Italian national wanting combined UK pension

Rallyeron

Dear all,


This is my first post on the forum so please forgive me if I have posted this in the wrong section or have failed to search hard enough for similar existing posts.


I am British, my wife is Italian. I used to live in Italy but last year we both moved back to my home town here in the UK.


If our intention is to remain here until retirement age, she will work here until then. She has obviously already worked for a number of years in Italy.


My question is if anyone knows the best way to find out if and how she will be able to combine the two pension contributions?


Any thoughts or advice would be appreciated.


Ron.

atush

the min she starts work, or you have children and she receives CB in her name, then she will start getting Nics. I believe EU nationals like all will need a min of 10 years contribs to get any UK pension and 35 years to get the full basic.

AS for her italian state pension that would remain and she could claim that as well once she has retired. I am not sure of the rules about combining the two, but it has been discussed here by those who worked in Germany and Spain- have you tried a search?

JezR

When she claims her UK pension she will need to put her Italian pension details on the form. The present day paper version of this is here - Part 5 is the section.

The DWP then behind the scenes contacts the relevant people in Italy.
The way the pension is calculated is:

The EU-equivalent rate

Each pension authority will calculate the part of the pension it should pay taking into account periods completed in all EU countries.

To do so, it will add together the periods you completed in all EU countries and work out how much pension you would get had you contributed into its own scheme over the entire time (called the theoretical amount).

This amount will then be adjusted to reflect the actual time you were covered in that country (called the pro-rata benefit).

The national rate

If you meet the conditions for entitlement to a national pension irrespective of any periods completed in other countries, the pension authority will also calculate the national pension (known as independent benefit).

Result

The national authority will then compare the pro-rata benefit and the independent benefit; you will receive whichever is higher from that EU country.

Each country's decision on your claim will be explained in a special note, the P1 form, which you will receive.