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UK state pension

1246711

Comments

  • Registered Users, Registered Users 2 Posts: 473 ✭✭vswr


    so… I'm mid process, in the UK close to 8 years… no sign of going back to Ireland yet, but would like to…

    Do I just need keep payments up whenever I get back ?

    How many years do I need in Ireland to get an Irish pension?

    Or that possible to have both?



  • Registered Users, Registered Users 2 Posts: 1,406 ✭✭✭Technique


    40 years of payments to get the maximum Irish contributory pension, with a minimum of ten years of payments to qualify. E.g if you have twenty years you'll get 50% of the contributory pension. You could also add your contributions from the two countries to get the full Irish pension if you return to live in Ireland.

    Best bet may be to top up the UK pension at the reduced rate to get full UK pension and then work here for minimum of ten years to get a proportion of the Irish pension as well.



  • Registered Users, Registered Users 2 Posts: 473 ✭✭vswr


    thank you, does that 10 years need to be concurrent, or could my early years working in Ireland contribute to the qualifying year amount?



  • Registered Users, Registered Users 2 Posts: 1,406 ✭✭✭Technique


    I believe that they will count. Got a statement of my contributions last week and they counted two years that I worked in Ireland in the late 1980s before working in the UK for 30 years.



  • Posts: 133 ✭✭ [Deleted User]


    I paid £800 odd per year for 4 years to bring me to the 10 year minimum contribution.

    What's the difference with that and the lower rate. I got a letter this week to say I should continue paying and if I don't contribute in the next 2 years I won't get any further reminder



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  • Registered Users, Registered Users 2 Posts: 1,406 ✭✭✭Technique


    Are you living in the UK? I believe the lower rate is for people who who have worked in the UK but now live overseas.



  • Posts: 133 ✭✭ [Deleted User]


    I'm in Ireland and have been for 30 years.



  • Registered Users, Registered Users 2 Posts: 473 ✭✭vswr




  • Registered Users, Registered Users 2 Posts: 3,134 ✭✭✭beachhead


    A qualifying year for the Irish pension requires 48 weeks contributions each year minimum over 40 years to get the full pension payment as far as I know.The DSP have 2 methods to calculate a payment and the promise to use the method that gives the highest payment. citizensinformation.ie or gov.ie can provide precise info.



  • Registered Users, Registered Users 2 Posts: 3,567 ✭✭✭Peckham


    If you've been working during that time you should be paying the lower amount for the years you were working. There are a few other eligibility criteria too.

    Big difference - lower rate is around 160 pounds per year.

    If eligible, you need to submit a CF83 form.



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  • Posts: 133 ✭✭ [Deleted User]


    I applied last year and they came back with a circa £850 per year.



  • Registered Users, Registered Users 2 Posts: 3,567 ✭✭✭Peckham


    To be eligible for the lower amount I think you need to have been working up to the point that you left the UK AND be in employment in Ireland.

    If you meet these criteria it's no harm in appealing the decision.



  • Registered Users, Registered Users 2 Posts: 633 ✭✭✭RCSATELLITES


    Just received a letter today in the post for the last tax year 2023 / 2024. £179.40 class 2 for the year. Happy days.

    Will add that to the other 7 years I need to pay and it's coming in at around €1,500 for 8 years, not bad.

    That will give me 12 years in total. And I could just stop now and I would still get around £75 a week when retired.



  • Registered Users, Registered Users 2 Posts: 7,907 ✭✭✭The Continental Op


    My understanding is if you are self employed you pay the lower rate and the higher rate if you work for an employer.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 3,567 ✭✭✭Peckham


    That's if you live in the UK, I think.

    If overseas you pay the lower amount so long as you're in employment. I've been an employee since returning from the UK in 2005 and am eligible for the lower rate for every year since then.



  • Posts: 133 ✭✭ [Deleted User]


    Ill have to check out our and give them a call.



  • Registered Users, Registered Users 2 Posts: 994 ✭✭✭Jakey Rolling


    I'm about to do the same - when you say Revolut GBP account, do you mean the sub-account they automatically create when you exchange EUR to GBP? Did you then use the BIC/IBAN or the Sort Code/Account (they point to 2 different HMRC accounts)?

    I have 24 yearscontributions, plan to buy last 5 years Class 2, and have the ongoing Class 2 set up so just need another 6 years for full pension. The amount for 2023-24 was £179.

    100412.2526@compuserve.com



  • Posts: 133 ✭✭ [Deleted User]




  • Registered Users, Registered Users 2 Posts: 1,219 ✭✭✭sundodger5


    When you tell the revolut app it is a uk bank it defaults to sort code and account as the input.



  • Registered Users, Registered Users 2 Posts: 6,336 ✭✭✭OfflerCrocGod


    I have two accounts on Revolut, one € and one £. I originally set it up in the UK so maybe my £ was my original main one.



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  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    Has anyone here had their pension forecast updated after making a payment,and how long did it take?



  • Registered Users, Registered Users 2 Posts: 7,907 ✭✭✭The Continental Op


    Must check exactly when I paid (bank transfer online) but it must be over a month with no update.

    Edit> Paid 17th April so over 6 weeks and just checked that my pension forecast hasn't been updated yet.

    btw anyone setting up a login for Gov.uk you don't need a mobile number for an SMS. If you put in an international landline number the system will recognise that and call you back with a voice message.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 6,336 ✭✭✭OfflerCrocGod


    My DD hasn't been taken since I sent in my payment. Very odd altogether. Has anyone else had the same happen to them?



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    I made a bank transfer 12 weeks ago and no change in forecast yet.



  • Registered Users, Registered Users 2 Posts: 7,907 ✭✭✭The Continental Op


    I'm going to leave it 9 weeks then call them. I was told when I called HMRC to get my reference number (you don't need to its your NI no + IC + surname padded if needed at the end with initials to make it to make it the full length of the banks reference) that it could take 2 months to update.

    Edit> Re reference number

    https://moneyforums.citywire.com/yaf_postst16066_GUIDE--Time-Critical---State-Pension-and-National-Insurance-Top-up.aspx


    You MUST include a payment reference number so Hmrc can match the payments to your Ni record. The reference number with your bank payment is either the 18 digit code you received above from the Future Pension Centre or Pension Service or alternatively your Ni number followed by 'IC' then your Surname and first name initial. Ie JS2873BICBLOGGSJ. Fit in as much as you can if running over the bank limits for reference numbers.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 633 ✭✭✭RCSATELLITES


    I thought we had until April 2025 to pay. Why are people paying so early, for it to just sit there and earn nothing. I am holding off until next year to pay, while earning 4% interest. Considering it's only around €200 for the year I will have half ready from interest.

    That's my thinking of it, I suppose other people just want to get it over and done with.



  • Registered Users, Registered Users 2 Posts: 7,907 ✭✭✭The Continental Op


    Well you'd have had fcuk all with that attitude as you didn't have to till April 2025 originally. The cut of date was November 2023 (iirc) and it was extended because of the backlog.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 633 ✭✭✭RCSATELLITES


    "With that attitude" who do you think you are talking to. No need to be swearing either.

    At the moment the situation presents itself like that. The past is nothing to go by.

    Good luck.



  • Registered Users, Registered Users 2 Posts: 7,907 ✭✭✭The Continental Op


    If you hadn't applied originally before Nov 2023 then you were just lucky it was extended.

    Wake me up when it's all over.



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  • Registered Users, Registered Users 2 Posts: 633 ✭✭✭RCSATELLITES


    I applied in Feb 2023 if you read back through the comments. It's not my fault they took nearly a year to send me the details which clearly states I have until April 2025 to pay without penalty. In that situation it doesn't make sense for me to pay now. I will also be paying for last year 2023 and 2024. Which only arrived a few weeks ago.



  • Registered Users, Registered Users 2 Posts: 112 ✭✭Deenie78


    I completed the form via the HMRC portal this morning - it took a little time and thankfully I had all my dates and details in various places. When I went it to check how long it would take to expect to hear a response (via the link below) it said July 2025! I'm hoping the fact that I submitted before the April 2025 deadline will mean I'm still eligible - I saved a screen print of my submission date to be on the safe side.

    https://www.gov.uk/guidance/check-when-you-can-expect-a-reply-from-hmrc



  • Registered Users, Registered Users 2 Posts: 633 ✭✭✭RCSATELLITES


    Yes you will be still eligible. They have extended a few times now, so probably will again. But keep proof just in case, like you have.



  • Registered Users, Registered Users 2 Posts: 947 ✭✭✭homewardbound11


    I recieved my letter this week with a rejection . I had 2 full years and then returned to Ireland . I checked mygovid and it seems correct . Its there any recourse here, is it worth sending on my payments record from Ireland or can I add the uk contributions to my Irish contributions ?

    MOD: Attachment removed at poster's request.

    Post edited by Jim2007 on


  • Registered Users, Registered Users 2 Posts: 7,907 ✭✭✭The Continental Op


    MOD quoted text removed as it contained personal data and the poster asked for it to be removed.

    Was the 2 years before 6th April 1975?

    Post edited by Jim2007 on

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 633 ✭✭✭RCSATELLITES


    MOD quoted text removed as it contained personal data and the poster asked for it to be removed.

    My wife got the same letter back in March. So we sent the Irish contributions to them. Only took a few minutes to print them out from my welfare.ie

    No harm in sending them what they ask for.

    We haven't heard back from them yet, so can't tell you if she got approved or what the outcome was.

    You can add UK years to your Irish contributions anyway. When you apply for the Irish pension in years to come, you say you worked in the UK. They will request the information from the UK pension authority.

    Post edited by Jim2007 on


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  • Registered Users, Registered Users 2 Posts: 5,476 ✭✭✭SCOOP 64


    I Got a letter today from UK revenue stating that I didn't date the form could I download and send again, don't know why they came up with this now must be 9 months since I sent it , in that 9 months they requested wage slips and other documents only now they are saying I didn't date it but believe I did.

    Thought I would ring them 3 times after 10 minutes on hold was cut off, think I might give this up all together.



  • Registered Users, Registered Users 2 Posts: 2,677 ✭✭✭PhoenixParker


    I had that about 2 months ago. Did it again online and got a letter the other day.



  • Registered Users, Registered Users 2 Posts: 5,476 ✭✭✭SCOOP 64


    I am just going to send back the page they requested signed and dated not the whole 7 pages again with a letter stating my frustration with the whole process.



  • Registered Users, Registered Users 2 Posts: 5,476 ✭✭✭SCOOP 64


    Did you get the go ahead to pay contributions?



  • Registered Users, Registered Users 2 Posts: 947 ✭✭✭homewardbound11




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  • Registered Users, Registered Users 2 Posts: 2,677 ✭✭✭PhoenixParker


    Yip. I have 8 years paid.

    Now I've to work out how to do the payments.



  • Registered Users, Registered Users 2 Posts: 142 ✭✭PaybackPayroll


    @Homewardbound11 - just to let you know your NI number is on that. Might be worth redacting it.



  • Registered Users, Registered Users 2 Posts: 142 ✭✭PaybackPayroll


    I'd be nervous of a change in policy. Who knows what a change in Government could bring.



  • Registered Users, Registered Users 2 Posts: 7,907 ✭✭✭The Continental Op


    Then my understanding is that the two years on their own aren't enough. Hopefully getting a copy of your Irish contributions record and sending it to them will sort that. Just don't expect a quick reply. Took 6 months to get a letter to say I could pay extra contributions and 2 months since I paid and not a word from them.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 633 ✭✭✭RCSATELLITES


    Yeah that's true aswell. If I didn't have another 27 years to pay until I retire, I would be more cautious.



  • Moderators, Business & Finance Moderators Posts: 10,705 Mod ✭✭✭✭Jim2007


    Every single method of saving for retirement involves risk that is a given. Changes in government policy pensions in the UK, Ireland and the rest of Europe is a certainty because pension crisis will have to be addressed. However since it impacts every voter and more so as the population ages, the chances are that it won't too negative. Certainly not so much as to warrant not having skin in the game.



  • Registered Users, Registered Users 2 Posts: 2,677 ✭✭✭PhoenixParker


    When making payments - Does anyone know how are they applied to the shortfall years?

    I have one year that only needs a payment of £3.15, several years that need a payment around £165 and then a few years that need a payment of £824.20.

    Obviously I'd like to pay the cheap years and leave out the 5 years that cost a lot more but not sure if that's possible?

    My years in the UK were right at the start of my career so I can leave some years out and still get to 35 years without a problem.



  • Registered Users, Registered Users 2 Posts: 2,677 ✭✭✭PhoenixParker


    Just to warn you, it's moved online so you fill out the form there now. That's what I did and it's much easier than signing and dating and sending back.



  • Registered Users, Registered Users 2 Posts: 7,907 ✭✭✭The Continental Op


    Yeah, you can do that. You topup any years that are within scope. What I did was after sorting out how much I needed to pay was phone HMRC and tell they what years I was paying. Now no idea yet if they did this but I was told they put a note on my account for the amount I was paying and for which years I was paying for.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    Has anyone here seen a change to their forecast,or contribution history since making a payment?



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