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UK state pension

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Comments

  • Registered Users, Registered Users 2 Posts: 7,861 ✭✭✭54and56


    How is #3 even a risk unless you're saying you're concerned that your children or other family members won't be able to continue receiving your pension after you're dead? If you're alive and claiming your pension why would you be concerned about checks that you're alive?



  • Registered Users, Registered Users 2 Posts: 862 ✭✭✭2lazytogetup


    I mean there would probably be red tape. My point is that the uk government will want to stop fraud. i cant see them just continuing to pay me the pension while i continue to live in Ireland without regularly checking. i thought i would need to go to the HMRC office regularly to prove I am still alive. Someone mentioned above (thanks) that they ask you to prove it once a year. wonder how they do that.

    I would discourage my family from trying to fraudulently claim my uk pension when I'm dead. its a bit sad. my kids should be able to make something of themselves. though the story from Ireland of the kids bringing their dead uncle into a post office to claim amusing.



  • Registered Users, Registered Users 2 Posts: 7,861 ✭✭✭54and56


    A bit of red tape when you're a pensioner to prove you're actually alive isn't going to be the biggest burden in the world is it and no different to either your Irish state pension or your personal / compamny pension, they all need to know they are making payments to people who are actually alive and entitled to be paid.



  • Registered Users, Registered Users 2 Posts: 862 ✭✭✭2lazytogetup


    Since you are really dwelling on this point.. i better respond.

    In ireland, they catch the fraud by sending inspectors to your house. Or the very least ask you to attend post office or social welfare office.

    I cant see HMRC sending inspectors to ireland. So how else would HMRC UK check if you are alive. Ask you over the phone for your date of birth and mothers maiden name??



  • Registered Users, Registered Users 2 Posts: 5,572 ✭✭✭SCOOP 64


    Video call maybe, some sort of face scan system, must be some option.



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  • Registered Users, Registered Users 2 Posts: 88 ✭✭Widows Son


    Google is your friend here, if your username will allow



  • Registered Users, Registered Users 2 Posts: 255 ✭✭Heiser


    I got the letter confirming i paid my Class 2 contributions and my record was updated to show I paid from 2007 to 2019. It's great to see.

    Going forward, I want to pay my contributions yearly. When I go to the website to do so, it says I can pay the gaps but they're Class 3. Do we need to prove to HRMC every year we're still employed to avail of the Class 2 rate, or how do we go about getting the Class 2 rates in future years?



  • Registered Users, Registered Users 2 Posts: 5,572 ✭✭✭SCOOP 64


    I was told it could take up to a year to update on website, so it should change from class 3 to class 2 eventually, all of my payments are still class 3 on website from 2006 onwards.



  • Registered Users, Registered Users 2 Posts: 693 ✭✭✭RCSATELLITES


    I received a letter last year to pay for 2023-2024 around end of April/ start of May. I expect to receive another letter this year. The letter states the amount due for class 2 and how to pay it.



  • Registered Users, Registered Users 2 Posts: 3,514 ✭✭✭beachhead


    Private pension schemes send out a letter every year or two at most. If you don't reply within a certain time your pension stops.HMRC must do something similar



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  • Registered Users, Registered Users 2 Posts: 10,519 ✭✭✭✭Dodge


    ridiculous post above. You do not “often” hear about kids claiming the pensions of dead parents. And even if you did, it’s not a “worry””

    As for suggesting people shouldn’t plan for their retirement in case they die at 67 or because “morally” they shouldn’t try to get a pension…



  • Registered Users, Registered Users 2 Posts: 1,079 ✭✭✭onrail


    For some reason I've left this to the last minute and might be entitled to make class 2 contributions (definitely entitled to class 3). If I send in the CF83 form now, will it clear in time?

    I already have 12 qualifying years and only one additional year that falls outside the 6 year threshold, so not the end of the world if I don't make it



  • Registered Users, Registered Users 2 Posts: 1,198 ✭✭✭Addmagnet




  • Registered Users, Registered Users 2 Posts: 8,345 ✭✭✭The Continental Op


    As long as its received before the deadline. If using post then send it registered and keep the receipt.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 3,179 ✭✭✭Bogwoppit


    Doing it online is easier and far quicker.



  • Registered Users, Registered Users 2 Posts: 3,514 ✭✭✭beachhead


    Registered post 2 days max.Snail mail 4 days. That's the time from posting to the DWP opening your letter.Do it online



  • Registered Users, Registered Users 2 Posts: 1,079 ✭✭✭onrail


    Working through my HMRC account, I've just answered a couple of questions and been told to request a call back.

    It says that I'll be contacted within 8 weeks; however, once I've requested a call back before April 5, I'll be eligible to make payments afterwards.



  • Registered Users, Registered Users 2 Posts: 3,514 ✭✭✭beachhead


    That notice appeared in the last week



  • Registered Users, Registered Users 2 Posts: 181 ✭✭corkgirl17


    Have been looking Into this, there is a specialist crowd that will do the applications and everything for you but charges €1000!!! Is there a lot of work involved or could I easily do this myself?? Worked in the UK for 3 years so I should be eligible to pay for years.



  • Registered Users, Registered Users 2 Posts: 8,345 ✭✭✭The Continental Op


    Money for old rope. Not even a couple of hours work.

    Wake me up when it's all over.



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  • Registered Users, Registered Users 2 Posts: 693 ✭✭✭RCSATELLITES


    I would do it for €50 that's how easy it is.



  • Registered Users, Registered Users 2 Posts: 181 ✭✭corkgirl17


    Good to know, thanks! Will do it myself so



  • Registered Users, Registered Users 2 Posts: 6,431 ✭✭✭jj880


    Sounds like someone's not getting the UK pension and doesn't want anyone else getting it 🤣. 💷💶💷💶💷💶💷💶



  • Registered Users, Registered Users 2 Posts: 16,012 ✭✭✭✭Goldengirl


    My online statement was updated end of last month .

    Now giving correct details about classes of payments and which years have been paid. It took 7 months since payment and 4 months after a phonecall confirming that payment had been allocated .



  • Registered Users, Registered Users 2 Posts: 16,012 ✭✭✭✭Goldengirl


    This is the number I called also.

    I was told I didn't need to apply to pay for annual nics going forward though ..think it was on the form somewhere?



  • Registered Users, Registered Users 2 Posts: 16 Mr Creosote


    I phoned the HMRC (UK revenue & customs) on 27th February 2025 I had a few questions about my application to make voluntary contributions that I needed to be clear about. They told me if I completed and submitted my application online on that day (25th February) it would be the 3rd August 2025 at the earliest that I could expect a reply back from them regarding my application. So just over five months in my case.



  • Registered Users, Registered Users 2 Posts: 88 ✭✭Widows Son


    Can anyone confirm if payments going forward are to be made to the same HMRC bank account?



  • Registered Users, Registered Users 2 Posts: 330 ✭✭Badger2009


    I have 5 years contributions. I have another 29 years to pension age. Is there any benefit to paying the full current gap in my record (9 years) Vs just paying for one year to allow me get to 35 qualifying years when I reach the age?



  • Registered Users, Registered Users 2 Posts: 88 ✭✭Widows Son


    My opinion for what it's worth is pay what you can now.. moreso if class2 is available to you. Rules may be changed in the future or your circumstances may change and you may not be able to avail of class 2 .



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  • Registered Users, Registered Users 2 Posts: 16,012 ✭✭✭✭Goldengirl


    If the gap years are payable as class 2, yes , and just to safeguard in case you have to retire early here for any reason. Once you do you have to pay class 3

    Class 3 payments have gone from £ 824 PA recently to £907 .

    They will only go up acc to HMRC person I spoke with about this , so they recommend paying cheaper back years first .

    Then just pay every year or not until you reach 35 year limit .

    Post edited by Goldengirl on


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