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    • woolly_wombat
    • By woolly_wombat 18th Mar 17, 9:43 AM
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    woolly_wombat
    Claiming pension from time worked in France
    • #1
    • 18th Mar 17, 9:43 AM
    Claiming pension from time worked in France 18th Mar 17 at 9:43 AM
    OH currently has pension entitlement from 4 years spent working in France.

    Under current rules he will be able to claim it when he reaches 66, or can take it from age 60 onwards with reductions.

    He was planning on taking it at 66, in just over 2 years time.

    Brexit has thrown a huge spanner in the works since once we exit he will no longer meet the minimum 15 year rule.

    When claiming via the International Pension Centre does an EU pension currently have to be claimed at the same time as UK pension?

    Should he try and claim the French pension sooner rather than later (not something he wants to do as he is a high earner)?

    Can anyone with any expertise/experience venture an opinion?

    Many thanks.
    WW
    Last edited by woolly_wombat; 18-03-2017 at 12:07 PM. Reason: Correct no of years
Page 1
    • wookie6
    • By wookie6 18th Mar 17, 9:54 AM
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    wookie6
    • #2
    • 18th Mar 17, 9:54 AM
    • #2
    • 18th Mar 17, 9:54 AM
    Hi,

    Ive just asked a question relating to a Germany pension here http://forums.moneysavingexpert.com/showthread.php?t=5619694

    I know rules for each country are different however can you expand on the following?

    Brexit has thrown a huge spanner in the works since once we exit he will no longer meet the minimum 10 year rule.
    • JezR
    • By JezR 18th Mar 17, 10:43 AM
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    JezR
    • #3
    • 18th Mar 17, 10:43 AM
    • #3
    • 18th Mar 17, 10:43 AM
    When reciprocal social security arrangements have been unwound before (eg with Australia), rights gained during the period they have been in force have been preserved.

    The UK also had bilateral arrangements with a number of European countries prior to entering the European Communities including France and Germany and these may leap back into life.
    Last edited by JezR; 18-03-2017 at 10:46 AM.
    • woolly_wombat
    • By woolly_wombat 18th Mar 17, 12:14 PM
    • 416 Posts
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    woolly_wombat
    • #4
    • 18th Mar 17, 12:14 PM
    • #4
    • 18th Mar 17, 12:14 PM
    Hi,

    Ive just asked a question relating to a Germany pension here http://forums.moneysavingexpert.com/showthread.php?t=5619694

    I know rules for each country are different however can you expand on the following?
    Originally posted by wookie6
    Sorry to muddy the waters with a new thread!

    According to:
    http://europa.eu/youreurope/citizens/work/retire-abroad/state-pensions-abroad/index_en.htm

    "Eligibility periods
    In some EU countries, you must have worked for a minimum period of time to be entitled to a pension.

    In such cases, the pension authority has to take into account all the periods you've worked in other EU countries, as if you'd been working in that country all along, to assess whether you're entitled to a pension ( principle of aggregation of periods).

    If it fails to do so, contact our assistance services for help.
    "

    "Sample story

    Tom worked for 4 years in Germany and 32 years in Portugal.

    In Germany, you must have worked for at least 5 years to be entitled to a pension. Tom would not normally qualify for the national pension scheme in Germany as he had worked there for only 4 years.

    However, the German pension authority had to take into account the years Tom worked in Portugal...
    ."

    "Sample story

    Rosa worked 20 years in France and 10 years in Spain.

    Both countries apply a minimum period of 15 years of work in order to have the right to a pension. Each country will calculate Rosa's pension....
    "
    • woolly_wombat
    • By woolly_wombat 20th Mar 17, 2:53 PM
    • 416 Posts
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    woolly_wombat
    • #5
    • 20th Mar 17, 2:53 PM
    • #5
    • 20th Mar 17, 2:53 PM
    The International Pension Centre have just told me that the French pension does not need to be claimed at the same time as the UK pension.

    As to what will happen after Article 50 is triggered next week (29th March), who knows...
    • greenglide
    • By greenglide 20th Mar 17, 5:05 PM
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    greenglide
    • #6
    • 20th Mar 17, 5:05 PM
    • #6
    • 20th Mar 17, 5:05 PM
    As to what will happen after Article 50 is triggered next week (29th March), who knows...
    Nothing until Mrs May (actually the hard right wing of her party who seem to have there hands well up her back) does a deal or storms out in a hissy fit.

    Neither will be good. Like many, many other areas I dont think this will be a particularly high priority.
    • woolly_wombat
    • By woolly_wombat 21st Mar 17, 9:22 AM
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    woolly_wombat
    • #7
    • 21st Mar 17, 9:22 AM
    • #7
    • 21st Mar 17, 9:22 AM
    Neither will be good. Like many, many other areas I dont think this will be a particularly high priority.
    Originally posted by greenglide
    Hmm. Perhaps best to claim earlier with a reduction rather than risk losing it all later?
    Last edited by woolly_wombat; 21-03-2017 at 10:27 AM.
    • atush
    • By atush 21st Mar 17, 12:56 PM
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    atush
    • #8
    • 21st Mar 17, 12:56 PM
    • #8
    • 21st Mar 17, 12:56 PM
    does a deal or storms out in a hissy fit.
    Honestly, would you have said this if she were a man?
    • greenglide
    • By greenglide 21st Mar 17, 2:36 PM
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    greenglide
    • #9
    • 21st Mar 17, 2:36 PM
    • #9
    • 21st Mar 17, 2:36 PM
    Honestly, would you have said this if she were a man?
    Yes, I would. Anyone who rules out staying in the single market and the customs union before the negotiations even start clearly isnt starting with an open mind has no intention to get "the best BREXIT for Britain".

    Hissy fits are not available to men and women equally.
    • mgdavid
    • By mgdavid 21st Mar 17, 3:27 PM
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    mgdavid
    Yes, I would. Anyone who rules out staying in the single market and the customs union before the negotiations even start clearly isnt starting with an open mind has no intention to get "the best BREXIT for Britain".

    Hissy fits are not available to men and women equally.
    Originally posted by greenglide
    Being a bit economical with the actualite aren't you?
    It's the EU that have ruled out us staying in the single market and the customs union by tying them both to free movement of all and sundry.
    A salary slave no more.....
    • mgdavid
    • By mgdavid 21st Mar 17, 3:32 PM
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    mgdavid
    OH currently has pension entitlement from 4 years spent working in France.....
    WW
    Originally posted by woolly_wombat
    France is flat broke and cannot really afford to pay his pension. Given he's a high earner and therefore safe to say he'll be relatively OK in retirement he could do the decent thing by France and just forget all about it.
    A salary slave no more.....
    • woolly_wombat
    • By woolly_wombat 22nd Mar 17, 9:33 AM
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    woolly_wombat
    he could do the decent thing by France and just forget all about it.
    Originally posted by mgdavid
    Not an option for him.

    He won't get a full UK pension (despite paying voluntary NICs whilst working in France).

    Taking the SERPs opt-out bribe and an Equitable Life so-called with-profits pension has cost him dear.
    • martinsurrey
    • By martinsurrey 22nd Mar 17, 10:37 AM
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    martinsurrey
    Yes, I would. Anyone who rules out staying in the single market and the customs union before the negotiations even start clearly isnt starting with an open mind has no intention to get "the best BREXIT for Britain".

    Hissy fits are not available to men and women equally.
    Originally posted by greenglide
    Its not being ruled out as an option, it was never an option in the first place.

    Single market membership requires free movement of people.

    Custom union membership requires centralized trade deals with the rest of the world, on terms agreed in the EU.

    If you think you can keep either of them and get the heart of the result of the vote, you were always deluded (and this is coming from someone who wanted to stay).

    Now, you can get bits and pieces of the above with a negotiated trade deal with the EU (see Turkey and San Marino for the custom union), but full membership was always with too many strings
    • greenglide
    • By greenglide 22nd Mar 17, 1:33 PM
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    greenglide
    It's the EU that have ruled out us staying in the single market and the customs union by tying them both to free movement of all and sundry.
    So Mrs May didnt make the speech about this then?

    She could have kept quite or said "everything is on the table to be negotiated". At the end of the day the EU stance may be up for negotiation while Mrs May seems to have totally ruled this out.

    But at least it isnt a manifesto commitment unlike self employed NI increases - does that make a u-turn easier or harder?
    • woolly_wombat
    • By woolly_wombat 22nd Mar 17, 1:44 PM
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    woolly_wombat
    Back to original query
    Back to my original query, would it be better to try and claim a pension from 4 years worked in France sooner rather than later?
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