UK pensions

Saffrongael · March 28, 2025, 05:18:33 PM

Quote from: gallsman on March 28, 2025, 01:45:22 PMYou don't get the same pension if you haven't contributed the full 35 years. You have to have a minimum of 10 and everything in between is pro rated.

Yes I know that, I mean if you haven't worked you get all your contributions paid for you

Tony Baloney · March 28, 2025, 05:42:13 PM

Quote from: Saffrongael on March 28, 2025, 01:42:33 PMThere should be some distinction (higher payments) if you paid in for the 35 years as opposed to those that didn't & get the same pension.

100%.

AustinPowers · March 28, 2025, 07:03:20 PM

Quote from: Tony Baloney on March 28, 2025, 05:42:13 PM
Quote from: Saffrongael on March 28, 2025, 01:42:33 PMThere should be some distinction (higher payments) if you paid in for the 35 years as opposed to those that didn't & get the same pension.
100%.

What about those who psychically can't work? I know there are a few playing the system , but I know of genuine people who have rarely or were never able to work. So is it right that they are unfairly punished due to their disabilities ?

Tony Baloney · March 28, 2025, 07:07:35 PM

Quote from: AustinPowers on March 28, 2025, 07:03:20 PM
Quote from: Tony Baloney on March 28, 2025, 05:42:13 PM
Quote from: Saffrongael on March 28, 2025, 01:42:33 PMThere should be some distinction (higher payments) if you paid in for the 35 years as opposed to those that didn't & get the same pension.
100%.

What about those who psychically can't work? I know there are a few playing the system , but I know of genuine people who have rarely or were never able to work. So is it right that they are unfairly punished due to their disabilities ?

That's different for sure.

SpeculativeEffort · April 01, 2025, 04:25:41 PM

Quote from: gallsman on March 27, 2025, 07:48:53 PMGreat, thanks for that. Quickly fired off an "I live abroad application" there. Have to say, the gov.uk website is terrific. Have always found it incredibly easy to use.

That said..."You can expect a reply by
30 April 2026"

I cannot find the form that can be completed online. Can only find a form that you fill in and print at the end before posting. Can you provide a link? Is the CF83 the correct form?

gallsman · April 01, 2025, 04:49:19 PM

https://www.gov.uk/guidance/apply-to-pay-voluntary-national-insurance-contributions-when-abroad-cf83

That's where I did it. You can choose to pay going forwards, pay in arrears or both.

marty34 · April 01, 2025, 07:21:59 PM

Do they not ring you back or somthing after you've filled the form?

gallsman · April 01, 2025, 08:22:02 PM

Yes, I'm waiting on a call back. But I don't have to print, sign, post anything etc. It's all done on the web page.

marty34 · April 01, 2025, 08:45:06 PM

Quote from: gallsman on April 01, 2025, 08:22:02 PMYes, I'm waiting on a call back. But I don't have to print, sign, post anything etc. It's all done on the web page.

Did you keep a screenshot of the callback message?

Email it yourself just in case.

gallsman · April 01, 2025, 09:50:59 PM

There's an email receipt with a reference number and all:

QuoteHMRC received your application to pay voluntary contributions for periods living or working abroad

Dear XXX

We received your application to pay voluntary contributions for periods living or working abroad.

Your submission reference is: XXXX-XXXX-XXXX

We will write to you to confirm if your application has been approved.

For periods before the current tax year
HMRC will also write to you to confirm past periods you are eligible to pay (if any) and the costs and time limits for these. We will also include details of how to pay if you decide it will benefit you to do so.

dec · April 01, 2025, 10:40:19 PM

I applied in late January and received a letter in mid March (and it is just a physical letter, nothing available online)

It lays out how much you need to pay for each tax year back as far as 2006 to 2007

eg

Tax year 2006 to 2007
Number of weeks 52
Weekly rate of contribution £3.15
Amount £ 163.80
Payment date without penalty 5-April-2025
Final time limit 5-April-2025

For any year where I was not working every week (eg between jobs) the amount was $15.85 per week. If I was working (in my case in the US) I only had to pay £3.15 per week

If any of you get to speak to someone you should confirm if the payment must be received by 5th April of this year or is it just getting the application in

In the letter I got the Final time limit column says 5 April 2025 for the 2018 to 2019 tax year and before

For the most recent years Payment date without penalty is this year but the final time limit goes out 6 years after the end of the tax year

Dougal Maguire · April 02, 2025, 08:35:40 AM

Does anyone here have a Government occupational pension that's affected by the McCloud Judgement?

Delgany 2nds · April 02, 2025, 10:12:19 AM

Quote from: Dougal Maguire on April 02, 2025, 08:35:40 AMDoes anyone here have a Government occupational pension that's affected by the McCloud Judgement?

Still working but , few years to do before pension but within Mc Cloud judgement determination in finalising my best option

oakleaflad · April 02, 2025, 10:41:17 AM

Quote from: Dougal Maguire on April 02, 2025, 08:35:40 AMDoes anyone here have a Government occupational pension that's affected by the McCloud Judgement?

No, but previously worked in pensions for the health service so have a decent understanding of it if you've any questions.

Dougal Maguire · April 02, 2025, 01:32:42 PM

Quote from: oakleaflad on April 02, 2025, 10:41:17 AM
Quote from: Dougal Maguire on April 02, 2025, 08:35:40 AMDoes anyone here have a Government occupational pension that's affected by the McCloud Judgement?
No, but previously worked in pensions for the health service so have a decent understanding of it if you've any questions.

I haven't got my McCloud assessment yet. Semi retired 4 years ago, fully retired a year ago. A friend who semi retired last year showed me his figures, commute £6k per year, pay back £10k to receive £91k plus £130k interest.