UK state pension

Frustrating isn't it!!

Unsure what you are saying here ..

Have clarified this with a link from HMRC a few posts back , about an IRL- Individual form , and also the experience of @Gooser14 who said he had had to fill that form for Revenue to sign and certify and send back to HMRC so that tax will not be deducted from UK pension, as resident and being taxed in Ireland .

HMRC will then apply that and also refund any tax taken in error .Otherwise you run the risk of being taxed on the double as you have to declare your UK pension here to Revenue.

But I don't think it happens automatically , ie you have to fill that form .

Is this incorrect information, is that what you are saying ?

Yeah, I'm not too bothered, long way to go to retirement, just more so wanted the correct years to be assigned for payment so I can pay the rest off and not end up having the very expensive years being allocated my money as others have had happen

thought it was a flat fee for transfers, must be a percentage

You can get tax relief on other pensions paid abroad hence the question . OK was a stretch, admitted.

As regards the double taxation agreement you are saying that that Irl- Individual form is incorrect information? That you don't have to fill anything to certify that you are resident and paying tax in Ireland ??

I am not anexpert just looking it up same as anyone here so don't believe me just read this ...

"Q4:  Is tax deducted at source from UK pensions?  I am a pensioner resident in the RoI and I have income less than the RoI exemption limit.  Can I claim back the tax deducted by the UK?

A: Your UK pensions and your State Pension will still be taxable in the UK unless there’s a ‘double taxation agreement’ (covering pensions) with the country where you decide to live. There is such an agreement between the UK and the Republic of Ireland.  As a result your pension will be taxed in your country of residence so once you are resident in the South your income is generally taxable in the South. The tax is usually due to be paid annually in a lump sum.

Please see the following form available for download from the HMRC website – Form IRL-Individual(opens in new tab)(opens in new tab). It enables you as a resident of Ireland to apply under the United Kingdom/Ireland Double Taxation Convention for relief at source from UK income tax on a UK state retirement pension or incapacity benefit, and UK-source pensions, purchased annuities, royalties and interest. You cannot claim a rebate of UK income tax from Irish Revenue; however the form also provides for a claim to repayment of UK tax in cases where payments of the income have already been made with UK tax deducted."

https://borderpeople.info/a-z/retirement-and-pensions.html

It's highly unlikely under the new Irish rules that anyone will receive a full Irish and UK OAP. You need 40 years under our rules or heading that way. I am not completely au fait with the UK rules.

I do not think it is so much some people "forget" as some people have never had to react with Revenue. Many do not even claim medical or other expenses.

I would be telling porkies if I said I know how it works .

Wrote to Sligo about contributions last year and apparently between my work history going back to teenage years when I did summer work and my mammy years at home which thankfully are now counted , and even with excluding the UK years I just have enough for a full pension .

Before those changes many women who took time out to have and look after children or dependants were penalised .

Would be the same for many of my era , early 60s .

The UK state pension is possible only because we can pay such a backlog of voluntary contributions but because of my age I will not get enough payments in now for a full one.

I am still happy with it as an investment and with my occupational pension here and the teensy NHS stipend , even minus tax it is a much more appealing situation for my future older years .

Fingers crossed and all that ..