Entitlement to state pension for US citizen

mrschaucer

I don't know how old your son is, but you can receive NI credits (via the transferred child benefit route) until he is 12, I believe.

reg091

Thanks Mrschaucer. Yes, indeed. He is nearly three and I have been his full-time carer since he was about six months. I recently discovered that I can get the NI credits transferred to me from my wife's CB Account. She earns too much to get CB but apparently has still been being credited with the NI credits, which seems vaguely daft to me as she is also paying vast amounts of NI!

Anyway, I have to apply at the end of every tax year to get those credits to my account and (I hope) they (Class 3) contribute to my pension.

atush

I will be getting a UK state pension and US soc security (and a small states of jersey pension).

How many years did she work in the USA before coming to britain?

Tigsteroonie

reg091 wrote: »

Thanks Mrschaucer. Yes, indeed. He is nearly three and I have been his full-time carer since he was about six months. I recently discovered that I can get the NI credits transferred to me from my wife's CB Account. She earns too much to get CB but apparently has still been being credited with the NI credits, which seems vaguely daft to me as she is also paying vast amounts of NI!

Anyway, I have to apply at the end of every tax year to get those credits to my account and (I hope) they (Class 3) contribute to my pension.

Why not just ask for the Child Benefit to be paid to you instead? Then you don't have to request transfer of the credits.

reg091

Tigsteroonie - there is no CB payable as she earns too much. Perhaps I could have the credits "paid" to me instead of her rather than having to request it at the end of every tax year.

reg091

atush wrote: »

I will be getting a UK state pension and US soc security (and a small states of jersey pension).

How many years did she work in the USA before coming to britain?

She worked in the US for a few years after Uni but has been the majority of her working life in the UK. She is only 38 now so the majority of her pension contributing has been here.

JezR

Note that in that case if she made fewer than the minimum level of contributions required for a pension made in the USA before she came here, that the years of contributions here will count towards that for qualification purposes because of reciprocal arrangements. So she should get a pro rata pension from the USA as well.