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Voluntary contributions to NI for State Pension on years I worked in EU and paid NI there
Salv
Posts: 4 Newbie
Hi, for four years I worked in Belgium where I paid NI there that covers state pension. In my UK HRMC pension account, it shows that those years I didn't contribute, but I can do a voluntary contribution for £824.30. Should I voluntary contribute ? Or not needed, because I already paid in Belgium NI. The day I retire, will the UK contact Belgium to collect the contributions there ?
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Comments
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You've not given enough information for people to say if making voluntary contributions is a good idea
What exactly does your State Pension forecast say ?
Check your State Pension forecast - GOV.UK (www.gov.uk)
I may be wrong but my understanding is that your payments in Belgium won't increase your UK state pension but may entitle you to whatever the Belgian equivalent is.
When you approach retirement age and are invited by DWP to claim your UK state pension, you will be asked if you have ever worked abroad and where, and the International Pensions centre will then liaise with the relevant authorities abroad to arrange for any pension earned abroad to be paid.0 -
It says:
You need to continue to contribute National Insurance to reach your forecast
Estimate based on your National Insurance record up to 5 April 2022
£87.41 a weekForecast if you contribute another 19 years before 5 April 2048
£185.15 a week£185.15 is the most you can get
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How many full years do you have prior to April 2016 ?Salv said:It says:
You need to continue to contribute National Insurance to reach your forecast
Estimate based on your National Insurance record up to 5 April 2022
£87.41 a weekForecast if you contribute another 19 years before 5 April 2048
£185.15 a week£185.15 is the most you can get
How many full years after 2016?
Which years are available to fill ?
Is there a COPE figure mentioned (if there is a link talking about contracting out that you can click on ...)
Are you currently working and for how much longer do you intend to carry on working.....0 -
Your contributions in Belgium would only be relevant to the UK if you don't end up with the minimum 10 years required to receive a state pension. If that were to be the case then the Belgian years would be aggregated with the UK years and if that took you past the magic 10 years you would get a UK pension based on your less than 10 UK years.
The same applies in relation to Belgium but depending on how their pension rules work, especially if it is earnings-related, they may have to do the full EU calculations to establish how much to pay you. So, when you reach state pension age for Belgium you will be able to claim a Belgian state pension. The EU rules on the coordination of social security systems, that continue to apply, require Belgium to do 2 calculations and to award you the higher amount as a pension.
1. they calculate a pension based solely on your Belgian contribution record. If you don't hit any minimum years' requirement, then that would be £nil
2. they then calculate a "theoretical amount" of pension assuming all of your contributions were made in Belgium, but counting overlapping periods only once. This is then pro-rated based on your actual Belgian contribution periods.
If it is beneficial to pay UK voluntary NIC for the period you were in Belgium then that would create an overlapping period, so would not impact the Belgian calculations.
If you were working in the UK before you moved to Belgium and worked in Belgium then you probably qualify to pay Class 2 voluntary NI at about £164 per year, not £824. HMRC would normally suggest reading NI38 Social Security abroad: NI38 - GOV.UK (www.gov.uk) and then submitting a form CF83 (linked to in NI38), ticking box 25 to indicate that you want to fill back years. Although you are back in the UK, that route seems desirable as HMRC has said that if it has the CF83 before 31 July then your position is protected in terms of years 2006/07 to 2016/17 that would otherwise go out of date at the end of July. Maybe add a covering letter along with the form?
But, if you provide the info requested above, you should have a good idea anyway of which years you could pay and would be left then, only, with the question of Class 2 v Class 3.1 -
THANKS. Very useful. HEre the information you request.
My account reads:
- 17 years of full contributions
- 26 years to contribute before 5 April 2048
- 6 years when you did not contribute enough
2022 to 2023Your record for this year is not available yet2021 to 2022Full yearView 2021 to 2022details
2020 to 2021Full yearView 2020 to 2021details
2019 to 2020Full yearView 2019 to 2020details
2018 to 2019Full yearView 2018 to 2019details
2017 to 2018Full yearView 2017 to 2018details
2016 to 2017Full yearView 2016 to 2017details
2015 to 2016Full yearView 2015 to 2016details
2014 to 2015Full yearView 2014 to 2015details
2013 to 2014Full yearView 2013 to 2014details
2012 to 2013Full yearView 2012 to 2013details
2011 to 2012Full yearView 2011 to 2012details
2010 to 2011Full yearView 2010 to 2011details
2009 to 2010Full yearView 2009 to 2010details
2008 to 2009Full yearView 2008 to 2009details
2007 to 2008Year is not fullYou did not make any contributions this yearFind out more about gaps in your record and how to check them.You can make up the shortfallPay a voluntary contribution of £824.20 by 5 April 2023. This shortfall may increase after 21 April 2023.Find out more about voluntary contributions.2006 to 2007Year is not fullYou did not make any contributions this yearFind out more about gaps in your record and how to check them.You can make up the shortfallPay a voluntary contribution of £824.20 by 5 April 2023. This shortfall may increase after 21 April 2023.Find out more about voluntary contributions.2005 to 2006Year is not fullYou did not make any contributions this yearFind out more about gaps in your record and how to check them.It’s too late to pay for this year. You can usually only pay for the last 6 years.
2004 to 2005Year is not fullYou did not make any contributions this yearFind out more about gaps in your record and how to check them.It’s too late to pay for this year. You can usually only pay for the last 6 years.2003 to 2004Year is not fullYou did not make any contributions this yearFind out more about gaps in your record and how to check them.It’s too late to pay for this year. You can usually only pay for the last 6 years.2002 to 2003Year is not fullHide 2002 to 2003detailsYou have contributions fromPaid employment: £111.11Find out more about gaps in your record and how to check them.It’s too late to pay for this year. You can usually only pay for the last 6 years.0 -
You need another 16 years of contributions with 29 left to get them, plenty of spare time at the other end if needed. No point in buying back years.There should be a small amount of COPE showing on your forecast.0
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