Not looking good for expat pensioners after BREXIT !!

[Deleted User]

Malthusian wrote: »

Anyone relying on state benefits...

This is why Thai people who receive UK state benefits don't get inflation-linking, because a) the Thais haven't given us a quid pro quo and b) post-working-age people in Thailand who have too little income to live on are the Thai welfare state's problem, unless they exercise a right to move back here.

a) Canadians living in Britain get inflation linking. And New Zealanders. And Australians. Brits in these countries do not get inflation linking. The “quid pro quo” claim is a red herring.

b) Pension isn’t “welfare”. People pay into the system on the basis that they will get it back in the form of a pension. Nobody pays benefits/welfare to non-taxpayers living abroad. UK does pay pensions; it’s merely discriminating depending on which country you moved to.

bostonerimus

Malthusian wrote: »

In reality the State giveth and the State taketh away again and always has done.

This does not need to be the case. There are certainly many administrations for which it is true, and I hope the electorate will remind whatever government is in power about the essential nature of State Pension and the NHS.

The idea that the State will keep everyone not just alive but in a dignified existence is a relative novelty which has only existed for a few decades, i.e. since World War II and Nye Bevan.

I think Bismarck back in the 1880s was the origin of the modern government social security net. Using something like a payroll tax to ensure a minimum of health housing and food for the population is one of the great modern leaps forward and it must be protected.

Thatcher said no such thing in the context of benefits.

I was remembering the last paragraph of your Thatcher quote to be about benefits and reading it now it still comes across to me as all about benefits and the social security net.

nigelbb

Malthusian wrote: »

The idea that the State will keep everyone not just alive but in a dignified existence is a relative novelty which has only existed for a few decades, i.e. since World War II and Nye Bevan.

The first UK state pension was introduced in 1908 but this was more a basic benefit for those on low/no income. The modern state pension with contributions from employer & employee commenced in 1925.

Gin_and_Milk

Sunnylifeover50plan wrote: »

Afternoon - might be a simple question to answer linked to the main thread title. We are considering a move to Spain, likely to be for at least 5 years.
I am 50 and my wife 53 at this time - she has fully paid for her UK state pension and I am 4 years short.
We have both looked on the Govt. website for projected state pension and my question is...if we move abroad, given we aren't claiming state pensions and won't for a number of years, will our projected pension amounts be uplifted in the same way as UK domiciled folk who are yet to be in receipt.
Secondary question will I be able to top my state pension up with the cheaper class 2 NI stamp for my 3.5 years shortfall and if so any idea on how much this might cost?
thanks

With regards to your plans for moving abroad, I would take out the state pension altogether when planning how you will afford to live out there.
As I said in an earlier post, a recent think tank declared that in order to make the state pension sustainable, the state pension age would need to increase - in your case (and your wife), you could be looking at a state pension age of 70 - and that's for UK residents. Immigrants in other countries might not be entitled to anything at all.
If this government won't implement it, another one will.

bostonerimus

Gin_and_Milk wrote: »

With regards to your plans for moving abroad, I would take out the state pension altogether when planning how you will afford to live out there.
As I said in an earlier post, a recent think tank declared that in order to make the state pension sustainable, the state pension age would need to increase - in your case (and your wife), you could be looking at a state pension age of 70 - and that's for UK residents. Immigrants in other countries might not be entitled to anything at all.
If this government won't implement it, another one will.

I think this is an extreme scenario.

Right now a UK citizen can move to Spain without a visa, but that will probably change post Brexit and the status of things like health care is unknown. So you can either get in under the wire but won't know your eventual status and potential problems or wait to see what happens and maybe have a harder time with the initial immigration rules.

Gin_and_Milk

bostonerimus wrote: »

I think this is an extreme scenario.

Right now a UK citizen can move to Spain without a visa, but that will probably change post Brexit and the status of things like health care is unknown. So you can either get in under the wire but won't know your eventual status and potential problems or wait to see what happens and maybe have a harder time with the initial immigration rules.

I misread the original post where it stated that they were going for 5 years, possibly longer, and must have thought they said the were going IN 5 years or longer, so in that context it could be an considered extreme scenario.
If that's not what you meant, then we'll have to agree to disagree about the extreme nature of it. The original post made no comment about healthcare, so I'm only picking up on your point about it - anyone moving to Spain regardless of Brexit would be a fool not to take out private health insurance, EHIC simply isn't good enough for residents and this is widely known.
The bottom line is, no-one knows what will happen and we could spend all day, everyday trying to second guess what the final arrangements will be and when those will be in place. I have friends who have just put their house up for sale with a view to moving to Cyprus as soon as possible. Personally I think they're mad, but that's up to them.

Sunnylifeover50plan

It's safe to make the assumption that I have considered healthcare etc. I am mostly interested in whether, being below state pension age but living abroad, the panel thought I would benefit from pension forecast uplift until such time I became old enough to receive it.

Sunnylifeover50plan

Gin_and_Milk wrote: »

I misread the original post where it stated that they were going for 5 years, possibly longer, and must have thought they said the were going IN 5 years or longer, so in that context it could be an considered extreme scenario.
If that's not what you meant, then we'll have to agree to disagree about the extreme nature of it. The original post made no comment about healthcare, so I'm only picking up on your point about it - anyone moving to Spain regardless of Brexit would be a fool not to take out private health insurance, EHIC simply isn't good enough for residents and this is widely known.
The bottom line is, no-one knows what will happen and we could spend all day, everyday trying to second guess what the final arrangements will be and when those will be in place. I have friends who have just put their house up for sale with a view to moving to Cyprus as soon as possible. Personally I think they're mad, but that's up to them.

Private healthcare is a prerequisite for early inactifs in Spain, after a year one can contribute to their convenio especial, or state healthcare about 65 euro a month per person.

After 3 years of trying to exit the EU it strikes me that it will likely never happen and so if we are to live under the EU yoke I might as well be in an EU country and benefit from sunshine. I am loathed to pay any more tax/ ni in the UK.

I hope your friends like Cyprus

nigelbb

Sunnylifeover50plan wrote: »

It's safe to make the assumption that I have considered healthcare etc. I am mostly interested in whether, being below state pension age but living abroad, the panel thought I would benefit from pension forecast uplift until such time I became old enough to receive it.

The annual pension uprating & whether you receive it or not only becomes a consideration after you start drawing your pension. If you are still below pension age & don't have enough contributions for maximum pension you should continue paying voluntary contributions while abroad.

It's almost a certainty that pension uprating & healthcare provisions will continue for British pensioners resident in the EU post-Brexit if indeed that ever happens.