reply will be greatly appreciated.

      • David Morris says:

        Hi Tony, to qualify for the UK state pension, you have to have worked in the UK. It is not based on citizenship

  92. Hello, I am a member and have gotten my record from the UK. I have 19 years of NIC’s before leaving the UK for Canada in 1997. My record states that I can make voluntary contributions back to 2006, but they are all Class 3. I was working directly before coming to Canada and started working a few weeks after I arrived. My question is should I ask if some of those payments should be Class 2, or is it not likely that I am eligible for the lower rate?

    • David Morris says:

      Hi Debbie, thanks for your support. You can certainly apply for Class 2 treatment. the rules aren’t well defined, but generally if you were working in the UK up until the time you left, and started working in Canada on arrival, you would qualify for Class 2. The problem is they don’t specify the exact details, nor do they make it easy to apply. You have to write a letter to them requesting Class 2 eligibility, stating that you worked in the UK up to the point of departure and that you started work in Canada within a very short period on arrival.

  93. Brian Osler says:

    I was born in England in June of 1951, worked on and off from the age of 16 until 27. I was then offered a job in the USA, which I took and have been living here ever since. My question is: would I be entitled to any English pension?
    If so, how do I go about claiming it? I have been trying to find this out for months with no success.

    • David Morris says:

      Hello Brian, yes, you are entitled to a partial UK pension.
      If you join us, we will send you a complete package of information on how to apply. You are also still eligible to make some back payments which will increase that pension. We tell you how to do that too. You can join securely right on this site by clicking the link below and following the instructions

      https://www.britishpensions.com/joinrenew/

    • Kee Lang Teo-Macdonald says:

      Hi, I worked in the UK for 8 yrs, and have since found out that I am eligible to make voluntary contributions (born in 1954) for the 2 years shortfall. I’m in the process of filling out the “Application to pay NI contribution abroad”, and I’m wondering if you can advise me, as to the most convenient/economical way to make payment in Sterling? Unfortunately, my bank does not provide Direct Debit internationally, nor do they issue Money Order as they move into the electronic age. Thank you.

      • David Morris says:

        Hello Kee Lang, this is something you have to take up with your bank. Most people use an International Money order. If your Bank does not provide that, then you need to ask them how to pay something in Sterling

  94. Peter Day says:

    Good morning
    I am a British citizen but have never worked in the UK. My parents moved to South Africa where I grew up and worked. I now live in Malta. I am on the reciprocal health agreement here but because I do not have a British pension I am unable to get an S1 form and therefore although a I get full medical treatment paid for by the British government this does not include medication.
    If I lived in Britain I would get the medication free (I am 74 years old). Can I make a contribution for a minimum pension although I do not have an NI number?

    • David Morris says:

      Hello Peter, no – without an NI number you cannot make any pension contributions. You also cannot get an NI number at this point

  95. Geraldine Toner says:

    HI,

    I was born in N. Ireland in 1963 and worked for 5 years from 17 years old to 22 years old. I moved to live in Canada and in 2007 went back to N. Ireland and lived for a further 3.5 years, 3 of those I worked and paid my contributions before returning back to Canada. Do I qualify for a partial UK pension?

    Thanks
    Ger

    • David Morris says:

      Hello Geraldine, you will need 10 years of pension contributions and are likely already eligible, or very close. You can make additional contributions from Canada which will get you to 10, or more.
      If you join us, we will send you a complete information package on how to get started, determine your current eligibility, and make additional contributions

  96. Cristina Domingos says:

    I have worked in the UK since February 2013. I am a 27 years old Portuguese national and intend to move back to Portugal around 2021 where I will work then possibly until retirement age. Will I be able to get any partial state pension for the years I have lived and worked in the UK? I realise it will be less than 10 years and don’t want to loose the right to a state pension from UK. Would it be worth staying in the UK until I work for 10 years or will it count the years I worked before and after living in the UK for those 10 years? I would have worked about 8 years. Can I pay for the last 2 to have the right to the partial state pension from UK or how would it work best? Thank you very much.

    • David Morris says:

      Hello Cristina, under current EU rules you do not need the 10 years to qualify. Every year is counted. What happens after Brexit I have no idea.

  97. Gillian Reischl says:

    Hi – I was born in October 1957 and emigrated to Australia in 1976. I only worked for 2 years after I left school, can I pay 8 years to get upto 10years to be able to receive a pension once I turn 65?
    Thank you for your time

    • David Morris says:

      Hello Gillian, absolutely you can make additional contributions. If you join us, we will send you a complete package on how to do that

  98. Hi there 🙂 I need a help about state pension ,

    The situation is, my dad was worked 8 years in UK and then he came back to Turkey so he is 65 years old now and he has a chance get a pension because of his age in UK if my dad will be pay 3 years missing to complete 11 years. Anyway my main question is, if my dad will get a pension from UK per month, he will have a any chance to being UK citizenship.Thanks a lot for now. Im so appreciate if you can help about.

    • David Morris says:

      Hello Emre, I am afraid I can not help with your question about citizenship. I do not know what the rules are. I do know that pension eligibility has nothing to do with citizenship.

  99. Dear David
    I was born in UK & worked for 8 years before emigrating to Australia. I was originally told I would be eligible for a small UK pension from March 2018. I understand I now need 10 years before I can claim a pension. Is it too late to catch up on the lost 2 years before March 6th.
    Thanks Hazel

  100. Karen Murray says:

    HI
    i left Scotland at 16 never worked at all
    was wondering if i can get pension
    and how to find out if i need to pay something or not

    • David Morris says:

      Hello Karen, if you have a National Insurance number, you might be able to make some contributions. I need to know your date of birth

  101. Beth Gordon says:

    I was born in the UK in 1954, finished school and started working when I was 15. I was in the WRAF for a while then married and had 2 children in the UK before emigrating to the USA at the age of 24 will I qualify for a partial UK pension when I reach retirement age next year?

    • David Morris says:

      Hello Beth, yes, you should be eligible for a partial UK pension. You are also still able to make some back payments which would increase that pension. If you join us, we will send you an information package on how to go about doing that.

  102. sue gatt says:

    I was born in America in 1951 but left when I was two years old as I worked in uk am now receiving a state pension but want to know if I am due any kind of benefit or pension from the states I am still an American and have American passport

    • David Morris says:

      Hello Sue, sorry, I don’t know anything about the pension system in the US.

    • Kevin Bentley says:

      I’m 99% sure you will have no entitlement to US Social Security (or any other benefit), as a minimum number of credits is required to qualify. Credits accrue based on earnings in the US. My wife, who is a US citizen, worked several years there before relocating to the UK and she has not earned enough credits to qualify.

  103. Hi David,

    thanks for this helpful Info on the UK pension system. I currently live and work in Germany, but my company wants me to work in the UK for 1 year. Therefore I was offered a UK contract for that time. Since I would not pay into the German pension system for that time it would be interesting to know if I will get any British pension at all for that time. I understand I would not get anything for that time, is that correct? I was born in January 1983.

    Thank you
    regards
    Bijan

    • David Morris says:

      Hello Bijan, unfortunately, I don’t know the answer to that question, as the EU rules for pension harmonisation are quite detailed. As a general rule, if you will be contributing to the UK system while you are there, then you should be entitled to a UK pension for that period

    • Josephine patalinghug says:

      Hi David,
      I am a naturalised British citizen but not gone to the UK for 2 years and a half. I worked as a NHS nurse for 13years. How can I apply for state pensin when the time comes. I am 59 years of age. I can apply for volountary class A or Class B as well. How can I go about it.? Thank you so much!

      Regards,
      Josephine

      • David Morris says:

        HI Josephine, my best advice is for you to join us. We will send you a complete information package on what to do next. We also keep our members fully informed on changes to the pension system, and are fighting on your behalf to have the state pension indexed to inflation. You can join right on our website by following this link
        https://www.britishpensions.com/joinrenew/

  104. Gina Running says:

    Hi I Ieft the UK in 2001 to live in Canada, I only worked a few years in the UK so I don’t think I would get any state pension, but my late Husband did work there, would I be entitled to anything.
    Thanks

  105. Larry Allan says:

    Born in uk in 1952 worked from 15 to 35 before leaving to live in Australia. How do i reciebe pension

  106. Hi both myself and my husband uk born 1964 and 1965. both worked in uk from 1980 to 1999 before moving to Ireland.
    I had a state pension which is now frozen. My husband is a little more complicated as he opted out of serps with a private pension for a couple of years in the early 90’s then just stop paying this private pension. we are both now in public pension funds in Ireland from 2003 which will continue to retirement. I know I will get my public service uk pension, but what will my husband be entitled to? Is it worth paying back years in uk when he will get the irish public service pension with 30 years service ?

    • David Morris says:

      Hello Ger, as you live in Ireland, the pension rules are harmonised within the EU. To be honest, I do not know all the details of those rules. Our website specializes in pensioners who live in frozen pension countries. I know that he will get credit for any years worked in the UK, and that will form part of his overall pension. I do not know if EU rules will allow him to make back payments to the UK pension, if he is living in another EU country and contributing there.Perhaps he can, and if so, it would be worth doing. I can only suggest you contact the DWP in the UK

  107. Alison Grundy says:

    Hello,

    Retirement is on my radar! I was born in May 1961 and worked from July 1977- May 1987 and then from 2000 – 2002 in the UK. The rest of the years I have worked (and still do) in Canada. I’m fairly certain I will qualify for the state pension in UK. What age will I qualify? Do you have any idea of what my pension would be? (is it a monthly payment?).

    Should I be writing to the UK government for answers?

    Thanks you in advance for any assistance you can provide.
    Sincerely,
    Alison

    • David Morris says:

      Hello Alison, yes, you are entitled to a partial UK state pension. You will reach pension age in 2028. You need 35 years of contributions to receive a full pension, but you still are able to make contributions from Canada to get you close to the maximum pension.
      The amount you receive will be based on the number of years you have, and the pension amount applicable in 2028. To give you an idea, a full pension in 2018 will be £126 a week, paid monthly. This will increase each year, and you will get whatever the 2028 amount is. If you join us, we will give you a complete information package on how to get a pension forecast, make voluntary payments from abroad, and lots of other valuable information

  108. My mum used to live in the UK from 1964 – 1970.(born in 1945) She worked and did odd part-time jobs. She can’t remember her NI number either. She moved abroad in 1970. Will she be eligible or can she apply for a pension in the UK? My dad used to live in the UK too and like my mum, moved abroad in 1970. He passed away 6 years ago. Can my mum claim a widowers pension?

    • David Morris says:

      Hello Eddie, your mum and dad are of the age group that they needed 10 or 11 years respectively of work contributions to the pension scheme. Your mum does not qualify herself, based on what you tell me, but I don’t know how many years your dad worked. If he worked 11 years, then he would have been entitled to a partial pension, and your mum would also be eligible for a widows pension

  109. Alice Silvestri says:

    Hello,

    I worked in Uk for 6 years then I moved back to my country in Italy in 2014 (I am 31 years old). Am I able to get any future pension? If yes, how do I apply for it? Do I need E205/GB model?
    Thank you.

    • David Morris says:

      Hello Alice, as you are in an EU country, your pension comes under EU rules. Under current rules, your work experience in the UK would qualify you for a partial UK pension. You can only apply once you reach pension age. With Brexit, these rules might change, and I have no idea what may happen then

  110. Allan Dolby says:

    Hello David,

    I was born in UK in 1970, never worked in the UK as we emigrated to Canada in 74. Is there an option to PAY into Pension even though I have never worked in the UK…? Is there any benefit at this point?

    • David Morris says:

      Hello Allan, no. You have to have a National Insurance number, and you can only get that if you worked in the UK

  111. I was born in Scotland and started work when I was 15 I worked continuously until I was 26 then went abroad I never worked in the UK again. I live abroad. Will I receive a pension?

    • David Morris says:

      Hello Brian, yes you are eligible to receive a partial UK pension. Depending on your age, you may even be able to increase it by making additional payments from abroad. Please note that you won’t receive it automatically. You have to apply for it

  112. Good day:
    My situation is that my parents moved me to England when I was three and I have never been back since.

    How can I make myself eligible to receive a pension when I retire? How much per year will I have to contribute to bring things up to speed. I was born in 1966 and didn’t even know that I had this option.

    Thank you for your assistance and I appreciate your time.

    • David Morris says:

      Hello, C Paris. I don’t understand your question. You say your parents moved you to the UK when you were 3. Did you mean that they moved you FROM the UK ? If so, then you would not be eligible to apply for any pension

  113. Dear David
    I have worked in U.K. For last 12 years ( so was my wife) we left due to Brexit and we where wondering if there is anyway to access our pension founds early? Not as a pension but one of payment?
    From what I can understand this is not possible – but could you advise?
    If not – are there any ways we can claim it before our pension age at all?
    Many thanks

    • David Morris says:

      Hello Piotr, you can not claim your state pension as a lump sum. Nor can you claim it ahead of your pension age. It can only be claimed on reaching pension age, as a regular payment

  114. Hi,

    I’m German and been living and working in the UK for the last 4 years. Born in April 1987. I may move to another country to live and work there and I am pretty far away from the 10 years to qualify. Is there anything I could do to not lose the contributions I made over the last 4 years? Is it worth/possible making voluntary contributions for the next presumably 6 years to qualify for a partial pension?

    Thanks for some brief advice!!:)

    KR
    Toby

    • David Morris says:

      Hello Toby, yes, you can certainly make voluntary contributions from abroad. Financially it makes sense to do that.

    • MARY KICHAMU says:

      Hello i am a Kenyan citizen. I came to the UK in 2002 to study and stayed on until 2009. I receive my pension statements. Is it possible for me to apply for UK citizenship to continue growing my pension.

      • David Morris says:

        Hello Mary, you do not need to be a UK citizen to make voluntary contributions from abroad. If you join us, we will send you an information package on how to continue to make pension contributions

  115. cochrane kerr says:

    hi iworked inthe uk from1971 till 2000 when will i get the pension and aprox how much please

    • David Morris says:

      Hello Cochrane, you will get your pension when you reach pension age, but you have to apply for it. It doesn’t happen automatically. The amount you get will be based on the number of years of National Insurance credit you have, and the pension amount for the year that you claim it

    • Hello I’m just 11 years old my Father is a British Citizen age 65 he died in the Philippines. Can I ask assistance for children pension ? Do I’m qualified ?

  116. Ann Bevins says:

    Hello, I was born in Scotland and lived there until 1982 when I left to work overseas. I am now a US citizen. I worked in Scotland for approximately 10 years and the companies I worked for had superannuation, pension plans, etc. My DOB is 10/1/1954. Will I be eligible for a UK pension and if so, when do I apply and what do I need to do? Thank you in advance for your help. Ann

    • David Morris says:

      Hello Ann, you will need 10 years of NI contributions to qualify for a minimum state pension. It looks like you may already have it. You can also continue to contribute to that pension from the US, and can even make some back dated payments. This will increase your pension amount. You should definitely consider this. My best advice is to join us. We will send you a complete information package on what to do next. You can join right on this site. In terms of work pensions, everyone is different, and you would need to contact your previous employers for details.

    • Carmel Murphy says:

      Hi I lived in the UK from October 1988 to November 1997 and paid pension contributions through my work for approx 7 years and also NI contributions. Is it possible to buy into my pension now. Many thanks

  117. Angela F. says:

    Hi – I am Irish. I lived in the UK from around 1987 to 1995 and worked with one employer for the entire period. I would have paid pension contributions at that time. How do I go about finding out how much I paid and how I can access that money. If I have to top up how do I do that??

    • David Morris says:

      Hello Angela, you will need 10 years of pension contributions to qualify, and you sound like you are pretty close. If you join us, we will send you a complete information package by email which will explain everything you have to do, including getting a pension statement, and how to top up. If you don’t do anything to get to 10 years, you will lose all the years you already contributed, so you don’t want that to happen – especially as you may have almost got the 10 years already. You can join right on this site.

  118. Tina Lovell says:

    Hello David,

    Wondering if you could help me. I will be 64 in June of 2018.. I have written to you before and on your advice I made ‘top up’ payments regarding state pension in the UK. I have been told by the pensions department in UK that I now have 32 qualifying years, as of this year. Could you please let me know if I can still ‘top up’ my pension to try and get to the 35 years required and make payments to qualify for future years, until I reach retirement age in UK? Any information would be greatly appreciated. Thank you for all your advice in the past.

    • David Morris says:

      Hello Tina, can I suggest that you join us ? We are a not for profit group, staffed by volunteers, who support UK expats living abroad with their pension queries. We will send you a complete package of information that should give you all the info you need. Our office is also available to answer questions from our members, and provide help where needed

  119. Hello

    I was in the UK from OCT 2010 to DEC 2013 as an international student. During that time period, I worked and contributed NIC. I am back in Mauritius and I am not going back to UK.

    What can I do to get my contributions back?

    • David Morris says:

      hello Anish, you can not get contributions back. What you can do is continue to make contributions from abroad so that you qualify for a UK pension

  120. Hello David

    I read the criteria for the pension. I am a UK citizen but no longer live in thee UK, how would i go about getting my employment history to what i qualify for? I was born in the UK in 1956. I will be in the UK next week.. are there any forms i need to pick up etc? I appreciate the help. Please send response to my email address.

    Many thanks

  121. hello david, my husband lived in England for 11 year and he is getting a pension but he is living in Canada now. he lived in England 1962 to 1971 . then he moved to Canada. I live in u.k. 4 month I work only few month on cash money. am I entitlement to pension because my husband work there. please help.

    • David Morris says:

      Hello Rupi, it depends on your age. If you have not yet reached pension age, then you will not be able to get a spousal pension once you reach pension age. If you reached pension age before April 2016, then you would be entitled

  122. Daisy Robinson says:

    I am a bout to acquire Spanish nationality. Under current regulations, will I still receive my UK pension plus healthcare? thanks

  123. hello, I got married in England 1983, worked for nearly 3 years. my husband was born England, and worked lived there until late 1985. he passed away 3 years ago. he was born 23/7/1952. would I have any entitlement due to my husband’s entitlement as he is now deceased?

  124. Madeleine Cannon says:

    I am now 78 & have been receiving my UK pension for 15 years after retiring to Nepal in 1991, thus my pension is “frozen” at the rate when I began receiving it, making life at present very difficult, as the cost of a continuing legal visa is expensive. I am therefore considering the possibility of taking Nepali citizenship – if I do so, will I still be entitled to my pension, as I have no intention of returning to the UK (I am a Buddhist nun). To date I have found no information concerning this query on the Internet.

    • David Morris says:

      Hello Madeleine, citizenship does not matter for pension eligbility. You will continue to receive your UK pension regardless of your citizenship

  125. 11 September 2017 at 10:57 am
    Your comment is awaiting moderation.
    I was born in England 1954, worked till I left in 1982, I now live in America. Would like to understand my pension rights. Plus if I can top up and the worth of that. Just turning 63 Sept 24.

  126. Hello,

    I am a Polish citizen, born in 1963. I lived and worked in the UK for 7 years (between 01/07/2001 and 31/07/2008), I then relocated to Belgium, before moving back to Poland in June 2014. I was employed during this period and my UK employer was paying my NI for the entire period of my employment.

    From what I understand, the time of my employment in the UK would be taken into account for calculating my overall qualifying years in Poland, but I would like to explore various options including full pension in Poland or perhaps applying for partial UK pension. If partial UK pension is an option at all – what are my options of “buying” additional qualifying years?

    I will reach UK pension age in year 2030, so it’s still a long way to go, nevertheless I would like to explore all my options in advance. Obviously, under provision that things are changing as we speak, so right now it is only theoretical issue.

    I would appreciate your advice in this matter.

    Kind regards

    • David Morris says:

      Hello Beata, as you live in the EU, you come under their pension rules. As pensions are harmonised, what that means is that your final pension will be made up of pensions from any EU countries you worked in, for the years you worked there. Essentially, you will get a partial pension from the UK, plus one from Poland. Other than that, I am not familiar with all the details of EU pensions. I believe you will get a single pension from Poland, but it will be made up of amounts paid by all the countries you worked in

  127. Denise Pusateri says:

    Hello I am a British citizen living in the USA. I worked in the UK from July 1969 until December of 1979. I was born in February 1954. My question is am I eligible for any kind of pension and if so, what is the process for obtaining it.
    Thank you in advance for any assistance.

    • David Morris says:

      Hello Denise, yes, it sounds like you already qualify as you will need 10 years, and it looks like you have that. The good news is that you can continue to make contributions to the UK system from abroad, which will increase your pension.
      My best suggestion is for you to join us. We will send you a complete package of information on what to do next

  128. Hello, my husband and I were both born in UK (1962 and 1964) and both worked there from 1980 to 1992 when we moved to Canada. From what I am reading we will qualify for a partial pension but would we benefit from making additional contributions?

    • David Morris says:

      Hello Marian, yes, you would certainly benefit from making additional contributions. The return on the investment is very high – it is a really good financial deal.

  129. Nina Houghton (was Wilson) says:

    I was born in the UK in 1960 and worked in England for 6 years from 1976 to 1982. I then left and lived and worked in Bermuda (a British Territory) from 1982 to 1993. I now live in Canada. I realize I need ten years work in the UK to qualify for a pension but is Bermuda and their pension system connected to the UK in any way??

    I look forward to any information you can provide.
    Many thanks

    • David Morris says:

      Hello Nina, there is a reciprocal agreement between the UK and Bermuda that will allow contributions in either country to be counted towards a pension. This means that your Bermuda contributions should be counted towards your UK pension.
      You also can make contributions from Canada directly to the UK scheme, which will further increase your pension

      • I was born in England 1954, worked till I left in 1982, I now live in America. Would like to understand my pension rights. Plus if I can top up and the worth of that. Just turning 63 Sept 24.

        • David Morris says:

          Hello Alan, you will need 10 years to qualify for a minimum pension. Yes, you can certainly top up, and it is really worth it – especially if you don’t already have 10 years. If you join us, we will send you a complete package of information, including how to top up, how much it will cost, and what you get for that

      • Nina Houghton (was Wilson) says:

        Many thanks David. I appreciate the information. Can you provide information on what I will need to do next and how I go about it in order to qualify for a pension at retirement age. Such as how to top up, how do I find my SI # etc.

        Many thanks in advance.
        Nina Houghton

  130. AJIT S GREWAL says:

    I am british citizen ,born in india. now I live in usa. I worked in uk from age of 16yrs to 37th ie 21 yrs my dob is 07/08/1950 . aprox how much pension will I qualify for . iwas pharmacist in uk as well as now in usa. I lost my NIH CARD. HOW DO I APPLY FOR MY PENSION PLEASE

    • David Morris says:

      Hello Ajit, you are certainly entitled to a partial UK pension, and you can make some top up contributions from the US to increase it. You need 30 years to receive the full pension. If you have less than that, the amount you receive is simply prorated based on the number of years you do have. Your pension will also be backdated to the date you reached pension age, in 2015.
      My best advice is for you to join us. We will send you a complete information package, including how to obtain your NI number, apply for your pension, and make top up contributions.

  131. Lisa Betts says:

    Good day,
    I was born in Canada in 1960, parents moved us to the UK in 1964 and I moved back to Canada in 1986. I have a National Insurance Card (somewhere!) and did work off and on in my teens and 20s. How do I find out if I am (a) eligible for a pension and (2) how to top it up? Thanks so much, Lisa

    • David Morris says:

      Hello Lisa, you likely are entitled to a partial UK pension, and the good news is that you also are able to top it up from Canada.
      My best advice is to join us. We are a non profit volunteer group that supports UK pensioners living in Canada and abroad. If you join us, we will send you a complete package of information on how to find out your pension status, and make top up payments from abroad. The cost to join is minimal – $25 a year – and we keep our members informed of the latest developments in UK pensions.

  132. Hi David I was born in England 1956 and worked on and off for 3 yrs and then moved to Canada..I am planning to return in the next couple of years to live as all my family still reside there. We have Old age security starting at 65, which is automatic and not based on if you have worked or not, is there anything similar to this in England…thanks

    • David Morris says:

      Hello Jocelyn, to be honest, I am not current on what else is available in the UK, other than the basic state pension.
      The good news is that it is very possible that you could qualify for the state pension in the UK. You will need 10 years of contributions, but you are eligible to make contributions from Canada which will get you to the minimum you need

  133. Frank Byrne says:

    Hello, I was born on 1953 in the UK and worked there for 3 years before leaving to go to the USA. My plan is to retire at 66 and return to the UK. Do I qualify for any kind of pension and if I don’t have enough years can I make up for the years needed.

    • David Morris says:

      hello Frank, you will need 10 years of NI contributions to qualify for a pension. The good news is that you can contribute from abroad, and can make back payments up to 10 years. Don’t delay in doing this, though, as you will lose the ability to buy back years over time

  134. My brother (born 1946) receives a full UK state pension. He moved to South Africa (Johannesburg) in 2001 and married a German lady he met there in 2006. She has lived in South Africa for 30 years or more. She already receives a widow’s pension from Germany. My question is, will she be eligible to receive a married woman’s pension being now married to my brother but never having lived or worked in the UK?

    • David Morris says:

      Hello Liz, if she reached pension age prior to April 2016, she should be entitled to a spousal pension based on your brothers pension record. It doesn’t matter if she never lived in the UK.

      • She is 73 years of age. Will she need a National Insurance Number? My brother worked for 46 years. Approximately, how much will she received and will it be backdated?

        • They have no plans of returning to the UK to live…not sure if I made this clear earlier.

        • David Morris says:

          Hello Liz, her pension would be approx 60% of what your brother is receiving, and it would be backdated to when she reached pension age. It doesn’t matter where they live, they are entitled to the pension

  135. Hello, I am an Italian citizen. I have worked in the UK between 1997 and 2012. I have then continued to contribute for an extra year when I returned to Italy. I am 46 years old. Will I be entitled to a pension when I reach 66? Would it be advisable to continue to make voluntary contributions? Thanks

    • David Morris says:

      Hello Grelle, as you live in Italy, you come under EU rules for pensions. Under current rules any year worked in any EU country counts towards a pension, so your UK contributions would be counted. With Brexit, I have no idea if the rules will change. It may make sense for you to continue to contribute to the UK scheme, to reach the 10 years minimum that you would need if you didn’t live in the EU. That said, I am not knowledgeable in the rules on Italian pensions.

  136. Felicity Menzies says:

    Hello David,
    I was born in 1960 and worked full time in London from August 2007- November 2010 and paid into the Pension fund so have a NI number. When I arrived back in Australia I looked into transferring the funds but it was going to cost more than contributions to transfer over and set up a QROPS.
    Do you know what my options are regarding reclaiming this money? I am not going to make contributions to get full pension as I can do that in Australia. Do I have to wait till I am 65 to get a part payment? And has the law changed in UK so that one must have worked 10 years to get any payment?
    thanking you!

    • David Morris says:

      Hello Felicity, the UK state pension can not be transferred into a QROPS or any other scheme. Only private pensions can be transferred. You can not reclaim the money either. All you can do is receive a pension when you reach pension age. You will need 10 years for a minimum pension, so if you don’t want to lose the contributions paid so far, you should make voluntary contributions from abroad to at least get you to 10 years.

  137. John Macnamara says:

    I was born after 6th April 1951 and worked for 5 years in the UK. I also worked in the EU and have claimed Unemployment Benefit both in the EU and the UK .

    Can i use these periods of work /unemployment benefit in the EU to achieve a total of 10 years of contributions that are now necessary for eligibility?

    • David Morris says:

      Hello John, it depends on where you end up living. If you are in the EU, then all years count towards pension eligibility. If you live outside the EU, then you would have to meet the eligibility requirements of each individual country – so you would need 10 years in the UK

  138. Natasha says:

    Hello, I am Bulgarian, 56 years old, just came in UK for the first time. I wonder can I start now to work 3 years, then buy 10 years class 2 for about 1500 pounds and then wait until my 67 to receive approximately 1/3 of UK pension?

    • David Morris says:

      Hello Natasha, if you are working in the UK, you will automatically be making contributions to the pension fund. You will not be able to buy back years before you were in the UK, but you can contribute each year going forward. Class 2 is being phased out, so you would only be able to make Class 3 contributions

  139. Anton Lito says:

    Dear David, I am receiving a British pension after having paid contributions for 30 years. I am not British, and I currently receive the pension within the EU.The NHS also pays for the medical needs for myself and my family. My question is…what will happen to my pension after Brexit? I have tried to ask the EU, but none has come back and as you can imagine I am a little nervous. Could you help? Thank you for your time.

    • David Morris says:

      hello Anton, I can’t really help you as the details of Brexit have not yet been resolved. My understanding is that the UK Government intends to keep paying the pension as before, but nothing has been formally agreed

  140. Scott Addison says:

    Hi David,
    I am an 25 year old Australian living and working in the UK and should get three qualifying years on my National Insurance record before moving back home. If I continue to make voluntary contributions for another seven years from abroad, will that mean that I am entitled to any pension? And is there a limit on the number of years that you make voluntary contributions for? For example, 3 years working in the UK, 32 years of voluntary contributions from abroad = full state pension.
    Thanks

    • David Morris says:

      Hello Scott, yes, you can continue to contribute from abroad for the whole of your life. There is no limit.

  141. Shelgah Hawkins says:

    Hello, My name is Shelagh Mary Hawkins and I am a British Citizen and passport holder. I was born in the UK and paid taxes for 9 years only before as part of my nursing i had to go overseas for training. I then got married and have lived over seas every since and didn’t pay any contributions. I am now 82 and I have been trying to see if I am eligible for any pension or widowers pension since my husband some time ago. I presently live in Tanzania with my daughters. They have been helping me to look online to see if I am eligible for any form of pension but its rather confusing and I wonder if you can help. Kind Regards, Shelagh

    • David Morris says:

      Hello Shelagh, you would need 10 years of contributions to qualify. Its possible that you may have that, depending on the exact dates you worked there. You may also qualify for a widows pension, depending on how long your husband worked there.
      If you join us, we will send you an information package on how to find out whether you are eligible, and how to apply if you are.

  142. Maureen Boyce says:

    My husband and I are Brtish but moved to Canada in 1982. He had worked around 8 years and I had worked around 6 years. How much would he need to pay (roughly) to buy an additional 2 years. And is it worth me buying an additional 4 years or am I better to take the 60% of his which comes to me at retirement age without me contributing. Is it worth paying into or not?

    • David Morris says:

      Hello Maureen, you don’t give your age, but if you have not yet reached pension age, then you will not receive 60% of your husbands pension. Spousal pensions were eliminated in 2016. You only receive a pension based on your own contributions. It is certainly financially worthwhile to do this. In terms of cost, it depends on whether you can qualify for Class 2 contributions. these are much cheaper than the normal class 3, which cost about £800 to buy back 1 year. Don’t delay in making a decision though, as you will lose the ability to make back contributions over time. If you join us, we will send you a complete package of information on how this all works

  143. Sheena Grant says:

    Dear Sir

    I wonder if you can help me with something. I moved to the UK in 1965 when I was 6 years old from Guernsey and started full time work in 1975 when I was 16. I stopped work in 1982 to have my first child then returned to Guernsey in 1986. Please can you advise whether any of the years when I was claiming child allowance for my daughter, when I wasn’t working, contributes towards making up the ten years please. If not am I correct in thinking I need to make up four years contributions to receive a pro-rata UK pension?

    Many thanks
    Sheena Grant

    • David Morris says:

      Hello Sheena, yes, the maternity years can count towards pension contributions. This could get you to the 10 years you need, otherwise you would have to make up the difference. It is certainly worth pursuing this.
      If you join us, we will send you information on how to get a pension forecast, and find out how many years you have accrued

  144. Victoria Winter says:

    Hi there,

    Firstly, thank you so much for your time to write up this information and to reply to all these posts.

    My parents ad British Citizens.

    My Father: Worked in England for 10 years. Lived and worked in Australia for 14 years. Lived and worked in New Zealand for 25 years. receives the New Zealand Pension.

    My Mother: Lived in Australia for 7 years. Lived and worked in New Zealand for 25 years and is now 62 years old. The retirement age in New Zealand is 65. She receives a dependents pension as a benefit of my fathers New Zealand Pension.

    They want to move back to England and receive a pension there.

    Can they use the years that they worked in New Zealand and Australia to apply State pension in England?
    Can I facilitate this process for them by representing in England them as Power of Attorney?
    If they are are eligible for a British pension, would they be able to reside in the EU and receive that pension there (before any rule changes due to Brexit)?

    Thanks you so much in advance.

    • David Morris says:

      Hello Victoria, your father should be able to claim a partial UK pension for the time he worked there. I do not believe there is a reciprocal agreement between UK and NZ, where NZ work credit can be used to qualify for a UK pension, so your mother would not be eligible for any UK pension. They may be able to continue to receive the NZ pension while in the UK, but I am not an expert in NZ pension rules. You would need to verify that in NZ. Any UK pension that your father is entitled to can be paid in the EU.
      I don’t see why you could not complete the application form for your father, but I don’t know what the Power of Attorney rules are in the UK

  145. Dear David,

    I’m a British Citizen born in 1963 who have worked in the UK from 1988 to 1999, migrated to Trinidad to bring up our three kids. Now that they are adults I will be returning this year to London to look for work. How much contribution would I need to make to obtain the maximum pension?

    Kindest Regards
    Gary

    • David Morris says:

      Hello Gary, you will need 35 years of contributions to obtain the maximum state pension. You can make up to 10 years back contributions right now, plus any years going forward. You do not need to be residing in the UK to do that

  146. Lynn Phillips says:

    I am a British citizen, born in UK in 1966, and moved to Canada is 1977. I have never worked in the UK. is it possible for me to make contributions in order to qualify for a partial pension?

    • David Morris says:

      Hello Lynn, no, you must have a National Insurance number to make contributions – which means you have to have worked in the UK at some point

  147. Hello,
    I was born in 1981 in the UK and worked there until 2010. I’ve checked my contributions and have made 10 years worth of contributions, so it looks like I’ll be eligible to claim state pension when I get to age 68.
    Since 2010 I’ve been living in Australia and now have dual citizenship. I have no intention of ever moving back to the UK, but you can never say for sure what may happen.
    From my understanding if I continue and do nothing I’ll be eligible and will receive approx. GBP 52.73 per week.
    I can’t really afford to make extra contributions at the moment – is there a timeframe where I can make these contributions? How many years back can I pay? I thought I only needed 35 years of contributions for a full pension, but it says I may need to make contributions until 2049?
    Does it make any difference which years to pay? From what I see in the past the contributions are less so it would make sense to pay those rather than future ones which would likely be higher? Also are catch up contributions made from pre-tax income or after-tax?

    • David Morris says:

      Hello Chris, lots of good questions. You will only need 35 years of contributions. There is no point in contributing more. You normally have 6 years to pay a given year – so if you wanted to pay for 2017, you would have up to 2023 to pay for that year. That means you can effectively go back 6 years from today. There is a special provision where you can go back 10 years, because of the new legislation in 2016.
      I can’t speak to the tax situation in Australia, but in Canada, contributions are after tax.
      If you join us, we will send you a complete information package, including how to make voluntary contributions

  148. Irene M says:

    Dear David,

    I am 62 years old. I worked in the UK for 2 1/2 years. I returned to Canada in 1997. Would I qualify for UK pension?

    Thanks.

    • David Morris says:

      Hello Irene, you will need 10 years of work contributions to qualify. You are able to make contributions from abroad that should get you there.

  149. Jocelyn Stevens says:

    Hi

    I am a 59 year old South African and will be moving to the UK on an ancestry visa this year. I will be getting a job and contributing towards the NI. Would I qualify for a UK pension upon retirement?

    My husband, who is 65 will be joining me in approximately a year’s time and also intends working in the UK – would he also qualify for a UK pension?

    Would we be able to make voluntary contributions?

    Thank you.

    • David Morris says:

      Hello Jocelyn, you would need 10 years of contributions to qualify. Accordingly, it doesn’t look like you will be able to reach that number before you reach pension age. You will not be able to make any back contributions. Your husband definitely won’t qualify. There may be other benefits you qualify for, but it doesn’t look like you will be eligible for a pension

  150. Phyllis Eleftheriou says:

    Hi There

    My husband and I are looking to relocate to England from South Africa. I am a British Citizen but neither of us have ever worked there. I am age 53 and my husband age 55. Can we get jobs, register for a National Insurance number and then begin contributing? My understanding is that we would have to do this for 10 years before qualifying? During that time can we make additional contributions?

    • David Morris says:

      Hello Phyllis, yes – you can get jobs and begin contributing. You will need 10 years to qualify. You will not be able to make additional contributions. You can only contribute from the time that you get your NI number and start work.

  151. Sandra Kelemen nee: HAYWARD says:

    I’m curious why someone has to work 10 years in the U.K. before they can collect their pension. I’ll be 78 this year, and I left the U.K. when I was 19. I worked for 4 years, and the National Insurance was always taken out of my paycheck. Why isn’t there any accounting for my loss?

    • David Morris says:

      Hi Sandra, unfortunately those are the rules.People do have the option of continuing to make contributions even after they emigrated, to make up any shortfall. However, if you do not do that, then you will lose whatever contributions you had made

  152. Hi-
    I will be 65 in March, 2017…worked in the UK from 1970-76, then in Bermuda from 1977-1990..does my time in Bermuda count towards my UK pension (it’s a British Crown Colony)..? Do you have to work every month of the year for it to qualify as one of your ’10’? Thanks.

    • David Morris says:

      Hi Kevin, your Bermuda contributions should go towards a Bermuda pension, but they will not apply to the UK state pension.
      You do not need to have worked the full year in the UK for it to be a qualifying year. Provided you earned over approx. £6,000 in the year, it will likely count as a qualifying year. You also have time to make additional voluntary contributions in the UK to make up any gap

  153. I came to Canada in 1976 with 8 qualifying years of NI contributions. I have worked full time in Canada since then but retired in 2015. I reach 65 in October 2017. So far, I’ve been able to get from the Newcastle Pensions Centre, the information about my 8 qualifying years, together with the statement that “adding further qualifying years to your NI contribution record may help you satisfy the rule” regarding 10 qualifying years. But I got little direction from them on how I can go about making the additional contributions. Their website is a labyrinth, especially now that they seem to cover both the “Old Pension” and the “New Pension” which applies to me. Do you have any advice on how I should now proceed, or where I might get clearer relevant information on making additional payments? Thanks

    • David Morris says:

      Hello Ian, my best advice is for you to join us. We will send you a complete information package on UK pensions, including how to make contributions from abroad. We will also be fighting on your behalf to stop the discriminatory practice of freezing those pensions. You can join right on this website

      • I joined CABP in February! I was trying to follow your info package but was still experiencing the difficulties I described above. I still don’t know how to go about finding out how to make additional payments. I had e-mailed the DWP about a week ago asking for advice and they just replied saying I have to contact The Department of Revenue and Customs so I’ll try that route.

        • David Morris says:

          Hello Ian, in the document we sent you, it gives the telephone number to call, and the form to be used, to make additional payments

  154. I was born in May 1953 and worked in the UK up until October 1977 when I left for Australia, so from what I can see I will not be enlargeable to get the pension, so can I do a top up and is it worth the bother? Thanks in advance.

    • David Morris says:

      Hello Steve, you don’t indicate how many years you worked. You will need 10 years to qualify. It is certainly a good deal to make those extra top ups to qualify.

  155. m vincent says:

    born in 1937 .had a n.h.i. # only worked for about12 to 14 months moved to u s a in 1957 am I eligible for a pension ?

  156. Dorothy McLarnon says:

    Hello from Cairo, Egypt.

    I was born in N. Ireland in 1958. I worked from 1974 to 1977 and I’m sure I made contributions before I emigrated to Canada in 1977.

    I lived and worked in Canada from 1977 to 1980 and from 1988 to 1990. The rest of the time I have lived in Egypt.

    I am entitled to any kind benefits? Many thanks for your consideration.

    • David Morris says:

      Hello Dorothy, you will need 10 years to qualify, however you are eligible to make contributions to the system from abroad. It is a good deal to do that, and you will then qualify for a partial UK pension

  157. Hello, Im italian and I’ve been working in UK for few years, at the moment I have 4 full years of NI contribution and from my account on HMRC website I can see I can make voluntary contributions in order to get to the minimum pension.
    Those contributions are around 750 pound per year, is it actually possible to get the minimum pension just paying this small amount of money per year? If so this could be a good investment..

    Thank you for your time and assistance.

  158. Clair Marriott says:

    Hello David,
    I’m English I was born in 1959 and worked in the UK from 1975 to 1986 when I left for France to work and stayed. I know I have a small UK pension as I’ve enquired.
    What I would like to know is if I can add the 11 years I worked in the UK to the years I’ve worked in France towards my French pension.
    I thank you in advance for taking the time to answer me.
    Clair

    • David Morris says:

      Hello Clair, yes you can. EU pensions are harmonised, so that all the years you worked in any EU country all count towards your final pension. When you apply for your pension in France, they will contact the UK to arrange for the English component to be paid

  159. Terry Barker says:

    I was born May 1953, so am 65 in May 2018, I came to Canada in 2000 and have worked for over 15 years here continually, I worked in the UK for 30 years and paid extra to the UK when I came to Canada to “qualify” for maximum contributions. I believe claiming my OAS in Canada as soon as I am eligible is the best way to go but briefly looking at the OAS Forms, it seems any payment of UK pension affects my OAS?? , so should I/can I delay payment of my UK Pension, I was thinking if I calim the UK one of leaving it in UK pounds until the exchange rate improves? Really appreciate any views you can give

    • David Morris says:

      Hello Terry, all income from any source counts towards any clawback of the OAS. Keep in mind that you need to be earning $73,715 before any clawback starts. At that level, you would lose 15% of any income over the threshold, up to the OAS amount
      Yes, you can delay receiving the UK pension, and your pension will increase for every year you delay. As to exchange rates, I have no idea which direction they will go. If you visit the UK regularly, then keeping the money in sterling will avoid any exchange issues

  160. NEELIMA Varma says:

    Hi David,
    I am writing this for my Dad. My dad was born in 1942, he worked P&O for 5 years in England as a merchant navy officer and after 5 years, he worked with different shipping company’s in England. At that time he contributed for pension plan.Now he is 72 years, he is getting only 80 pounds a month. He asked the shipping company and government about this and they said my dad( he is an Indian ) is not a British citizen.

    After 35 years he is getting 80 pounds is ridiculous. If you have any suggestions or opinions , please let me know.
    Thank you.
    Neelima.

    • David Morris says:

      Hello Neelima, your father would have reached pension age in 2006/2007. At that time, the max pension was either £4,380 or £4,500 per year, and you needed 44 years to get it. You needed 11 years to qualify for anything, so I assume your father had that. With 11 years, he would have received in 2006/2007 a pension of 1/4 the maximum amount. That would be roughly £1,120 a year, or £93 a month.
      The problem is that, depending on where he lives, his pension was frozen at that amount. He would not have received any increases.
      By the way, pension entitlement has nothing to do with citizenship – only the years contributed.
      It sounds like the calculation is approximately correct, but if you can tell me what his pension is based on, I can confirm it. He would have received a pension statement stating how the pension amount was calculated.
      Failing that, you can ask the DWPO for aan explanation of how the pension was calculated

  161. Andrew Loukes says:

    Good day,

    I was born in 1962 and started working from age 16, (approx 1978) with periods of unemployment. I left the UK for South Africa in 1990. Am I eligible for a UK pension. I don’t have a record of my NI number. Is a top up option available? I know I have a few years to go, but would like to make plans now rather than later.

    Thank you.

    • David Morris says:

      Hello Andrew, yes you are entitled to a UK pension, and yes, you can make top ups. It is smart of you to be thinking of this now.
      If you join us, we will send you an information package on how to get started, including getting your NI number and making contributions from abroad

    • Keith Robinson says:

      Hi David. I started work aged 16 in 1971 and left for South Africa in 1981, how do I go about buying back into the UK pension fund and what forms do I require to fill in and where from

  162. Arnis Visnevskis says:

    I worked in the UK from 2010 till november 2016 . Last year i moved back to Latvia. Will i get any pension from UK when i retire?

    • David Morris says:

      Hello Arnis, yes – you are entitled to a pension from the UK when you retire

      • Paul Whiteley says:

        Hi,

        Is this comment correct? I felt that a person needed 10 years of contributions to qualify, and the dates above would only be 6. I ask the question because I am in a similar position to Arnis.

        Paul

        • David Morris says:

          Arnis lives in the EU. Pension rules are different there. In the EU all years count towards the end pension, and there is no minimum required

  163. Bob Lin says:

    Brexit could be an opportunity for the Canadian Government to achieve fairness and parity for people who receive their UK pensions in Canada. The UK will be seeking trading partners; indeed, UK politicians have been using Canada as one such country. The frozen UK pension issue should be part of those negotiations.

  164. Steven Stewart says:

    I am a British citizen born and lived most of my life in UK, I am 72 and have never claimed my old age pension. If I make a claim now what if any back payments can I claim? I worked in the UK for 23 years and about the same in Norway. I now live in Thailand

    • David Morris says:

      Hello Steven, your pension would be backdated to the day you reached pension age – 65. You would have the option of a lump sum, or an increased monthly pension.

  165. I live in Canada and am a Canadian citizen. I am also a Brirish citizen with a valid Insurance number, I worked in UK from 1977 to 1979. Do I qualify for any pension.

    • David Morris says:

      Hello Khan, I am assuming you are not 65 yet. If so, then you will need 10 years of NI contributions to qualify. The good news is that you can make contributions from abroad, and can also make some back payments

  166. Daniel Krebs says:

    Hello, I am 42 years old (British) and have lived in Japan for the past 15 years. I worked in the UK for about 2 years prior to that. What would I need to do I qualify for a UK pension? Thanks.

    • David Morris says:

      Hello Daniel, you will need 10 years of contributions to qualify for a minimum pension. The good news is that you can make contributions from abroad, and also make some catch up contributions. Don’t delay though, as you gradually lose years over time

  167. F. Pastor-Pons says:

    Hi,

    I have been working in UK from september 1995 to december 1998. I belong to those to retire after 2016 (official date will be 6 March 2020) Do I will have rigth to some partial retirement from the UK State Pension? Thank you for your help in this matter.

    • David Morris says:

      Hello Fernando, you will need 10 years of NI contributions to qualify. You have the ability to make contributions from abroad, and may be able to make some catchup payments as well. It doesn’t look like you will be able to get to 10, though. It doesn’t hurt to enquire though.

  168. I am 66 years old, married and in receipt of an Australian pension and a part (aprox 50%) UK pension. For personal reasons I’m considering renouncing my Australian citizenship and returning to the UK. My wife will probably go back to her home country in SE Asia. If I renounce my Australian citizenship I will no longer be in receipt of an Australian pension. I guess I would have great difficulty trying to live in England on a part UK pension of around $80 a week. So I am wondering what can I do to ensure my pension is enough to live on (I have some money to invest in the UK pension scheme if necessary). Regards Mal

    • David Morris says:

      Hello Mal, I don’t know why you think you will lose your Australian pension. Nor do I know why you think you need to renounce your Australian citizenship. I believe the Australian pension is paid wherever you live. In terms of your other questions, I can’t really help you. I have no idea what other benefits are available in the UK

      • C. Silva says:

        Hello David,

        I have started working in the UK (NHS) in June 2016, but due to family issues I will have to return to my home country (Portugal) by the end of this year (around December).
        I was looking into the information on Gov.uk and it seems to say that I will be only entitled to contribute overseas once I’ve completed three continuous years living in the UK or have three years of National Insurance contributions. If I leave by the end of this year I will only have contributed for two fiscal years (2016 and 2017).
        I read a previous post here, saying that they had only contributed for two years, for which you have replied that they would still be entitled to keep paying contributions in order to complete the 10 year minimum.
        On the official info (gov.uk) I could only find that we are able to pay for gap years, not previous years, before e became UK residents (because if that could be a nice option).
        Could you please advise me: shall I apply now (by the end of the year, when a leave), or do I have to plan to return to the UK (e.g. six months) to complete three years of contribution so that I can become eligible?
        Note: I do not own a property in the UK. What kind of benefits (fiscal/citizenship) could I get from it?

        Many many thanks
        Silva

        • David Morris says:

          Hello Silva, as you live in the EU, the rules are different. Pensions are harmonised across the EU. I don’t know what the EU rules are regarding contributions from abroad for the EU. I know that you do not need the 10 year minimum. You get credit for every year worked in the UK

      • George says:

        Unfortunately the Australian Aged Pension ceases once you have been out of the country(Australia) for more than 6 weeks under this current government, and that even if its a holiday overseas, it used to be for max period of 6months

  169. Joy Lake says:

    I was born in England in 1952. I worked full-time for about 3.5 years from leaving school in 1970 to emigrating to the US in 1974. I also had a couple of Saturday jobs prior to that but minimal income from those. Am I entitled to a partial UK pension?

    • David Morris says:

      Hello Joy, yes you are entitled to a partial pension from the UK. You are also still able to make contributions from abroad if you want to increase that pension. We can give you complete information on all of this if you join us.

  170. Hello David Morris,
    I was born in 1957, was trained as state registered nurse with the National Health Service in England from 1974-1978. During the days of training ,I paid National Insurance for 4 years as trainee ,I left England after that. Am I entitle for any Pension ? I have lost my national insurance number. if so, how may I apply ?
    Thank you !

    • David Morris says:

      Hello Chok, you will need 10 years of NI contributions to qualify for a minimum pension. The good news is that you can contribute from abroad, and you have time to build up the necessary contributions. If you join us, we will send you an information package on how to get started, including applying for your NI number

  171. Ray Hutt says:

    Hi,

    I was born in the UK 21/5/48. I worked from age 15 until 21 when I migrated to Australia in Feb 1970. Any advice

    • David Morris says:

      Hi Ray, you are entitled to a partial pension from the UK, and can also likely make a few back contributions to increase it slightly. If you join us, we will send you an information package on how to apply

  172. Mr.Vivien Buswell says:

    I am British. Born in BMH hong Kong in 1956 father in British Army. lived in England from 1957 till 1975 grew up in England. worked from 1971 till 1975 4 years and 1 month in England,moved then to Germany.working in germany from 1975 till now ( 05/2017) got British and German Passport.what would i get on british Pension and what do i have to Pay. I am a 50% Invalied.

    • David Morris says:

      Hello Mr Buswell, you will be entitled to a partial pension from the UK for the number of years you worked there. As you are in the EU, pensions are harmonized. That means that you would apply for a pension in the country you currently live in (Germany) and they would connect with the UK for details of your employment there. Your final pension will contain both German and UK amounts

  173. Hi, I am Polish national and I’ve lived and worked in the UK for 7 years, I left in 2012 to work until present in Dubai. I have been owning a property in the UK which is rented out since I left the UK, however I haven’t been paying any IN contribution since I have moved to Dubai. Can you please advise what are my chances to get the minimum state pension and if I need to pay voluntary contribution?

    Thank you in advance for your advise.

    • David Morris says:

      Hello Agata, you will need to pay voluntary contributions to get you to the minimum of 10 years of contributions. The good news is that you can do that from abroad. If you join us, we will send you an information package on how to get started

  174. hi im a dual citizen Canadian and British i have both passports i was born 1958 i did work in Britain for about two years before emigrating to Canada in 1976 i have worked here for 40 years im thinking of moving back to Britain am i entitled to any pension

    • David Morris says:

      Hello Andy, you are not yet entitled to a UK pension. You will need 10 years of contributions to the pension scheme to qualify. The good news is that you can actually make contributions from abroad, which will enable you to get to at least the minimum needed. This is definitely worth doing. If you join us, we will send you a complete info package on how to get started, including how to make contributions from Canada.

    • Carol La Camera says:

      Dear David,

      I was born in Scotland in 1959, we moved to south africa in 1965. In 2008 we moved back and went to wales, i got a NI number but unfortunately after 4 months i could not find a job and had to come back to south africa. My son lives in England and we would like to pack up and move to England, I am 58 years old so i can work, would i be intitled to any benifits ? I would like to contribute to the UK pension scheme in the meantime, can you advise me please.
      thank you, Carol

      • David Morris says:

        Hello Carol, yes, you should be able to make contributions from SA, as long as you have your NI number. This will allow you to build up pension credits. You can also buy back at least 6 years. You should get started on that as soon as possible. In terms of other benefits, I have no idea what is currently available in the UK, having been gone over 40 years. You would have to investigate that when you get there

  175. Liz Doolan says:

    Dear David,

    I was born in Scotland in 1957. My parent immigrated to South Africa in 1963. I have never contributed any thing to the UK Pension. I will turn 60 this year but will only retire when I am 65. Is there a possibility I can contribute to the pension fund now. Both my Mom & Dad received UK pensions for the time they worked in the UK, as well as my Dad working and being in the army. Both my parents are now deceased. I would if I could like to retire in the UK, due to the unpredictable political situation in South Africa.

    • David Morris says:

      hello Liz, unfortunately no. You need a National Insurance number to be able to contribute, and you can only get a National Insurance number if you are residing in the UK

  176. David Mitchell says:

    I left the uk after working for 21 years. I now live in the USA and I have made no payments since 1990. Am I still eligible to collect a pension.

    Thanks David

    • David Morris says:

      Hi David, absolutely. Your pension eligibility doesn’t expire. If you join us, we will send you an information package on how to apply for the pension. If you haven’t yet reached pension age, you can still make more contributions from abroad. This will increase your pension amount

  177. Joanna Massyn says:

    Hi – I worked in the UK for two years in 1988 – 1991. I cannot remember my National Health No. Would I be eligible for a pension if I paid into it until I am 65 from South Africa. I am wanting to return to England next year to live. Can I make voluntary contributions from now?

    • David Morris says:

      Hello Joanna, providing you have your National Insurance number, you should be able to make voluntary contributions from South Africa. If you join us, we will send you an information package on how to find your number, and how to make contributions from abroad

  178. karthik jampala says:

    Dear david,
    My dad who is an indian citizen worked in the NHS for 7 years in ireland from 1986 to 1993 and four years in UK from 1993 to 1997. He then migrated to india after that and he always only had indian passport and he is 61 years old now. So my queires are Will he be able to claim any pension benefits ? Should I purchase any years so that he can get annual pension. Whats the best thing to do for him now.

    Many thanks
    Karthik

    • David Morris says:

      Hello Karthik, I can not comment on the eligibility for a pension from Ireland, as I am not familiar with the rules for that. For the UK pension, he will need 10 years to qualify. The good news is that he can still make voluntary contributions from abroad, and can even buy back up to 6 years. That should easily get him to the minimum of 10, or more.
      If you join is, we will send you a package of information on how to make back payments, and request a pension statement from the UK. He should also check with the Irish pension agency, as he may well qualify for an Irish pensions as well.

      • karthik jampala says:

        thanks for your immediate reply

        But he is above 60 now so would he be able to contribute to the pension fund and buy back years ?
        How much would it cost to buy an year ?
        How much pension he would get annually?

  179. Philip says:

    I am 63 years old and was born and lived in the UK until I emigrated to Canada in 1979. I worked about 6 years in the UK prior to emigration and would like to know (a) would it be possible to make voluntary contributions to reach the 10-year threshold and (b) would the cost of any voluntary contributions be worth it. Thank you.

    • David Morris says:

      Hello Philip, yes it is possible to make contributions to get you to at least the minimum 10 years, and yes it is definitely worth it. Keep in mind that if you don’t buy an extra 4 years to get to the minimum, you will lose the 6 years contributions you already made

      • Keith Robinson says:

        Hi David, I started working in the UK at 16 (born 1955)1971 and left for South Africa in 1981, I came back to the UK in 2005 and worked for about 5 months before returning to SA. I would like to know how to buy back into the British pension fund

        • David Morris says:

          Hello Keith, my best advice is for you to join us. We do have other SA members. We will send you an info package that will answer all your questions, and we are also available to help. Our primary mission is to convince the UK government to stop the selective discrimination of freezing some pensions but nit others, and we are all volunteers.

    • Michael Sculley says:

      Hi

      I want to claim my pension even though I have only 13 years of service. So, where do I file in the North West of England, and is it worth it to add contributions? Furthermore, I am in the No 2 Category above!

      Thank you

      • David Morris says:

        hello Michael, my suggestion is that you join us. We will provide you with a complete package of information on how to proceed – including how to claim and how to make additional contributions

  180. phill courtney says:

    A question about wives pension (I’ve asked repeatedly at the Pensions Enquiry line, and received every permutation of answers). I have my full 30 years, and qualify for a full NI pension (dob 30/10/1950). Haven’t claimed it yet – it increases in value by 10% a year (as I’ve been advised). My wife is a New Zealand citizen – Dob 13/01/1953 – with scant or nil NI record, and so we both reached retirement age before April 2016. We married on 01/04/2017. Does my wife qualify for a wife’s pension?

    • David Morris says:

      Hello Phill, the short answer is that I do not know. Normally, your spouse would be entitled to a spousal pension as you both reached pension age prior to April 2016 – however, you only got married on January 2017. I do not know if there are rules about spousal eligibility based on marriage after pension age. I can find no information about that. I can only suggest that you pursue this through the Pensions enquiry line, and also in writing.

  181. Bob Pike says:

    Dear David, I live now in Canada and am 63, I now have Canadian Citizenship, I paid into the UK I believe to be full contributions (All my Life). I do not have a current British Passport. Roughly how much is my entitlement at this time, and will I still be able to collect without a Current British Passport ? I have a Canadian One current..
    Many Thanks.

    • David Morris says:

      Hello Bob, you do not need a British passport to collect your UK pension. If you made full contributions, your pension will roughly be about 170 pounds per week. It may vary a little from that, based on what it will be when you reach actual pension age

    • barry rowland says:

      .
      I understand that I need 11 years NI contributions in order to qualify for a pension. I have oniy 10 years that I contributed and was told i did not qualify.My wife who is in the same age group is receiving a basic pension, as we topped up her contribution .
      My question: i understand spouses are eligible for up 60% of their spouses pension, does this apply to men, and is there another arbitrary cut off point, where certain age groups are denied.

      • David Morris says:

        Hello Barry, I need to know your Date of birth before I can answer that

        • barry rowland says:

          Hi David, I fall in the “born before 1945.” category, as does my wife. Could you explain the reason behind the UK, penalizing one age group over another. Having worked and paid NI for 10 years and being entitled to nothing, while those born a few years later need only to contribute to NI for one year, to be eligible for a pension, along with their spouses, seems grossly unfair.

          • David Morris says:

            Hello Barry, it is unfair. The Government has changed the rules a few times, and there are always people who are negatively affected by the rule change.

          • barry rowland says:

            Thank you David.
            I assume that those spouses, born before 1945, would also not be eligible for part of their spouses pension.

  182. Hi

    I am a Canadian Citizen who worked on contract in a post secondary institution in Dublin for 15 months back in 2005. Would I qualify for anything at my time of retirement?

    • David Morris says:

      Hello Laura, Irish pensions come under EU rules, which are very different. You would need to contact the pension office in Dublin. I don’t have any expertise in EU pensions

  183. Hi David
    I was born in the Republic of Ireland on 14th April 1953, and my husband was also born in the Republic of Ireland on 16th August 1937. I never worked in the UK. He worked in the UK for approximately 19 – 20 years circa the late 1950s until March 1976. He was receiving a partial UK Basic State Pension from 2003, and was claiming for me from the start under this as a dependent. He received a letter in January 2016 stating that from 6th May 2016 he would no longer be able to claim for me as a dependent because I now qualified to claim in my own right from 6th May 2016, and a form would be sent. They never sent any form. The pension reduced down around £31.50 a week less. He passed away in November 2016 in the Republic of Ireland where we lived together the whole of our married life. I have tried to address this many times with the UK Pension Service and get nowhere. They have now told me that I am entitled to £4.38 per week.

    • David Morris says:

      Hello Anne, based on your age, you come under the new rules in the UK that eliminated all spousal pensions. Under those rules, you would not be entitled to a pension based on your husbands entitlement, only in your own right. Unfortunately, if you never worked in the UK, you would not have any entitlement to a pension. You were misinformed when they said they would send a form. Sorry.

  184. justin ross says:

    Hi David

    My name is Justin, I’ve been living and working in Spain for the past 24 yrs. Married to a local girl with two lovely daughters.
    Born in Birmingham ( England ) 47 yrs ago, served 4 yrs for my country of which I am entitled to a pension when reaching the grand old age of 60.
    The question in hand is this :
    With Brexit making waves in all kinds of directions, its more than likely , this year I will apply for Spanish Citizenship now
    Will this in any way affect my future army pension , if you could shed some light on the matter I would be most grateful.
    thanks

    • David Morris says:

      hello Justin, I am afraid I have no idea what Brexit will do. I think it is very unlikely that it will affect your army pension, but nobody knows for sure

  185. Hi, I’ve paid NI for 28 years by working in the UK. I lived in Australia from 1980 to 1995. Does the social security reciprocal agreement rules between the 2 countries up to 2001 still apply to the New State Pension i.e. from now on? Under the rules for the previous state pensions, years spent living in Australia prior to 2001 counted towards your UK state pension.

    • David Morris says:

      Hello Ian, regretfully I don’t know very much about the Australian reciprocal agreements. The new state pension did not change those agreements, as far as I know

      • w.smith says:

        I worked in england for 12 years, im i entitled to any pension i, now 61

        • David Morris says:

          hello Mr smith, yes – if you worked in the UK for 12 years you would be entitled to a partial UK pension when you reach pension age. The good news is that you can still make voluntary contributions from abroad, which will increase that pension

  186. hi , i was a professional footballer with liverpool F.C from july 1978 up until feb/march 1980 am i entitled to any
    part pension i am 57 now .

    • David Morris says:

      Hello Brian, if you live in Ireland, pensions come under EU rules – which means that any time spend working in any country in the EU is counted towards your ultimate pension. So you would be entitled to a part pension from the UK

  187. Ron Stephen says:

    I’m an autistic 59 year old full British citizen who was born and raised in Canada. I worked all over the world but only lived in London once, for 4-5 months, looking for work that didn’t pan out. Being autistic I was able to function very well in my youth but that became less-so as I got older and I became unable to work at age 42. I was on a disability pension in Canada but when my father died I decided to move somewhere inexpensive. I’m now living on my savings in Chiang Mai, Thailand at 10,000 baht a month but that is unsustainable in the long run without any income. If I am careful I can maintain this standard of living for about 15 more years. As my father was 95 when he passed away I need to plan for twice that.

    Can you tell me if there are any benefits I will be eligible for if I stay here and, also, do you know of somewhere in the EU I could relocate to where I could get enough benefits to have an acceptable quality of life?

    • David Morris says:

      Hello Ron, unfortunately, I simply do not have the information you are looking for. This website supports expats receiving the UK state pension. If you never worked in the UK, you would not be entitled to a state pension. I don’t know what other benefits may be available

  188. sharyn henry says:

    Dear David,

    I lived and worked in the UK for about seven years between 1986 and 1993 but did not make any voluntary contributions.
    Do I qualify for a partial pension once I retire?

    Kind regards

    • David Morris says:

      Hello Sharyn, if you worked in the UK, your employer would have made contributions to National Insurance on your behalf. You did not need to make voluntary contributions at that point. To get a partial pension, you will need 10 years of contributions. If you have credit for 7, then you will need to make voluntary contributions for 3 more years. You can do that easily from abroad.
      If you join us, we will send you an information package on how to get started

  189. Hi,

    I was reading other questions today and I see many gave more info than I did in my last post, so here goes again.
    I spent 4 years in the UK on a student visa (EU citizen) during which I worked and paid in National Insurance, that was 2007.-2010. When I left the UK I continued working for the UK company from abroad. I dont work full hours so I am not sure what a qualifying year is? Because sometimes my Ni contribution is deducted from my pay and some months when the pay is too low it is not deducted. I have worked like this since 2011, from abroad. So all together I have been working for UK company, from UK or abroad, since 2007, I am still working for them. I am not UK self employed. I just work for them from abroad now.
    Well, I see that this service is for Canadian citizens, but thought I d give it a try as I am not clear about this from what I read on the UK websites. I thought I Had to be at least self employed in the UK for these contributions to count.
    Thank you for your help in advance 🙂

    • David Morris says:

      Hello Rebeka, our website is for people entitled to a UK pension outside of the UK, so no worries.
      To be counted as a qualifying year for pension purposes, you need to have earned (and made NI contributions on those earnings) of £8,167 per year as an employee, or £6,025 as self employed. Those are the most recent numbers for this year. They would have been less in previous years. As long as you earned those amounts in a year, it would qualify as a credit for pension purposes. You can easily find out by applying for a pension statement. If you join us, we will send you a package of information on that, and other items, such as making voluntary contributions from abroad

  190. Oliver Warwick Broome says:

    Dear David,
    I was born in S Africa in 1975 but I am a UK citizen by descent. I lived in the UK for four years when I was a child. ( Aged 3 to 7 ). Upon leaving college in SA I returned to the UK in 1993 and worked for 10 months. The day before I left the UK for SA I was working and I started work ( self employed ) within a week of arriving in SA. I recently applied to
    pay class 2 voluntary contributions but was told that I could only pay Class 3. What should I do.
    regards
    Oliver

    • David Morris says:

      Hello Oliver, if you have been told that you can only pay Class 3, then all you can do is appeal. The UK Government is intent on phasing out Class 2 all together, so I wouldn’t be very hopeful.

  191. Ronnie Smith says:

    MY sister was married to a British citizen for 25 years. He was a soldier for 18 yrs in the British army and she receives a pension for his militarty service. is she eligible for a British pension other than the soldiers benefit which he paid extra for while in the service.
    Is she eligible for the British retirement as she was a naturalized British Citizen

    • David Morris says:

      Hello Ronnie, soldiers are entitled to the UK state pension, as well as the service pension. If your sister reached retirement age prior to April 2016, then she would be entitled to a state pension based on his National Insurance contributions. That pension would be roughly 60% of his state pension. Her citizenship doesn’t matter

    • Morag Herre says:

      My parents were both receiving British Pensions for a few years and for some reason cancelled them. My dad passed away 3 years ago but my mom is still alive and now wants to reapply for her pension and to see if there would be anything for her from my father’s pension. Is this possible and how do I go about helping her to do this?

      • David Morris says:

        Hello Morag, you can’t cancel the British state pension. What may have happened is that your parents received a “life certificate” which they had to sign and return to prove they are still alive. If they did not return that form, the pension is stopped. It will be reactivated, with back pay, once the form is completed. You need to contact the dept of Works and pensions in the UK and let them know the situation

  192. WILLIAM MAGUIRE says:

    Hello,

    I am 63 years old and a US citizen. I will be 65 in January of 2019. I worked in the UK from 1979 until 1985 and payed into the system. Am I entitled to a pension?

    Bill Maguire

    • David Morris says:

      Hello Bill, you will need 10 years of contributions to qualify, so you are not quite there yet. The good news is that you can make voluntary contributions from the US, which will get you to the 10 that you need. This is definitely worth doing financially

      • WILLIAM MAGUIRE says:

        Thanks for your reply David. Can I make these payments as a lump sum to get me there? And, how do I find out ho much I have to pay?

        Bill

        • David Morris says:

          Hello William, you can buy back up to 10 years, and pay those in a lump sum. If you join us, we will send you an information package on how to go about doing that

  193. Mike Robb says:

    I am hearing rumours regarding NI contributions whilst serving in the UK Armed Forces. The years you serve in the Armed Forces are being classed as “contracted out” and so do not count for the full pension. Is there any truth to this? I believe this may only apply to Pensions since April 2016.

    Keep up the good work

    • David Morris says:

      Hello Mike, yes – the years you served in the UK armed Forces are considered “contracted out”. This means that you are eligible for the Basic State pension, but not the State second pension. It applies to all pensions prior to 2016. The second state pension has been eliminated after 2016

  194. Alan Reeves says:

    Hello David
    I was born in the UK in 1952, i worked and paid NI from about 18 yrs of age up until about 1992, that is about from 1970 up until about 1992 (20 years) i now live in the US since 1992 and i am now 65 years old, can i claim pension and if so how do i go about it ? i thank you for your help…………Alan.

    • David Morris says:

      Hello Alan, yes, you are entitled to a UK pension, which you can claim this year, depending on what month you were born.
      If you join us, we will send you a complete info package on how to apply for the pension. If you do not know your NI number, we explain how to get that.

      • Alan Reeves says:

        Hi David
        I want to join but only through my cc, but it will not let me unless i create a Pay Pal account and i really do not want to create that account…please help……Thank You……Alan.

        • David Morris says:

          Hello Alan, you should be able to use your credit card. When you get transferred to the Paypal site, there should be an option on the page to use your credit card – not a Paypal account. Let me know if this isn’t available

        • Alan Reeves says:

          So sorry to bother you with the last question, i have just called on the telephone and joined that way, i do thank you though………Alan.

  195. Colin Shaw says:

    I am a UK citizen and receive the full UK state pension. My wife is Australian, born in April1952, and has a state pension age of 06/05/14. She has lived in UK for 4 years from 1978 – 1982 but didn’t work.

    She has then lived in UK from 1993 to the present, has an NI number and has worked in different jobs off and on, paying NI contributions for around 4 – 5 years. She hasn’t worked for about 12 years.

    We are staying in UK and do not envisage moving to Australia.

    Is she entitled to any UK state pension or indeed an Australian one?
    Thanks

    • David Morris says:

      Hello Colin, I can not comment on the Australian pension, as I don’t know the rules there. In terms of UK pension, she is entitled to a small pension in her own right, but she is also entitled to a pension based on your contributions. This pension is roughly equal to 60% of your pension. This will be better than qualifying based on her own contribution record

  196. Brian Carter says:

    David,
    I am a British citizen with Permanent Residency status in Australia.
    I have two queries one concerning myself and the other my wife.

    Firstly my wife.(DOB 2/11/1952),worked in the UK between 1969 and 1976.Would she be entitled to a part pension ?

    Myself.(DOB 6/8/1952).Worked in UK 1969- 1976 and 1978-1981.Would I be entitled to a part pension ?

    If yes to either could these be taken as ‘Lump Sum settlements and if so how do we go about initiating this ?

    • David Morris says:

      Hello Brian, your wife is entitled to a part pension right now, as she only needed 1 year to qualify. You need 10. You most likely have 10 now, but if not, you can still contribute voluntarily to buy missing years. So, you can certainly become eligible for a partial pension.
      You can not take the state pension as a lump sum. Your wife will have the option of taking as a long sump any pension deferred from her pension start date, which was in 2015

  197. Susan Lees says:

    Hi

    I am 51 and was born in the UK. I have 20 years of full contributions and I am trying to decide if it would be worth paying some voluntary contributions for any of the past 6 years or going forward. Do you know how much difference it would make to my weekly pension amount for each year I might pay voluntary contributions for?

    • David Morris says:

      Hello Susan, it is definitely financially worthwhile to pay additional contributions to buy extra years. It is difficult to give a precise figure for how much extra you would get, as it depends on the amount of the pension when you reach pension age. However, if you use 2016 as an example, you would get roughly £4.5 a week for every extra year. That is approx. £230 a year. It will be more than that when you reach pension age, as it goes up every year from now until then

  198. Natalie says:

    Hi

    I was born in 1946. I held a lot of part-time jobs from about the age of 15 until I finished University in 1967. I have no idea if I would have paid NI contributions through those jobs. I worked full time in the UK for about three and a half years between late 1967 and early 1974. I just wanted to confirm whether I would not be eligible for any UK state pension. I do not have my National Insurance number unfortunately.

    • David Morris says:

      Hello Natalie, you needed 10 years to qualify. Its hard to say whether you reached that. Depending on the part time job, they may have withheld NI contributions. If some of them did, you might have the 10 years you need.
      It doesn’t hurt to apply. If you join us, we will send you an info package on what to do next – including getting your NI number

  199. Bill Luz says:

    Hi,

    Im a Brazilian citizen. I went to study in UK legally from 2003 and lived there till 2011. . I got married and my wife is European. I contributed 5 years and I have National Insurance Number. My wife worked there 3 years with NIN. Do we have any rights? How do we claim? When? Thank you

    • David Morris says:

      Hello Bill, you can only claim your pension when you reach pension age. You didn’t tell me your date of birth, but I am guessing you are not pension age yet. You will need 10 years of contributions to qualify for any pension. The good news is that you can continue to make voluntary NI contributions from abroad. You can even buy back up to 6 years. Your wife is also able to make voluntary contributions. She will need to do that to qualify for a pension, as she will not be entitled to any pension based on your contributions.
      My best advice is for you to join us. We will email you an information package on what to do next, including how to make contributions from abroad. You can join us directly on this website by following the link.
      https://www.britishpensions.com/joinrenew/

  200. Simon Mills says:

    Hello,
    I was born on 14 July 1952 and I am a British citizen by birth. From the age of three I lived in Rhodesia and subsequently in South Africa where I now reside. I am thinking of moving to the UK and would like to know if I can buy a British pension.
    Kind Regards,

    • David Morris says:

      hello Simon, no – you can only get a pension by having worked in the UK for some period – usually 3 years.

  201. Soma Jeyendren says:

    Hello David,

    I lived in the UK , between April 1974 and Dec 1980 , then again between, Jun 1983 and July 1986. Between these dates I worked in various jobs and paid my National Insurance contribution. I have a National Insurance card. I am now an Australian citizen and 66 years old. Can I get UK pension ? please advise.

    • David Morris says:

      Hello Soma, you likely are entitled to a partial UK pension. If not, you are close – and you still have time to buy back a year or two which will get you to the minimum level. Don’t delay though, as you will lose the ability to buy back years as time progresses.

  202. Hi,
    I am British and worked ~8 years before my job transferred to Canada, where my wife and family emigrated to. She now has a UK pension and I am about to quality in about 6 weeks. I was in college for a couple of years and someone said that counted as working and thus I would be at 10 yrs?. Also my wife ( we are now separated) says I am eligible to get a pension based on her pension. I am a bit confused on all this. and wondering if this information is accurate. I now live in US and am getting a US pension. Am I eligible for any pension ? and do the assumptions I mentioned sound accurate?
    thanks very much for any information
    Stu

    • David Morris says:

      Hello Stu, if you reached pension age after April last year, then you can not get a pension based on your spouses record. However, you are close to qualifying in your own right. You will need 10 years to qualify, which can include credits up to age 16 – but not College. You can still make voluntary payments from abroad, which will get you to the minimum you need

  203. hi i worked in uk from 1970 to 1979 then moved back to ireland would i be entitled to state pension from england

    • David Morris says:

      hello Ann, under current EU rules, you will be entitled to a pension from the UK for the years you worked there

  204. Ian Macaskill says:

    I am trying to buy back 2yrs to give me the 10 yrs to qualify for the basic pension. However, despite numerous ph calls to the UK no one will give me an answer. How much will it cost to buy back the two years and what will the pension amount be.
    I have applied for the state pension but need this info.
    I have been in Canada since ’76 retired in May’15 and will be 65 next yr.

    • David Morris says:

      Hello Ian, if you join us, we can send you an information package that covers how to buy back years, what it costs and what the pension amount is

      • Ian Macaskill says:

        Hi David, I am already a member, #33479, send me the info package.
        Thanks
        Ian.

        • David Morris says:

          hello Ian, you would have received a package via email called MY CABP. Did you get that ?

          • Ian Macaskill says:

            Thank you David, I found the info in the package you had sent me earlier. I am now at the stage of sending them CF 83. Will they send me a statement on how much my payments would be and the date they have to be paid by ?

          • David Morris says:

            Hi Ian, yes – they should do that.

  205. Hello David, I was wondering if I qualify for a UK pension when I hit retirement age and if there is a benefit to making additional contributions. I was born in the UK in 1968 and lived/worked in the UK from age 16 until getting married and moving to Canada with my wife for six months at age 21..after this we returned to the UK and I worked (predominantly self employed) to approximate age of 26 at which point we returned to Canada and stayed. Any information you can give is much appreciated..thanks in advance..J

    • David Morris says:

      Hello John, you will need 10 years for a minimum pension from the UK. I don’t know how many years you currently have, but if you don’t have 10, you can make voluntary contributions to get you there.
      I would recommend that you make at least enough voluntary contributions to get you to 10, otherwise all the contributions you made in the UK will be lost.
      It is also a good financial deal to buy additional pension years going forward. The return on investment is excellent

  206. irene steven says:

    hello david
    i am living in australia, i was born in england in june 1949. my parents emigrated to australia when i was 14 years old, so i have never worked in england. however i am married to an english man born 1948 who is receiving an english pension. i was recently told, although i have never worked in england, i would be entitled to a partial pension. i was hoping you might be able to tell me if this is correct.

    thanks for listening
    irene steven

    • David Morris says:

      Hello Irene, yes – you are entitled to a spousal pension equal to 60% of your husbands pension. It would also be backdated to 2009, which is when you reached pension age. It doesn’t come automatically, you have to apply separately. if you join us, we will send you an information package on how to go about claiming the pension

    • Hi
      I live in Australia now but worked in England for 14 years am I entitled to anything I was on wages and paid national insurance

  207. Allan Thompson says:

    I’ve been living in The Netherlands since 1976. Prior to this period I worked for 6 years full time in the UK and paid national insurance. In three years time I’ll receive my Dutch pension. This will not be a full pension since one is only entitled to a full state pension if living uninterupted in this country from the age of 17. I was 23 when arriving here. Am I entitled to small UK state pension based on the 6 years of full time employment in the UK?

    • David Morris says:

      Hello Allan, yes you are entitled to a UK pension for the years you worked there. As you live in the EU, you need only apply to the Netherlands pension dept. They will arrange for the UK pension to be paid

  208. michael gahagan says:

    Hello i have lived in belgium 6yrs and in 2yrs reach 65 i opted out of serps about 20yrs ago and i am just wondering if i would still be entitled to a pension

    • David Morris says:

      Hello Michael, yes you are still entitled to the basic UK State pension. Serps was an additional pension. The basic pension is the main pension

  209. SIa Kiew Ling says:

    i’m wondering if i am qualify to British Pension. i was in UK from Feb 1972 to June 1977. In fact I got PR in UK. i was trained as state registered nurse and state certified midwife and worked as Staff Nurse with Work Permit in UK.I’m born in Feb 1952, currently stay in Malaysia. \

    • David Morris says:

      Hello Sla Kiew Ling, yes you would be entitled to a partial UK pension, based on the time you were there. You can apply for it from Malaysia

  210. Mary Mcgee says:

    hi, my husband passed away last year, he was receiving a partial British pension. Can you tell me if I am en tilted to anything based on his contributions, I live in the Republic of Ireland, I have never worked in the UK, my husband was born 1946 and I was born 1956

    • David Morris says:

      Hello Mary, no – you would not be eligible for a state pension based on his pension, but you may be eligible for some Bereavement benefits. You would need to contact the Dept of Works and Pensions in the UK

  211. Geraldine says:

    Hi there, just wondering if I qualify for UK pension. Born in Belfast in 1955 and worked for three to four years before immigrating to Canada in 1975. I have my number but was wondering if I qualify for a partial pension or could pay it up.

    Thanks for your help.

    • David Morris says:

      Hello Geraldine, you will need 10 years to qualify, but the good news is that you are still able to make NI Contributions from Canada, which will get you additional years. You can also buy back at least 6 years. That will more than get you the minimum
      Don’t delay though, as you lose the ability to make back payments as time goes by

  212. Dave Groves says:

    hi: I’m Dave, born may 10, 1944. worked for approx. 6 years before emigrating to Canada in July 1967. Do I qualify for any British Pension?

    • David Morris says:

      Hello Dave, unfortunately no. You are of the age group that needed 11 years to qualify for a minimum pension and it is now too late to buy back any years

  213. Hi,

    I was born in the UK in 1953 and left when I was 5 years old. I have never worked in the UK or been back to live.
    Do I qualify for any pension at all?

    Kind Regards

    • Sorry, I forgot to add that I am considering moving back to UK sometime this year. If I work over there for how long will I have to work to claim any pension (if I can claim at all)?

    • David Morris says:

      Hello Sue, no – you need to have worked there.

    • Jill Budd says:

      Hi, my husband was born in N.Ireland 1953 and has worked in Britain on and off which would nearly add up to 10 years although most of his working life has been in New Zealand. If he returns to Derry would he be eligible for the UK pension.
      From JILL

      • David Morris says:

        Hello Jill, he will need 10 years to qualify. The good news is that he can continue to make voluntary NI contributions from abroad, which will get him to at least 10. Yes, he will be eligible for that partial pension wherever he lives

  214. MARILYN MENDOZA says:

    hello i worked in the UK for about 10 years and made contributions for the National Insurance. On my tenth year I was on maternity leave and I did not go back to the UK anymore, instead I moved to USA. Am I qualified to get a pension when i reached my retirement age? If I relinquish my British citizenship will i still be qualified to get my pension?
    I was born on 1975

    • David Morris says:

      Hello Marilyn, you would need 10 years of NI contributions to qualify for a minimum pension. It sounds like you have that. You can also continue to make contributions from abroad, which will increase your pension. Your citizenship doesn’t affect pension eligibility. The only thing that counts is the number of years you contributed to the NI system

  215. Khoo Teng Hoe says:

    Dear Sir,

    I am 65 years old (born in 1952). I came to London in 1978 and ended up working there for 7 years with Holiday Inn located at Swiss Cottage. I have my NI number and make contribution for 7 years. I left and went back to Malaysia. Am I still be eligible or entitled to any pension?

    Any guidance or assistance would be greatly appreciated.

    • David Morris says:

      Hello Khoo Teng, you will likely need 10 years to qualify. The good news is that you are still able to make up to 6 years of back NI contributions, which will get you to the minimum. Don’t delay, though as you will lose the ability to make back payments over time. If you join us, we will send you a complete information package by email on how to get started, and how to make voluntary NI contributions from abroad

  216. Brian Moore says:

    my son as lived in the U,S,A for 35 years is dual national he paid in contributions for 5 years after leaving school before going to the U,S,A could he pay a lump sum to be able to claim any pension he does not no is national insurance number thank you

    • David Morris says:

      Hello Brian, I presume your son has not yet reached pension age. If that is correct, he will need 10 years of contributions to qualify for a minimum pension. He will be able to make back contributions for at least 6 years, so that will get him the minimum at least. He may be able to contribute more, depending on his age.

  217. Hi David, I am a Canadian female born in 1958, married a British man, worked in the UK for two years in the 80’s before returning to Canada. I have a NI number and contibuted for the two years. Am I able to buy voluntary and contribute to acheive a partial pension. Thank you for your advice. Susana

    • David Morris says:

      Hello Susana, it is not certain if you will be able to make voluntary contributions from abroad. The general rule is that you need to have lived in the UK for 3 consecutive years. However, if your 2 years there spanned 3 calendar years, it might qualify. You have nothing to lose by enquiring. If the DWP confirms your eligibility to make contributions, then you are good.
      If you join us, we can tell you how to apply for a pension statement, and how to determine if you can make voluntary contributions.

  218. Musa Morgan says:

    Hi David,
    Just wondered as I was speaking to my mother inlaw today who is 72 and a Malaysian who lived in the uk for about 25 years. She told me that she paid NI payments for about 11 years in the seventies whilst her husband was a student. Her four children all live in the UK but she moved back to Malaysia about 15 years ago but her husband passed away a few years ago so was thinking of moving back to the UK. Is she entitled to any state pension?

    Many thanks,

    Musa

  219. Hello David,

    I was born in April 1952 (65 nb) in Ireland and lived and worked in UK from 1989 to 1998. I returned to work and live in Ireland then. Am I entitled to a partial pension from the UK and what would it be? Is that something that is arranged through the Irish tax authorities at pension age?

    Thank you.

    Regards,
    Joe B.

    • David Morris says:

      Hello Joe, yes this is something you arrange through the Irish pension authority. They will contact the UK and arrange for a pension to be paid from them for the years you worked there

  220. Cheryl Smith says:

    Hi my brother in-law, is English he was out of the country for 20 years he has been back in the UK for 18 years with his wife.

    He has been working all the time. Will he qualify for the UK pension

    • David Morris says:

      Hello Cheryl, yes – he will get pension credits for every year worked in the UK, which will create a pension for him. He needs a minimum of 10 years working – which he has, so he qualifies

  221. Hello,

    i have worked in UK for 7 years, and now i live abroad,
    i would like to make voluntary contributions from abroad.
    How can i do that, is there any bank account i must pay to or i must send some documents over.. ?

    Thank you

    • David Morris says:

      Hello Linda, you will need 10 years minimum to qualify for a partial pension. The good news is that you can continue to make NI contributions from abroad. My best advice is for you to join us. We will email you a complete package of information on how to get started making contributions. We also keep our members up to date on pension developments in the UK

      Dave

  222. I Have worked in the UK from 1969 to 1995 or 26 years thereabouts , paying fill NHI conributions . From 1996 to approx. 2006 I became am employer , where I contributed type 2 contibutions . I know reside in Canada where I retired 10 years ago . Can you please inform me of my entitlements .

    Thankyou for your time .

    • David Morris says:

      Hello Hugh, you are certainly entitled to a UK state pension. I can’t tell you the exact amount you will get, because it is based on the total years credit you actually have. Any pension you receive would also be backdated to the date you reached pension age. This could be a nice sum of money.
      I suggest you join us as soon as possible. We will inform you how to go about claiming your pension.

  223. Kathleen Neal says:

    I was born in the UK in 1952. Worked in the UIK from 1967 to 1982 – when I migrated to Australia.
    Can you please let me know the procedures for claiming my UK pension.

    • David Morris says:

      Hello Kathleen, my best advice is for you to join us. We will send you an information package on what to do next

  224. Stephen D O'Neill says:

    I am 56 work 12 years in the uk moved to the states in 88 i am a perminant resident. i am now disabled would i still be able to get uk pension

    • David Morris says:

      hello Stephen, yes you will be entitled to a partial UK pension on reaching pension age. The good news is that you can continue to make voluntary contributions from the US, which will increase that pension

  225. Dear Sir,

    I was born in 1943 and worked in London as a nurse for 3 years in the 1960’s. Am I entitled to a partial pension? From what I have been reading I don’t believe that I am nor that I can top up? Any light that you can shed would be most appreciated. I left the UK after that.

    With sincere thanks,
    Sheila

  226. Hi David,

    I am a German citizen, born in 1973 and worked full time in the UK from 1999 – 2005. During that time I paid into the UK state pension scheme. My question is:
    1) Am I entitled to receive some sort of state pension from the UK when I retire?
    2) If not, is there a chance to claim the payments now and transfer them into my pension fund in Germany?
    3) any links to documents I would need to complete – if applicable

    Thank you.

    • David Morris says:

      Hello Barbara, under current EU rules you are entitled to a partial pension from the UK, for those years. You can not transfer them, but you will receive a pension paid by the UK. The current process is that you approach the local pension office of the country you reside in, once you reach pension age. They will take care of coordinating with the other Governments.
      Those are the current rules. I have no idea what will happen as a result of Brexit.

  227. Hi I am married and age 57 (58 this year) I worked full time for approx 10 years (1979-1992) years and have worked since 2005 self employed but fallen under the NI limit so been so called “exempt”. My husband has about 40 years so far of full NI. I presume I will not qualify for a full pension, but was interested to read about the 1/30th pension allowance which could be available. I am now considering should I start paying my NI contributions despite being under the radar amount, or not and if I would be eligible for any pension on my own and if I would be entitled to any top up. Both of us in UK and worked in UK. Many thanks for an amazing insight and “understandable” article !!! Thanks for any help x

    • David Morris says:

      Hello Ella, at your age, you will need 35 years of contributions for a full pension. If you have less than that, it will be prorated on a 1/35th basis for each year you do have. You can certainly make voluntary payments for any gaps in your history, and this would get you additional years credit for the pension.

  228. Mark Track says:

    Hi David. I just turned 65. I am a Canadian citizen permanently resident in the UK. I qualify for a partial UK State pension and partial Canadian CPP. I received letters from both authorities stating so.

    My question: can I elect to apply separately for my Canada pension entitlement (CPP + OSA) and my UK state pension? Or must I apply to transfer all my Canada CPP contributions (+20 years) to the UK, and only apply under the UK system.

    • David Morris says:

      Hello Mark, you can apply for both pensions independently of each other. You can even take them at different times. You do not need to transfer credits.

  229. Liviu Dobre says:

    If I start employment next month (my age is 59 years) and work till 65 years old as employed on minimum wage in the UK do I benefit from any pension in the UK. I know that on minimum wage there are no National Insurance contribution to be made. I have someone that is employed on minimum wage and he showed me on his pay slip that he doesnt pay NIC because of his wage.

    Thank you.

    • David Morris says:

      Hello Liviu, if you are currently living and working in the UK, then you need to contact the local offices of the pension Dept. I am not up to date with all the benefits available to UK residents.

  230. Bridget Curry says:

    I’m wondering if I will qualify for a top up of my british state pension when my husband retires in June 2017. He will have 22 qualifying years on the new state pension rules and I currently receive my pension under the old rules, having qualified in 2015 with 6 years. I’m hoping I can get more through his NI contributions!

    • David Morris says:

      Hello Bridget, yes – you will qualify for a top up when your husband retires (if June is his official pension age), up to a maximum of 60% of his pension.

  231. Wendy Brown says:

    Am I reading this correctly? I’m a British woman born in 1952 (almost 65). I only worked a year in the UK. I’m assuming I contributed since I worked as a teacher in Kent. Based on my gender and age, does that entitle me to a partial pension of 1/30th of a full pension? Can I receive this and still continue to work in the US? How do I find out what my NI number is? I have no documentation that lists it. Thanks!

    • David Morris says:

      hello Wendy, yes you are entitled to a partial UK pension. You also still have the option of buying back a few years, which will increase it. You can contribute voluntarily from anywhere in the world, and can receive the pension anywhere. If you join us, we will send you an information package on how to get started, including applying for your NI number

  232. Beatrice Gaymer says:

    Hello, I have been married to my husband for two tears. He has a state pension in the UK and I am a Canadian Citizen. My question would his state pension move over to myself should anything happen to my husband. I know how our pension in Canada works with CPP . The wife would receive 60% of the CPP pension. How would that work from the UK.
    Thankyou for your time.

  233. John Sherratt says:

    I am considering returning to the UK. I only worked there for about 5 years in the late 1970’s. I have lived in Canada since 1980. I am also a dual national. Would I be eligible to contribute what is needed to qualify for a UK Pension? And how would I go about doing it? Thanks

    • David Morris says:

      Hello John, depending on your age you should be able to make voluntary contributions to make up the shortfall. if you join us, we will give you a complete information package on how to get started

  234. Doug pope says:

    Hello
    i worked in England for 6 year from 1970–1976 would i be able to collect a uk pension ,i was born in 1955
    I now live in canada
    thanks

    Doug

    • David Morris says:

      Hello Doug, you will need 10 years to collect a partial pension. The good news is that you can contribute to the pension scheme from abroad. You can at least buy the years you need to get the minimum pension, and you can increase that pension by making further contributions

  235. Jane Langille says:

    I worked for 12 years in England – where can I find the forms to apply for my pension. I started the online application but came to a standstill when I was asked for my UK address. Have been in Canada for 35 years.

    • David Morris says:

      Hello Jane, if you join us we will send you an information package, which includes how to claim. The forms are available form the pension centre in the UK

  236. Hello,

    My husband worked for 1 year at the age of 67, because of his age he didn’t have to make any NI contribution. Also he has health issues, kindle let us know if he is eligible for any pension in UK.

  237. Sue Hibbs says:

    I am aged 53 years of age and have always lived in UK. I want to move to America within the next couple of years. I have always worked, except for being unemployed or on maternity leave. What sort of pension could I expect to receive and from reading these messages I will get a pension. Thank you.

    • David Morris says:

      Hello Sue, yes, you will be entitled to a UK state pension. The exact amount will be based on the number of qualifying years you have. To get the full pension, you will need 35 years, so if you have less than that it will be simply prorated according to the number of years you do have. I can’t tell you what the amount will be, as it will be based on whatever the full pension is in the year you reach pension age. As a guide, the full pension today is about £150 a week

  238. Natasha Davis says:

    I’m an Australian citizen with a UK right to abode at the time when I lived and worked in the UK in 1998-1999. I know I paid into a pension fund while I was there, but whatever happens to the money I paid?

    • David Morris says:

      Hello Natasha, if you paid into the State pension system the money you paid will be lost unless you qualify for a state pension. Depending on your age, you may still be able to qualify as long as you have made the minimum contributions needed.

    • Do years working in Australia count as QY qualifying years of UK pension?

      • David Morris says:

        Hello Lesley, no. You have to have worked in the UK or made voluntary contributions to the NI system in the UK

  239. Michael Robb says:

    I will soon be applying for my UK Pension. I did the “estimate” two years ago and got my reply from UK Gov.
    My question is ..”Can I apply for Tax Exemption in advance or do I have to wait for the Pension first”.
    This is the link to the form I found ……

    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/452984/canada-individual.pdf

    Keep up your excellent work.

    • David Morris says:

      Hello Michael, you do not normally need to complete that form. The UK pension department knows that Canada has a taxation treaty. That form is usually only needed in the event that they made a mistake – or if you are still considered a UK resident for tax purposes

  240. Sandra Temple says:

    I started working in Scotland in 1967. Stopped working in 1978 to have my kids. Emigrated to Canada in 1981. I wonder if I am entitled to a pension>>and how do I go about applying??

    • David Morris says:

      Hello Sandra, yes, you should be entitled to a partial UK pension. In terms of applying, my best advice is for you to join us. We will send you an information package on how to apply, and how to make continued voluntary contributions that could increase your pension. You can join us by clicking on the link below
      https://www.britishpensions.com/joinrenew/

  241. Steve Pearson says:

    Hi
    My name is Steve. I was born in March 1943 and I am still working. I would mention that I am in receipt of state pension since as well as several small private pensions. Do I still qualify for the new State Pension Scheme from my Employer?

    • David Morris says:

      Hello Steve, I am afraid I don’t understand your question. If you are already receiving the UK state pension, then that is the only state pension you qualify for. You can continue to work while receiving your state pension, but you are not eligible to make any more National Insurance contributions, and will not qualify for any new pension entitlement

      • Steve Pearson says:

        Hi David
        I raised this question as other employees will get the benefit of being enrolled in the pension scheme but it would seem that because of my age and situation I will lose out.

    • hi,

      I’m aged 60, worked in the uk for 4 summers (not full years), can I build up any entitlement with voluntary contributions or am I below the minimum threshold?
      thanks

      Donald

      • David Morris says:

        Hello Donald, provided that your employer was withholding NI contributions (which they are obliged to do), you would be able to reach the minimum threshold of 10 years by making some voluntary contributions from abroad

  242. Hi,
    i now live and work in Republic of Ireland due to retire next year, worked 11 full years in Ireland and 31 years in UK, can I apply direct at 65 for my UK pension, I understand it is 66 here in Ireland and will my pension be reduced if I claim the full Irish pension which I think I qualify for?
    thanks for your help,
    Richard.

    • David Morris says:

      Hello Richard, you are entitled to a pension from every country in the EU where you worked. I don’t believe any of those pensions will be reduced. Other than that information, I can’t really help you with specifics of EU pensions. I am not aware of the details of that system. Our website here is focused on British pensioners who live outside of the EU and have their pensions frozen.

    • Joseph Kombeaku says:

      I have worked in the UK for 12 Years and wish to live in Ghana as I as I am now retired. Will I have to visit the UK before I can qualify for my state pension at 66yrs?

  243. Colin Martin says:

    Hello,
    I am male and was born in June 1949 and I believe I had two complete years employment in N. Ireland. (june 1966 to August 1968). From reading your articles I understand that I could be entitled to 2/30ths of the weekly pension.

    Is this correct? or does already having a full Irish/EU pension preclude me from getting a partial UK pension?

    • David Morris says:

      Hello Colin, any work experience in any EU country counts towards your final pension. When you apply for your pension in Ireland, you should tell them about your work in the UK. They will ensure that any pension entitlement from the UK is included

  244. Hello

    I worked in London and made NI insurance payment from 1997 to 2007. Can I draw a pension? I now live in Canada. Thank you for your assistance with this query

    Rosemary

    • David Morris says:

      Hello Rosemary, yes, you should be able to qualify for a partial UK pension, once you reach pension age. You can also increase that pension by making voluntary contributions from Canada

      • Great, thank you so much for this. How do I go about making voluntary contributions. I guess I should start soon as I am 55
        Thank you so much for all your help.

        Rosemary

        • David Morris says:

          Hi Rosemary, my best advice is for you to join us. We will send you a complete information package on how to proceed. Our volunteers are also available in the office to answer questions, and we keep our members up to date on pension developments

    • Alan Miller says:

      Good Day,
      I worked in N. Ireland for 5 years. I will turn 65 in July and live in Canada. Would I be entitled to a pension from the UK?
      Thank you

      • David Morris says:

        Hello Alan, you would need 10 years of NI contributions to qualify for a minimum pension. The good news is that it is still possible to make back payments to obtain at least 5 missing years, which will get you there. Don’t delay though, as you lose the ability to buy back as time goes on.

        • Thanks for the information!!

          • Alan Miller says:

            I was recently in Belfast and have determined I have over 10 years in NI contributions. What procedure do I follow to apply for the UK pension?

          • David Morris says:

            Hello Alan, my best advice is to join us. We will send you a complete information package on how to apply, and how to make catch up payments to increase your pension

  245. Mathew Smith says:

    I was born in 1977 in Australia and became a british citizen through my mother who was born in UK. Having never worked or lived in the UK. If I become employed by a UK company while working outside of the UK (but pay tax etc to the UK) will I still get the UK pension ?

    • David Morris says:

      Hi Mathew, citizenship doesn’t matter for pension purposes. What matters is if you made National Insurance contributions. If the company you work for makes NI contributions on your behalf (separate from taxes) , then you would qualify

  246. Hello!

    I am Romanian, 38 of age. I started working for an English company a very short while ago and I am soon going to London to apply for my NIN. I will be earning 550£/month.

    Will I be entitled to any pension if I will have worked a year for the company or do I need to work at least 3 years to be getting anything?

    If yes, how much would I be receiving?

    Thank you in advance for your answer!

    • David Morris says:

      Hello Aurelia, you will need at least 10 years of working to qualify for a minimum pension. In terms of how much you would get, I have no idea. You won’t receive any pension until you reach pension age, which likely will be 68 – so you have another 30 years to go. I have no idea what the pension amount will be in 30 years.

    • FULOP NOEMI says:

      Hi David,

      My father is from Hungary ,he was 65 years old in November.
      He lives in the UK from May with me /I am his daughter:) never has worked here before just in Hungary I wondering how could I help for him and claiming the EU pension for him.

      THANK YOU ,

      NOEMI

      • FULOP NOEMI says:

        i just forgot to mention that my daddy gets the pension from Hungary as he is retired for a while.
        just wanna know exactly he is eligible for the UK OR THE EU pension?

        kind regards

        Noemi

        • David Morris says:

          Hello Noemi, if he is already collecting a pension from Hungary, then that is the EU pension. he would not get another from the UK

      • David Morris says:

        Hello Noemi, for EU pensions the procedure is that you should make the claim to the country he is residing in. You should contact the local pension office in the UK and they will take care of arranging for the Hungary pension to be paid

  247. Hello,

    My mom lives in Canada, is 79 years old and has been receiving UK benefits for quite some time now. My father, who was a British war vet born in 1933, received 2 sums a month — one was Disability for the injuries caused while doing his military service, and the other was a pension from England; the pension was roughly 130£/mo. We informed veteran’s affairs when my dad passed away in 2004. We assume they informed the pension office since both checks then stopped.

    Here’s the thing that we do not understand: in 2002, my mom was receiving roughly 78£/mo (again, this was before my dad passed). She now receives about 90£/mo. Isn’t she supposed to be receiving half of his pension, too? If so, that would another 65£/mo a month for her!

    Also, do you have any idea who to contact about this with the British government if this is the case? which form to fill out? I am completely lost!

    Many, many thanks!

    CS

    • David Morris says:

      Hello CS, the way the system works is that your mother would have her pension increased to the same level as your father, when he passed away. She would not receive her pension plus half of his. If her pension was less than his, it would be increased to match whatever his was. This only applies to the state pension. If your father was receiving any other pension as well, your mother may or may not be entitled to any of that, depending on the rules for that pension scheme.

  248. Willie M Essibrah says:

    Hello, my name is Willie Essibrah. I am originally a Ghanaian and in 2002 ! went to do my Masters in England. During my six years legal stay in England, I worked and contributed to the state Pension. Although I never acquired British citizenship, I still have my NI number. However after my studies I migrated to Canada where I am currently a Canadian citizen since 2009.

    Could you please advice as to what I can do with my pensions contributions. Do I qualify for any pensions or do I have to top up to make up to the 10 years minimum? How do I go about it? I am now 48 years.

    Please advise.

    Thanks

    • David Morris says:

      Hi Willie, you will need 10 years of contributions to qualify for a minimum pension. The good news is that you can top up your 6 years to make that 10 by making back contributions. Even better is that you can continue to make contributions from abroad until you reach pension age. That will get you pretty close to a full pension. By best advice is for you to join us. We will send you a complete package of information on what to do next. As a member, we will also keep you up to date on pension developments in the UK, and of course, our primary goal is to lobby the UK government to fully index the UK pension paid in Canada

  249. Dear David
    I was born in England in nov 1945. I worked approximately 3 or 4 yrs cannot remember exactly how long and how much I made. I left England several times over the years and finally resided in the USA in 1974 permanently and I’m now becoming a US citizen. At this very moment I am in the process of naturalization. I am curious if I am able to get any pension from the UK, I don’t know my NI number. Is there any help you can offer me and is there any hope in my case. Thank you

    • David Morris says:

      Hello Mr Hall, yes – you do qualify for a small partial pension from the UK. You are of the age group that only needed 1 year of pensionable employment. If you join us, we will send you an infrmation package on what to do next – including how to find your national insurance number and how to apply for a pension

  250. navtej singh says:

    hi my name is navtej, i moved to uk in 2007 aug and worked in uk for 7yrs in construction company.i m pemanent resident of uk . nut in 2014 sept i moved to canada as a work permit holder for job. i m residing now its 2017 now.
    am i be able to get any pension or contributions back? and if i moved to usa can i still get that back?

    please advice how and when

    • David Morris says:

      Hello Mr Singh, you can not get contributions back. You may be eligible for a partial UK pension though, depending on your date of birth. If you tell me what it is, I can advise you

  251. Anya Phillips says:

    Hi I am british and worked from 1988-1994 .I have lived and worked in Ireland since 1996. Would I be entitled to any pension? I am 46 at present. Is it possible to make contributions to bring me up to 10 years. Thanks.

    • David Morris says:

      Hello Anya, as you live in Ireland, you come under EU rules for pensions. Under current rules, your work experience in the UK would be counted towards your ultimate pension, so you would not need to make more contributions. However, no one knows what Brexit will bring, so the rules may change

  252. Hi, my name is jonothan. i started work in england in 1969/70 and emigrated to Australia in 1994 so thats around 25 yrs or so of work in england. am i entitled to a full pension when i retire and at what age can i claim it? i was born in 1955. my wife also worked in england from 1976 to 1994 is she also entitled? she was born in 1958. thanking you in advance for your great advice

    • David Morris says:

      Hello Jonothan, you are not yet entitled to a full UK pension. (you would need 35 years of NI contributions for that). You ARE entitled to a prorated pension, which is simply 25/35ths of the full pension. The good news is that you can continue to contribute to the NI scheme, and can make back payments, to get you to the 35 years you need. Your wife is in the same position. She is currently entitled to a prorated pension, but can continue to contribute from abroad. This us definitely worth considering. Your pension retirement age will be in 2021, and your wife’s will be in 2024

  253. Graham Reginald stokes says:

    i was born in the UK i have my national insurance number, i left school and began work in 1969. i i left the UK and have been living in Australia since 1983. i will be 65yrs old in November 2018 will i be eligible to a part pension and how do i go about it.

    • David Morris says:

      Hello Graham, yes, you will be eligible for a partial UK pension. (You can also increase that pension if you are willing to make additional contributions from abroad – this is worth considering). My best advice is for you to join us. We are a not for profit organization, supporting UK expat pensioners. We will send you a complete info package by email on how to start the process (including how to make voluntary contributions)

      • SUSAN HALDANE says:

        Can you please send me one too. I left the UK in 1981 at 23 years old. Working since I was 16, but was laid off one year before going to Canada. so I’m guessing 6/12 years working before I left. Will I be eligible for anything??

        • David Morris says:

          Hello Susan, you will need 10 years to qualify for a minimum pension. The good news is that you can still contribute from Canada to reach the 10 year minimum. If you jouin us, we will send you an information package on how to get started, including how to make contributions from abroad. It is worth doing, as otherwise you will lose the 6+ years you already contributed

        • SUSAN HALDANE says:

          Can you please give me information on how I can join this group and about the cost. thank you

        • SUSAN HALDANE says:

          I just read on your page that its 25 pounds to join, but will that include all the info and how much top up on contributions, I will have to make?? Mailing addresses here in Abu Dhabi take forever can it be sent by e-mail?

  254. Hello,

    I worked in the UK as a temp and self employed from July 1997 – May 2007 when i moved to Spain……. and have been living in spain for 10 years now. So it seems I missed the 10 years required by just a bit over a month.

    When I reach retirement age (I am currently 47), will I be entitled to a Uk pension? I have dual Australian/British nationality.

    Many thanks!

    • David Morris says:

      Hello Marisa, if you worked in Spain then you will not necessarily have missed the 10 years in the UK. Pensions in the EU are harmonized, which means (among other things) that any time worked in Spain will also count towards your UK eligibility. What is not clear, of course, is the effect that Brexit will have on pension rules. You might be wise to make at least 1 voluntary contribution to the UK scheme, which will give you the minimum you need for a partial UK pension.
      If you join us, we will send you an information package on how to do that. We also keep our members fully informed of pension developments – including in the EU

      • Carolina Fialho says:

        Hi,
        I have been trying to understand if oaying the pension every month is worth it in my case. I live in england only since february 2014, it will be 3 years now. I am planning to stay only a few years, I would say 4 or 5 on total, and I have been paying for the pension scheme. After this I would come back to portugal. So, my question is, what I have been paying will be part of the 10 years once I move to portugal or will it be “ignored”? Is it worth it on my case to deduct for the pension or should I stop as I m in england only a few years?
        Thank you

        • David Morris says:

          Hello Carolina, contributing to the pension scheme isn’t optional. Your employer is required to make those deductions. Under current EU rules, any contributions made in the UK count towards your overall pension, so they won’t be lost. I don’t know what implications Brexit will have on that

  255. Colin Tipping says:

    I live in America and receive a partial State pension from England. When I die is that pension transferable to my wife who is an American citizen or dies it die with me?

  256. June Rubin says:

    I’m a Canadian woman married 32 years to a U.K. expat. He’s been receiving pension checques in my name for several years claiming they were still intended for him. British friends have told me lately that the cheques were Category B, meant for him until I reached age of 60 (which I did in 1992). At that time the cheques were to be given to me.

    Please enlighten me and thank you,

    June

    • David Morris says:

      Hello June, those pension cheques were intended for you. Category B pensions (spousal pensions) are paid to the spouse. That’s why they were in your name. Your husband receives his own pension, and you receive the spousal pension

  257. patrick turner says:

    hi i have a question for you my step father is a british subject he imigrated to australia when he was 15 he has never become an australian citzen he has always remain a british subject my question is because he never worked or lived in britian after he was 15 would he be entitled to a british pension he was born 16/11/1950 he is now departed but his wife my mother is still alive.

    • David Morris says:

      Hello Patrick, unfortunately no, your step father would need to have worked in the UK and paid into the National Insurance fund for at least 1 year

  258. una mcgoldrick says:

    I have been told I have 9 years qualifying and currently not entitled but I now live in Ireland therefore can I top it up t o10years

    • David Morris says:

      Hi Una, if you live in Ireland, you come under the EU rules for pensions. Unfortunately, I can’t help with that as they are quite complicated.
      I believe you are supposed to contact the pension dept in Ireland about this

    • Hi, Can you please advise if category B pension is still available for my wife who did not work in UK when I retire in a couple of years at 65 with 20+ years of pension. I live in Canada

      • David Morris says:

        Hello Richard, category B pensions are no longer available for anyone reaching pension age after April 2016

  259. Michael Dooney says:

    iHello I emigrated to Australia in 1975 i get 46 pounds a week English pension plus Australian Pension Question If i become an Australian Citizen will i lose my English Pension
    Thanks Mike Dooney

    • David Morris says:

      Hello Michael, no you will not lose your UK pension by becoming an Australian citizen. Your UK pension has nothing to do with citizenship.

  260. Hi, I turned 65 in May this year. I worked in the UK from Sep 1968 and gave up work in Oct 1980 to start a family. I have since moved to Australia. Do I still qualify for a UK pension as I have lost my National Insurance #? If so how much would I qualify for?

    Many thanks.

    • David Morris says:

      Hello Marie, provided that you paid National Insurance when you were working, you would be eligible for a partial UK pension.
      How much you would get is based on the number of years credit – which could also include time spent raising a family.
      If you join us, we will send you a package of information on how to get started, including getting a pension statement, and obtaining your National Insurance number

  261. Hung Nguyen says:

    Hi,
    I am going to be 65 on Dec 26 2016. I work approximately between 2 to 3 years from 1978 to 1982. I am now in the US , getting ready to retired. Just wonder if I qualified for any partial pension at all
    Hung

    • David Morris says:

      Hello Hung, you will need 10 years of work credits to qualify. The good news is that you are able to make voluntary payments from abroad to buy back additional years.
      If you join us, we will send you a package of information on how to do that. Don’t delay though, as you will lose the ability to buy back years as time goes on

      • paul hemsley says:

        Hi, im a UK citizen who went to Australia as a child migrant in 1962.I have returned to UK several times many years ago and worked there for about a year and a half.I have just turned 65 and currently reside in Thailand. Am i eligible for a part pension and if so can I make up payments.Also could I do this without returning to the UK.Thank you Paul.

        • David Morris says:

          Hello Paul, providing you have a National Insurance number (which you likely have), you can make voluntary payments from Thailand. You do not need to return to the UK. You will need 10 years to qualify for a minimum, and you should be able to make sufficient back payments to get you there. Do not delay though, as you will lose the ability to make those back payments as time goes by

  262. Hello, I am Latvian citizen, working in uk since July 2009 till December 2016, it is 7.5 years, and I am leaving England now, I am only 30 years old, but tell me please when I get my pension age, can I Claim to any pension from England?

  263. Edi Stephenson says:

    Hi David,
    I was born in Scotland and lived and studies there until I was 22. I moved to England and worked there for 5 years. I did some holiday work prior to that. I moved to Australia in 1975 and still live there. Will I be eligible for a British pension? I am currently 58.

    • David Morris says:

      Hello Edi, you will need 10 years of work to qualify. You likely are reasonably close to that already. The good news is that you can make further contributions from abroad to buy additional years, which will get you to at least the minimum. This is certainly worth considering. If you join us, we will send you an information package on how to get started

  264. Hi David

    My husband who is originally Egyptian worked in Italy for 20 years and has 19 years of contributions while working in Italy. After we married we moved back to the UK in 2010 and we did try to transfer his state pension from Italy through the UK pensions Department here but after they wrote to Italy they were told he had to have contributed for 30 years to get anything at all.

    He has just been granted British Citizenship here and will be 72 years old in February 2017.

    He started an importing business 3 1/2 years ago initially on a self employed basis, but registered a Limited Company for it in May this year. He was told he was too old to make any national insurance contributions even on a voluntary basis. He’s unable to take any salary or profits from the business as it’s still growing and not making enough yet to do so.

    As a British Citizen, can they not take his 19 years of contributions into account to give him a % basic state pension?

    I am unable to work through a long term disabling illness and I am getting ESA in the support group at the couple’s rate, but we really are struggling to survive from month to month, so anything he might get from a basic state pension would be very helpful.

    • David Morris says:

      Hello Sharon, as you live in the UK, and worked in Italy, you come under EU rules for pensions. I am not familiar with those, but my understanding is that any years worked in any EU country count towards a pension.
      I also am not knowledgeable on any other benefits you may be entitled to in the UK
      Sorry

  265. George Ureche says:

    I was born in Romania in 27 09 1978, I started work in uk in 28 02 2014 and i will be in England until 15 09 2017 are 3,5 years . Can I take any pension when I have 67 years old or I need to work in uk at least 10 years .Thank you

  266. LJ Stevens says:

    I’m American. I was born in 1953 lived in the UK from Sep 1981 until June 1988.

    I attended university for the first 3.5 years. Afterwards, I worked for a small computer shop that has since gone out of business. During this time I was covered by National Health.

    Am I entitled to a pension of any kind, small though it would be?

    If so, how do I go about trying to get it?

    If you cannot answer, can you tell me how to research this?

    Thanks.

    • David Morris says:

      Hello LJ, you will need 10 years to qualify for a minimum pension. The good news is that you can still buy back some years, which will get you to the minimum you need.
      if you join us, we will send you a complete information package on how to get started, including how to get your National Insurance number and a current pension statement

  267. Christopher Richards says:

    Hello Ryan,

    I live in the USA and I’m a British citizen. I’m 65. My first job was in 1967 and worked on and off including going to college until I left the UK in 1979. I have my National Insurance Number.

    Is there any benefit I’m eligible for?

    • David Morris says:

      Hello Christopher, yes, you should be eligible for a partial UK pension, and you also have the opportunity to increase it by making voluntary contributions to buy back some years. Don’t delay though, as you lose the ability to buy back years as time goes on.
      if you join us, we will send you a complete information package on how to get started, including how to make voluntary payments.
      You can join online on this website by clicking on the link below.

      https://www.britishpensions.com/joinrenew/

  268. John Smith says:

    Hi David,

    I worked as a doctor in the UK for about 8 years in the 80s and 90s. I then moved back to Ireland and have not worked there since. How do I find out my state pension entitlements? I have tried using the Gov.uk website, but I can’t create a profile as it does not recognise me. Is there an email address I can contact to find out details relevant to me? Will I be able to purchase additional years to build up my UK state pension benefits? I was born in 1963.

    Many thanks for your help.

    • David Morris says:

      Hello John, as you live in Ireland, you are part of the EU. Pensions in the EU are harmonised, and the rules are very different from non EU countries. I am not really able to help, as I am not familiar with the details of EU pensions. I believe you have to contact the pension office in Ireland. They will take care of calculating eligibility from all countries worked in the EU

  269. I am a British citizen who worked 22 years in armed services and a further 6 prior to that in uk but 2 if which were yts. I live in Thailand no uk address . Am i entitled to the pension abroad, Can i top up years ie pay NI. i am only 46

    • David Morris says:

      Hello Matt, absolutely yes to both questions. You are entitled to a UK state pension – payable anywhere in the world, and you can top up years from Thailand.
      If you join us, we will get you started on what you have to do next

  270. Anne Noonan says:

    Hi There – I am 59 years old, and an Irish Citizen. I worked in the UK for 6 months in 1975. I presume I just let these contributions drop as I imagine there is no way I can buy years back with so few contributions? Could you confirm this please?

    I wonder also if I did in the future work in the UK for 3 years (and that is a possibility as I work for a multinational) – and did succeed in adding to those 1975 NI contributions – could I build any sort of pension?

    Best Regards and thank you

    • David Morris says:

      Hello Anne, are you living in the EU ?

    • Renuka Patel says:

      Hi David I will be 63 years on 12.6.2017 I have worked full time from 3rd July 1972 to 2.12.76 & part-time for 2 years prior to 1972.. Do I qualify for state pension? I currently live in Australia. I have lost my National Insurance number but should be able to locate it.

      Thank you for your assistance.

      • David Morris says:

        Hello Renuka, you will need 10 years to qualify, but the good news is that you still have time to make voluntary contributions from abroad which will get you to at least that level.
        If you join us, we will send you an information package on how to get started, including making contributions from Australia

      • Renuka Patel says:

        Hello David..
        Please let me know what needs to be done to join you and advise your charges. I would appreciate it if you can send details to my e.mail address. thank you for your help.

  271. Dear David,

    I am ’68 born and had stayed and worked in UK for five year during which I made National Insurance contribution. Would I be eligible to receive UK state pension?

    Any guidance from you would be greatly appreciated.

    Thank you.

    • David Morris says:

      Hello Paul, yes, you should be eligible for a partial UK pension, payable effective when you reached 65.
      If you join us, we will send you a package on how to get started to claim it

  272. Hello,

    My father had 8 years service time paid into the British state pension before he moved to Canada. We are looking to top the 8 years up to 10 yrs but have ha difficulty with the application process. Father is 64 yrs old and had not worked for 4-5 yrs. Would be be able to apply for class 2 or only class 3? Quite a big difference in cost -wondering the requirements.

    • David Morris says:

      Hello Justin, the rules for Class 2 are not straightforward, and they don’t make it easy. If you are a member, this is one of the things that we cover in our membership package.

  273. Brenda Livermore says:

    I worked in the UK from 1965 to 1971 – only six years. I turn 65 February 2, 2017. Am I entitled to a British pension?
    Would it be worthwhile?
    Thank you,
    Brenda

    • David Morris says:

      Hi Brenda, yes, you are eligible for a partial UK pension. Absolutely it is worth it. You may still be able to buy back a couple of years as well. Don’t delay, as you will lose that ability over time.
      The pension is also payable from when you reached pension age.

  274. Belinda Robson says:

    Hi there,my husband and I have been living in South Africa, me for 17 years and he for 30 years. We are both UK citizens and have decided to move back to the UK because of the state this country is in. It appears to be getting worse as time goes by.
    We will be buying our own property when we return.
    My husbands DOB is 06/05/1952
    mine is 17/02/1965
    I did pay NI contributions when I worked for 10 years but my husband only ever worked in the UK for 3 years before moving to South Africa.
    Seeing as we are both UK citizens and hold British passports are we entitled to pensions/ cold weather payments and National Health Benefits

    • David Morris says:

      Hello Belinda, I can not comment on what benefits are available if you live in the UK. It has changed a lot since I lived there, and I am not up to date on the current benefits. In terms of state pension, you are entitled to the minimum pensions based on your 10 years. Your husband will also need 10 years, but he still has time to make back payments to get him there, providing he acts quickly.
      I suggest you join us, and we will send you a package on information on how to get started

  275. Good Afternoon David.
    i am now member now of CABP.
    I did write you around August 8 and thank you for the replies.
    I will be 65 in Aug 2017, Will have approx 19 years NI contribution after top ups. I have written to UK Pension if i could top up more before next year but have not received reply, Not sure if i can contribute more as i have short time before my applying for pension. I will also be sending application for CPP & OAS, i have been in Canada for past 41 years.
    My question is , when will be the best time to send the application through for processing ? Will this effect my CPP & OAS?
    Thank you in advance
    Kind Regards
    Ken

    • David Morris says:

      Hello Ken, your UK pension has no affect on CPP entitlement. In terms of OAS, your UK pension income is counted as part of your total income, to determine whether any of your OAS will be clawed back. The threshold for that is quite high. You need to be earning at least $74,000 a year from all sources to have any affect on OAS.
      In terms of best time, it doesn’t matter. You could even delay taking your pension, which will mean you get a bigger pension when you do finally take it

    • Good Morning David.
      I will be requesting Pension Forms from UK in a month or so as i become 65 in August
      I was told that, if I have HSBC account they can directly deposit in Pound Sterling. Do you think is it wise to open an account for this purpose ? any benefits to to this .?
      Or just give normal banking info and let them deposit.
      Will appreciate your feedback.
      Thank You
      Kind Rgds
      Ken

      • David Morris says:

        Hello Ken, it is very difficult to open a sterling bank account in Canada now. HSBC no longer offer it.
        If you were able to do it, the only advantage would be if you were planning to holiday in the UK frequently, and you could avoid currency conversion.
        Most people provide their local currency bank account, and the UK Government deposits it in the local currency

  276. M Chadwick says:

    My husband was born in Canada and worked there fro1955 -72 when we moved to the US. he passed away a few years ago, I tried to apply for a widow’s pension but was denied????

    • David Morris says:

      Hello Mrs Chadwick, I am afraid I don’t understand your question. Are you talking about a UK pension or a Canadian pension ? Did he work in the UK from 1955 to 1972 ?

  277. Jane DesChamp says:

    how do you join david

  278. My father was born in Scotland in 1959 with his Scottish family, but then moved to South Africa at the age of the 3 years old. He is still a British citizen, but lived and worked in South Africa all his life. Is he entitled to British pension?

  279. Hi David, I was born in the UK in 1951. I moved to the USA in December 1978 when I was 27. when I first moved here I was homesick and went back home for a month a couple of times and worked at my “old job” for about 3 weeks each time. I understand to qualify for any state pension I would need to have worked for at least 10 years. I started work when I was about 15 and I am sure I have worked for about 10 years, but I don’t know if they are 10 “full years” as I used to go back and forth to Spain a lot. Do you have a contact name/website address that I could contact regarding this. when I was in the UK on vacation about 3 years’ ago, my sister took me to the Social Security office and they gave me a booklet “Pensions The Basics.”
    they told me I could go on line and print out the application form to enquire about receiving a pension, but that application form did not apply to me, it was more for a person already living in the UK applying for their pension. How and who do I contact to find our if I have worked a total of 10 full years in the UK which would qualify me to receive at least some state pension.
    Thank you David.

    • David Morris says:

      Hello Valerie, your best bet is to join us. We will send you a complete package of information on how to find out your pension status, how to make voluntary payments, and lots of other information.
      As a member, you can also call our office at any time with questions, and we will keep you up to date as pension rules change

  280. William Hill says:

    David, Hi.
    Bill here. I was born Scotland 13th January 1952, left school at 16, worked for approximately 6 years. I emigrated to New Zealand in 1974, and have lived and worked here for 43 years. I’m applying for NZ Super, and just discovering that I maybe eligible for a part pension from the U.K. Can you help me here. In all honesty, I’d prefer not to qualify, as there is a lot of paperwork involved, dates, employment, etc. Anyway, hope you can advise here. If you require any other information, I can forward.
    Thanks. Bill

    • David Morris says:

      Hello William, you would need 10 years of NI contributions to qualify for a minimum UK pension. As it stands, you would not qualify. You could buy back more years to enable you to qualify, but I wouldn’t recommend you doing that, as you live in NZ

  281. Hi Dave just found your site, and very informative it appears. I wonder if you could assist in my enquiry. I was born in the UK on 30 November 1950, started work in 1966 ( latter half of the year from memory) finished working in the UK in August 1972 after apprenticeship completed. I travelled around and ended up in Australia where I became a citizen and stayed there. Friends have told me that I would be eligible for a part pension is this correct and how do you work out what percentage? Not sure if your site is only open to those now in Canada, if so sorry to trouble you.

    Appreciate any help you could give me, Keith

    • David Morris says:

      Hello Keith, yes – you are entitled to a partial pension, and may be able to increase it a little by buying back some years. You pension will also be backdated to when you turned 65. We have members from all over the world, so no worries !
      If you join us, we will send you an email package of information on how to get started. Don’t delay, as you lose the ability to buy back as time goes on

      • Hello David Morris,

        In regards to backdating State Pension benefits after someone has reached or passed retirement age and if they have to top up their NIC’s to meet the new pension requirements, Department of Works and Pensions (DWP) has information on its website that the benefits will be calculated from the date (Her Majesty Revenue & Customs) HMRC receives the the buy back payment and the date it gets posted to one’s NI account. There is NO backdating benefits before the date of receipt of this payment. In a nutshell payment begins the date when the funds for buy back are posted on on’e account.

  282. Lorri Archibald says:

    Hi There, I was married to my husband who passed away he was Scottish and lived in Scotland all his life. He passed away I was told I would be able to collect on his pension is that true?

    Thank you Lorri Archibald

    • David Morris says:

      Hello Lorri, I need to know both you and your husbands date of birth.

      • Lorri Archibald says:

        Hi Dave mine is 11/16/1966 Duncans is 9/13/1957

        • David Morris says:

          Hello Lorri, unfortunately the new pension system that came in this year has eliminated all new spousal based pensions. Everyone must now earn a pension based on their own contributions throughout their working year. This means that you would not be eligible for anything from your husbands pension. Sorry

          • Lorri Archibald says:

            Okay, so I would be for myself as I worked in the UK for more than 7 years

          • David Morris says:

            Hi Lorri, yes – but you will need a minimum of 10 years to qualify. The good news is that you can make contributions from abroad to at least get you to the minimum, or more – if you wish. It is a good deal financially, so you should consider doing that. At least to get you to 10 years, otherwise you will lose the contributions you already made

  283. Hi David,

    I paid NI for 14 years whilst living/working in the UK, I emigrated to Canada in 1993 and have made 10 years of voluntary contributions (some at Class 2)… now they have changed the rules to 35 years and are removing Class 2 in 2017, I am wondering if I should continue….. (year of birth 1964)…

  284. Jim Mulley says:

    Hi David.I do not know if you will be able to help.I lived in GB for 63 years left school at 15 and worked until I left England for Canada.I was informed by D.o.W.P that I only needed 47 years as the last 3 were free I also paid into S.U.R.P.S. what I want to know is why Australia get there full pension from the UK and Canada does not.Also does S.U.R.P.S supplement the state pension or is it independent, and is that frozen

    • David Morris says:

      Hello Jim, Australia and Canada are treated the same. Their pension is frozen too.
      SERPS is in addition to the basic state pension, and is also frozen

  285. Graham Mills says:

    Hi David. I have just stumbled on this website which has me wanting some explanation as to whether I qualify for a UK state pension!
    Born 29/01/1949. worked full time from 1965, (16th b/day) to End of July 1971 when I emigrated to Australia with my wife.
    We returned in 1973 when I worked for a further 6 months before returning to Oz again.
    To add to the confusion we returned again in 1981 for a further 9 months when I was unable to secure any work so I was on the unemployment benefit, before once again returning to Oz.
    I am now almost 68 and totally unaware that I could have contributed anything to make up a UK pension entitlement if I need to. (Or do I already qualify for the time I have been in the UK)
    I did not receive any notice from the uk government advising me that I may be entitled so thought no more about it.
    Where do I stand now? Am I entitled to a state pension and /or can I do something now that will allow an entitlement if I’m not already. Thank you Graham

    • David Morris says:

      Hello Graham, yes you are entitled to a partial UK pension. The good news is that you can still make back payments for a few years which will increase your pension, plus any pension you get will be backdated to the day you reached pension age. You can either take a lump sum, or an increased weekly amount.
      If you join us, we can get you started. We will send you a package of information, by email, on how to apply, how to make back payments, and lots of other info.

      • Graham Mills says:

        Okay David that’s good news. Whilst I am on this, maybe I should also clarify my wife’s position as I am not so sure if the same applies due to her birth date.
        Born 09/02/1950., worked from Feb 1966 to Aug 1969 (we married 8/2/1969) We emigrated together, as above.
        Returned to UK 1973 for 6 months (stay at home mum)
        When we returned to UK again in 1981, she worked for the 9 months that we were there.
        As I have mentioned, I don’t believe she is entitled unless being my wife has some reasoning for being eligible??

        I will join you. Thank you.

        • David Morris says:

          Hi graham, is that 9th of February, or 2nd of September ?
          It makes a sdifference

          • David Morris says:

            Hi Graham, that is correct. Your wife will need 10 eligible years to qualify for a minimum pension. She may well have 5 years credit, because partial years are counted. She may also be able to buy back enough years to reach the minimum 10, but she needs to move quickly to find out what credits she has, and what her buy back options are

          • Graham Mills says:

            Sorry 9th Feb

  286. I lived in UK and worked as a Secretary for three years and then as a Police Officer for 5 years. I then emigrated to Canada in 1979. will I still be eligible for UK Pension now living and working in Canada.