State pension for immigrants

srcandas

My partner has 30 years of tax contributions in Spain (she is spanish) and will have about 7 years here in the UK when she retires.

Does anyone know what happens? As she will be resident in the UK can she get credits for her spanish contributions?

There must be many people with contributions in two countries but for the life of me I can't find one
:beer:

Neverland

If you are english and you retire to spain you can get your uk pension paid in spain because its part of the eu under the eu rules

Therefore I would be very surprised if she couldn't claim her spanish state pensions under that schemes rules if she is living in the uk

This is one of the good things about us being in the eu

atush

AFAIK, the spanish contributions will count for her UK pension. Contact the DWP for confirmation, and to get a pension forcast.

xylophone

http://ec.europa.eu/ireland/ireland_in_the_eu/faq/pensions/index_en.htm

"What are the rules governing payment of pensions if I have worked in a number of Member States during my working life?

The following rules apply if you live and have worked in one or more EU countries, Iceland, Liechtenstein, Norway or Switzerland.

In each country, your insurance record is preserved until you reach the pensionable age.
Every country where you have been insured for at least one year will pay you an old-age pension, when you reach its national pensionable age."

"Where should I apply?

Even if you have worked in several countries, you should apply for your pension in the country where you live, unless you never worked there. In the latter case, you should apply in the country where you last worked."
Department of Social Security, Benefits Agency, Pensions and Overseas Benefits Directorate, Newcastle upon Tyne, NE 98 1YX. The telephone number is 0044 191 225 7180.

srcandas

Many tx guys - veryhelpful

Certainly for us who will flip flop between Spain and the UK the ability to take a pension while resident in either is great.

The problem we have is that the pension calculation in spain is biased towards your last 15 years prior to retirement age and my wife has gaps there.

So ideally a UK pension would probably be best (certainly as I believe spain will be bust and using pesetas very soon )

I'm currently waiting for a spanish assessment of contribution and then as suggested I'll get onto DWP.

Muchas gracias :beer:

jennifernil

My OH is Norwegian and worked there for a while, but since 1970 has lived and worked in UK. At the time he retired (2007) he did not have enough years of contributions here to qualify for a full pension here.

When he was approaching retirement he applied here, gave details of his time in Norway, and then received a form from Norway to complete. They confirmed his entitlement to some pension there, but this was not (under the regs at the time) payable until their retirement age, which was 67.

So he has had a reduced pension here since 2007, then in 2009, month after his birthday, Norway started paying him the amount he had earned there. This is rather more than he is short of here, so it worked out well.

If you get pension sent here from abroad, your bank may charge you for receiving it. We use Nationwide/HSBC as they do not make an extra charge.

Neverland

jennifernil wrote: »

My OH is Norwegian and worked there for a while, but since 1970 has lived and worked in UK. At the time he retired (2007) he did not have enough years of contributions here to qualify for a full pension here.

This is a bit different as Norway isn't in the EU

jennifernil

Yes, but they use the same rules, as xylophone said above.

OH has a friend who has pensions in payment from UK, Denmark and Norway, all separate.

jennifernil

Also, as I understand it, each country will look at how much you would be entitled to if they pay the pension, and compare this to how much you would have received if those contributions had been made in your country of residence.

Then you are paid the larger of the 2 amounts.

This is why OH gets far more from Norway than he lost here.....cost of living in Norway is very high and pensions are therefore much higher too.