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UK state pension

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Comments

  • Registered Users, Registered Users 2, Paid Member Posts: 3,649 ✭✭✭Peckham


    Do you have a letter from them with instructions on how to make the payment?

    I do mine from Revolut Sterling account into the Barclays account detailed on the letter. And then ring them a week or so later to confirm they have it and will allocate it correctly.



  • Registered Users, Registered Users 2 Posts: 304 ✭✭society4


    anyone know if you need a min of 10 years working in UK before you can apply? Husband has 7 years only.



  • Registered Users, Registered Users 2, Paid Member Posts: 3,649 ✭✭✭Peckham


    Has he logged in to HMRC and checked his NI record? While he may have worked there for 7 years, it could have straddled more tax years.



  • Registered Users, Registered Users 2 Posts: 864 ✭✭✭RCSATELLITES


    No you definitely don't need 10 years he only needs 3. But you are running out of time.



  • Registered Users, Registered Users 2, Paid Member Posts: 18,187 ✭✭✭✭Goldengirl


    If he gets on it and pays for his back years soon ( up to 6 years now ) he will be more than eligible .



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  • Registered Users, Registered Users 2, Paid Member Posts: 8,175 ✭✭✭54and56


    Hi all,

    Has anyone experienced this error when trying to access the HMRC pension look up service on https://www.tax.service.gov.uk/check-your-state-pension/account ?

    I can log in using my 12 digit Govt Gateway user ID, password and Google Authenticator 2FA no problem but although my wife also has her own account using her own 12 digit Govt Gateway user ID, password and Google Authenticator 2FA every single time she tries to log in, regardless of what browser or device used (laptops, iPhone etc) it always produces this error message.

    image.png


  • Registered Users, Registered Users 2 Posts: 8,707 ✭✭✭Fann Linn


    I'm literally just after logging out of it with no issues at all. Coincidentally I was actually just checking myself to see if there was any changes to my pension forecast following their update over the weekend.

    Thankfully no changes or sudden surprises on my record so far🤞



  • Registered Users, Registered Users 2, Paid Member Posts: 8,175 ✭✭✭54and56


    Yeah, it's weird in that the error only occurs when my wife tries to log in, never when I try to log in even if I do it at the same time. She's tried logging in using a completely different PC (in case cookies stored from my previous login were an issue) but same error, no matter when she tries she constantly gets the same error, very frustrating.



  • Registered Users, Registered Users 2, Paid Member Posts: 5,922 ✭✭✭SCOOP 64


    I was checking my forecast to , no change also,, but I did opt out in the 90s, I wonder if it actually has been updated, happy days if it has and the forecast is right but im never that lucky.



  • Registered Users, Registered Users 2 Posts: 1,237 ✭✭✭hamburgham


    Advice gratefully received.

    I'm only filling out the CF83 form now. I did register with them before the deadline last year and got a calla few weeks ago asking me to complete this form.

    Just re q 4 which asks for name of employer abroad, I am putting in my current Irish employment details. Is that correct ? I have had a few different employers since I returned to Ireland but they're not asking for the history so I'm just putting in the current one.



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  • Registered Users, Registered Users 2, Paid Member Posts: 18,187 ✭✭✭✭Goldengirl


    I think I listed all of mine since I came back because it goes towards whether you can be listed as class 2 or 3 . You want to show as full a work history as possible .



  • Registered Users, Registered Users 2 Posts: 3,838 ✭✭✭beachhead


    Put the first employer here with dates to ensure continuity in employment is known to them.



  • Registered Users, Registered Users 2, Paid Member Posts: 371 ✭✭sugarman20


    I filled out the CF83 online but I only added the first employer I had after I left the UK. Will I get a chance to correct this?

    Did anyone ever send them their PRSI contributions statement as proof of employment? I seen it mentioned on AAM.

    SUBSCRIBE HERE TO KEEP BOARDS ONLINE

    Linky



  • Registered Users, Registered Users 2 Posts: 137 ✭✭Widows Son


    Was about to post exactly this. Print off your prsi record and send it off. That's what I did.



  • Registered Users, Registered Users 2 Posts: 9,740 ✭✭✭The Continental Op


    Don't forget to keep a record of all you UK (and EU) employment and dates as you might need them when you apply for your Irish contributory pension. I was a couple of years short for an Irish contributory pension but the UK contributions bumped it up to a worthwhile (but not full) Irish pension.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 106 ✭✭riccol1966


    My understanding is that if you combine the pensions from other jurisdictions to get a full Irish pension then you can't receive a UK pension separately. Perhaps I'm mistaken.. I think this whole thread assumes you'll be trying to get a separate UK pension by paying the back years and then you get your Irish contributory pension separately. You can of course also pay back years on your Irish pension.



  • Registered Users, Registered Users 2 Posts: 9,740 ✭✭✭The Continental Op


    You are mistaken :-) I'm getting a full UK pension and 2/3rds of an Irish pension.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 106 ✭✭riccol1966


    Ok that's interesting...I stand corrected . Could you explain if you're getting a full UK pension how does Ireland top up your Irish pension to 2/3 by using UK contributions? If it works then it sounds mad.. but it's also great news.



  • Registered Users, Registered Users 2 Posts: 864 ✭✭✭RCSATELLITES


    I thought the same as you and if I remember right it was mentioned on here to keep the UK pension quite when applying to the Irish pension. Because if you do require years for the Irish pension and mention that you worked in UK, then the Irish pension can request those years from the UK and only one would presume that you then loose those years off the UK pension.

    But if that's not the case then like you said great news.

    Question for The Continental Op?

    Could it have been that you had loads of years from the UK (more than required) and you only needed a few for the Irish which didn't affect your UK overall?



  • Registered Users, Registered Users 2 Posts: 9,740 ✭✭✭The Continental Op


    Question for The Continental Op?

    Could it have been that you had loads of years from the UK (more than required) and you only needed a few for the Irish which didn't affect your UK overall?

    That was about the size of it. iirc paid an extra 14 years UK to get the max (approx 1.4k? at lower rate). Here I was short by 2 years actual working but had a lot of credits for disability.

    Wake me up when it's all over.



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  • Registered Users, Registered Users 2 Posts: 864 ✭✭✭RCSATELLITES


    Thanks for getting back to me. 😊 Great that you have both pensions coming in.



  • Registered Users, Registered Users 2 Posts: 3,838 ✭✭✭beachhead


    How many years spent in each country? Not many people in your lucky position.When I enquired with Irish side I was told "you're due a UK pension.Isn't that enough for you.I was told any years spent in UK would be deducted from my Irish pension".Conversation was by phone.I tried to get them to put it in writing but letters just ignored.



  • Registered Users, Registered Users 2, Paid Member Posts: 5,922 ✭✭✭SCOOP 64


    That's the first I've heard of that, otherwise everything we have been doing is all in vain.



  • Registered Users, Registered Users 2, Paid Member Posts: 371 ✭✭sugarman20


    It doesn't work that way. If you have the contributions you can have both.

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    Linky



  • Registered Users, Registered Users 2 Posts: 9,740 ✭✭✭The Continental Op


    I had no expectation of a UK pension until I heard about the change to the back payment period on BBC Radio 4 a few years back. So checked what I would get from past UK contributions. iirc it was something like £140. That included work in the UK and time in education I just can't remember off hand the exact number of years but I was working there for about 15 years. I was surprised to get extra credit I got for time at University and possibly for being at school after 16?

    Anyway sent in all the required info and to my delight eventually was told I only need to pay the lower Class 2 contributions - my basic maths indicated that it was worth paying Class 3 never expected to pay the Class 2 so thought the whole deal was a great bargain. Then went through the usual process of paying and waiting to eventually get everything updated after about a year.

    Checked on Irish pension, again not really expecting anything - do you see a trend here? Looked like I might get something but when I applied found I was a year or so short on the Full Rate contributions. I had put down all the info requested on the form on working in the UK and through MyGov.ie got an update saying I wasn't entitled to an Irish non contributory pension but they would check to see if my work in the UK would improve my record. About a month later got a text to check MyGov and discovered that they have awarded me a pension based on the additional info about my contribution from the UK - they ask HMRC for a copy of their records. Checking when my UK pension would be paid HMRC could tell me that they had had a request for my pension information from Ireland and had sent it on.

    I was wrong earlier stating I get 2/3rds of an Irish pension its actually a bit less at just over 3/5ths.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2, Paid Member Posts: 5,922 ✭✭✭SCOOP 64


    Sorry just to confirm so you ended up with a irish and uk pension .



  • Registered Users, Registered Users 2 Posts: 9,740 ✭✭✭The Continental Op


    Yes why not? I have valid contributions for both.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 137 ✭✭Widows Son


    There's a lot of confusion and misinformation about getting both the Irish and UK state pension. It is possible to get a full pension from both countries though this will become less likely in the future. I expect to receive a full pension from both. I will have 40 full years contributions to the Irish system at Irish retirement age and 35 full years contributions to the UK system at their retirement age. This is possible because I worked for about 4 years in the UK in my late teens early twenties. I had 4 years contributions, and was allowed two more. I then bought back all the years back to 2006 when that was allowed up to last April. That puts me at 25 years and I can pay ten more until I reach 67.

    I see a lot of comments on social media saying it's not possible,to get a pension from both countries,and when they are corrected the often fall back on the line that it's not worth it because you'll be taxed. So what? Still better off. I suspect these are people who weren't informed enough to get their UK pension sorted,or worked for cash in England or were working under false names or other national insurance numbers . A lot of this went on.

    So yes, you can get a contributory pension from both countries, though it will be less likely in the future.



  • Registered Users, Registered Users 2, Paid Member Posts: 5,922 ✭✭✭SCOOP 64


    I always thought this was the case ,it was just what was mentioned by another poster.



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  • Registered Users, Registered Users 2 Posts: 8,707 ✭✭✭Fann Linn


    I can confirm the above also. I spoke to a financial advisor and he said I could claim both but I will be liable for tax and usc also as that is applicable to UK/US pensions.



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