"I am 50 should, I make Class 3 contributions to UK pension?"

Guidance notes to completing the CF83 are in the Key post
www.gov.uk

Social Security abroad: NI38

Find out about paying National Insurance contributions to the UK and getting benefits when abroad.
www.gov.uk www.gov.uk

CF83 looks pretty clear to me

Q. 18: Are you or will you be working abroad for an employer (Y/N)
if there's no UK address you say so and below it there's space for the address in Ireland

Q. 19: Are you or will you be self employed abroad (Y/N)

So it would seem to me that your answer to Q18 is 'no' and to Q19 'yes' if you are self employed.

Finally - we are not the decision makers - DWP are. Direct any complaints about their process in that direction.
 
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Question about this below: Is it asking me this in relation to WHEN I left the UK at that time (say 1995) or is it asking about NOW?

Q. 19: Are you or will you be self employed abroad (Y/N)

So it would seem to me that your answer to Q18 is 'no' and to Q19 'yes' if you are self employed.

I have 6 years on record so potentially could pay the other 4. I did send a CF38 last October but it is not showing on my record. I presume it has been lost.
 
sadie said:
Question about this below: Is it asking me this in relation to WHEN I left the UK at that time (say 1995) or is it asking about NOW?
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you answer the question based on the position at the time you left the UK
sadie said:
I have 6 years on record so potentially could pay the other 4. I did send a CF38 last October but it is not showing on my record. I presume it has been lost.
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Complete another CF83, keep a copy and send by recorded delivery. You can include a cover letter also.
 
The fist part of this puzzle is actually very simple.

If you have less than 10 year’s contributions you are not going to get anything at all.

If you make up your record to at least 10 years you will qualify for something.

So even at the higher rate everyone should at least make their record up to 10 years.

So for example if someone has 9 years credits, making an additional one year is an absolute no brainier.

Beyond that it’s a more nuanced cost benefit analysis
 
I'm Nobody said:
I've been back over my records.
Worked for 9 years in the UK.
I was told my pension would be £33 a week.
Topped up for 14 years at a cost of £2,176.
Pension next month will be £139 a week.
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Since qualify in January this year I have received €2,229 from the UK Pension.
Just need to make up the money I paid in from the 1970's now.
 
NoRegretsCoyote said:
Basically you pay £824 for each year and build up a 1/35th share of a UK state pension which is now £10,600 a year. 1/35 of £10,600 is more like £300 a year for life.

So to make it very simple: every £824 you contribute today gets you an extra £300 per year for life after you reach 67. Bear in mind that the pension is likely to remain indexed to inflation as well.
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I don't think it's worth it, if you have only 3 years of contributions. You might be better off to transfer these 3 years to boost your Irish pension, since you could be short of years for a full Irish pension.
 
Galrod said:
I don't think it's worth it, if you have only 3 years of contributions. You might be better off to transfer these 3 years to boost your Irish pension, since you could be short of years for a full Irish pension.
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You cannot transfer years from another country to your irish pension.
 
Please try to excuse if my post here is tedious at all. I have been unable to find any posts which refer to a similar situation to my own and I am very unsure what my best course of action is. I have been a carer for my disabled children since 1977 when I was 22. I moved from the UK to the Republic of Ireland in 1995. I got my non contributory pension on 2021. Following the new rules for carers I made an application for carers credits and have been granted 1280.The application wheels are moving slowly ,but it looks like I might get a full Irish statutory contributory pension or thereabouts. Inspired by this I did some research,it seems that the Pensions dept here will apply for a UK pension on my behalf. Although I barely was employed in the UK it seems that with caring it should give me about 22 years or so. I am guessing I will have to buy class 3 contributions. It will be quite a sum of money,but maybe I can borrow it. Presently I get a half rate carers allowance along with my pension which is means tested,but maybe will not be for much longer. What would be the advice of you knowledgeable chaps? I have no serious health issues barring Lyme so with luck may live for a good while yet. I am waiting to hear about both pensions for 3 months so far. Clearly there is a deadline for the purchase of contributions. I wonder if I should be bold and apply to buy at this stage or hold fire. Your response would be greatly appreciated as I am feeling somewhat at sea.
 
I'm not clear on your circumstances.

Can you clarify
1. Your age
2. If you worked in Ireland from 1995 onwards
 
I have an additional query ,would anyone have a clue? I see there is a question on said form asking about receipt of child benefit before leaving the UK. I don't suppose I have a chance of class 2 eligibility from this ?
DannyBoyD said:
I'm not clear on your circumstances.

Can you clarify
1. Your age
2. If you worked in Ireland from 1995 onwards
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I am 69 and will be 70 in January. I have worked on c e schemes for a few years from 2000 and a couple of years part time for the HSE. Not worked since 2004.
 
I'd put a call into DWP.

I don't think you'll qualify for Class 2 & it's debatable if there's any benefit to paying for Class 3.

DWP will be best placed to advise
 
Brendan Burgess said:
Even at age 30, it is the right thing to do.

£824 with interest rolled up at 4% for 35 years is £3,251

A £275 pension increasing at 3% a year for 35 years would be £773

So about 5 years pay back period is one way of looking at it. But 39 years in another way.


Brendan
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Thats why I tell my kids to start a pension young
 
MonoLy said:
Thats why I tell my kids to start a pension young
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Please don't quote me out of context to justify your poor, though common, advice to your children.
This is about the UK State Pension and not about pensions generally. If you want to discuss your children's pensions, do so in another thread.
 
Good morning everyone,

I wrote to HM Revenue & Customs BX9 1AN in the UK last November stating that although my NI record is showing that I am a class 3 I feel that I may be a class 2.

I recorded the letter. Should I write a reminder as I am still in limbo in terms of starting to pay contributions and get that side of things up and running?
 
Finance said:
Good morning everyone,

I wrote to HM Revenue & Customs BX9 1AN in the UK last November stating that although my NI record is showing that I am a class 3 I feel that I may be a class 2.

I recorded the letter. Should I write a reminder as I am still in limbo in terms of starting to pay contributions and get that side of things up and running?
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Did you submit your CF83 claim and get a letter back showing the contributions you need to make ?
 
I am 60 this year.

I have 6 eligible years and qualify for Class 3 (£824 per year).
I will buy 4 years to be eligible for one tenth of the UK to get the minimum £66 per week.

However, if I invested £11, 536 (£824 x 20) of savings to make it up to 20 years, I would get £113 a week for life after retirement age.

I was a stay at home parent for about 15 years so made Voluntary contributions to plug the gap towards my Irish pension.
I'm back working now but as contractor with no pension.

I have an old pension from a former career but this will only amount to about €300 a month at best.

Seems to make financial sense, except if god forbid something happened to me and I died prematurely, my family wouldn't benefit from my 'investment' at all.

Does it make financial sense to buy another 10 years of the UK pension on top of the 4 years?

I'd have recouped the £11, 536 after two years of claiming the UK pension...
 
DannyBoyD said:
For my money, yes definitely.

But its your cash, not mine.
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Strongly agree.

Putting numbers into Pension Planet shows that a €100k annuity at age 67 with 2.5% esclation adjustment guaranteed for 5 years would pay the equivalent of £66/week.

Great return for the additional £8,240 today.
kenneth12 said:
Seems to make financial sense, except if god forbid something happened to me and I died prematurely, my family wouldn't benefit from my 'investment' at all.
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Life tables give you approx 90% chance(assuming you are male) to survive to 70 and if you have excellent health today I suspect it would be even higher.
kenneth12 said:
However, if I invested £11, 536 (£824 x 20) of savings to make it up to 20 years
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And of course if you do this now, you could still continue to buy back years until retirement age, which would increase the weekly amount
 
Thankyou, very useful responses.
My user name sounds male as I forgot my old login as some point. But I'm female so hopefully statistically slightly higher chance of making it worthwhile.
 
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