Buying state pension years

HeparGirl24

Yes. We've both got Government Gateway accounts so I will get the most recent information and send it off with the form. I have  the original French pension calculation award statement showing the exact dates he was self employed there so I could send that as well.

Thanks for all your help.

p00hsticks

HeparGirl24 said:

Yes. We've both got Government Gateway accounts so I will get the most recent information and send it off with the form. I have  the original French pension calculation award statement showing the exact dates he was self employed there so I could send that as well.

If you post the information up her as well people will be able to confirm how many years are needed and which ones. 

HeparGirl24

You have: 29 years of full contributions

2 years to contribute before 5 April 2024

19 years when you did not contribute enough

2022 to 2023 Your record for this year is not available yet

2021 to 2022 Year is not full View details

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molerat

A couple more bits of information needed to help

Current £££.pp amount accrued up to April 2022
Any COPE amount shown

HeparGirl24

£153.94 per week.
COPE estimate £27.64

molerat

He needs 6 years to reach the maximum.  He can only add one year from 2015-16 and earlier, he is limited to 30, the rest must come from 2016-17 and later.

HeparGirl24

So going back to my original post, if I understand correctly it is not worth contacting HMRC to ask if he can pay class 2 contributions for his self employment in France as that was between years 2010 and 2014, years he can't buy anyway?  

molerat

He can purchase 1 so would be a saving of around £650.

HeparGirl24

I'll send in the forms and statements and see what happens. A potential £650 saving is worth the price of a stamp.

Thanks for working it all out for me/him.

nigelbb

HeparGirl24 said:

He has a tiny French pension of 135€ a year, awarded when he was 62. Although they counted the UK qualifying years to meet the 10 year qualifying period, France only counted his 2 years salaried work for their pro rata calculation as he did not meet the minimum income when he was self employed to qualify for their "trimestres". Which is why getting a full UK one is so important.

The way the French pension works is that while you can take your pension at age 62 if you don't have a certain minimum number of trimestres (was 166 but is increasing) then your pension is paid at a reduced rate (en taux reduit) but if you wait until age 67 then you will receive your pension at the full rate (en taux plein). UK contributions for years when you did not contribute in France can be counted towards the minimum number.