Key Post UK State Pension - Make voluntary contributions to qualify for UK pension on top of Irish pension

Marc said:
Apparently there is someone in LA charging four and a half grand to handhold people through this process
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A friend of mine earning well into six figures is paying a professional for advice and to fill in his form CF83.

My friend is then double-checking the professional advice with me. I'm tempted to send an invoice too:)
 
Just got a letter from HMRC for my spouse. The CF83 form was received on 7th November 2022 and the letter was dated 11th July, just got here a tad over 2 weeks.

Spouse has 4 years of paid NI credits and can buy back 17 years up to 2022 for €824 - Class 3, then pay a few more until he's 66 in Oct 2026.
We have until 5th April 2025 to pay, we could actually pay now. I know he is unlikely to get a full Irish state pension, he's in the 30-39 band of yearly average contributions. I feel it's worth a potential £129pwk/€150pwk at today's value and the fact that within 3 years he have his money back, he just wants time to think about it.:rolleyes:
 
The payback period is a good way of evaluating if it is worth buying NICs, but I think a better way is to look at how much it would cost to buy an annuity that provided the level of income of the pension with guaranteed uplifts.

I've seen estimates in the region of 250k for a full UK pension.
 
Yam1960 said:
Just got a letter from HMRC for my spouse. The CF83 form was received on 7th November 2022 and the letter was dated 11th July, just got here a tad over 2 weeks.

Spouse has 4 years of paid NI credits and can buy back 17 years up to 2022 for €824 - Class 3, then pay a few more until he's 66 in Oct 2026.
We have until 5th April 2025 to pay, we could actually pay now. I know he is unlikely to get a full Irish state pension, he's in the 30-39 band of yearly average contributions. I feel it's worth a potential £129pwk/€150pwk at today's value and the fact that within 3 years he have his money back, he just wants time to think about it.:rolleyes:
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Can I ask if he is currently paying PRSI in Ireland? I’m wondering why he has to pay class 3 rather than class 2 rate?
 
HI TrishC, he is paying Class 3 as immediately before leaving the UK he was in full-time higher education.
The HMRC rules say you have to be working immediately before leaving the UK, to get the Class 2.
I'm fine with that. He got 3 years of university education for free and didn't have to pay back his student loan as he fell below the salary threshold when he started back at work in Ireland and then his loan debt was expunged as he aged out.
 
Yam1960 said:
HI TrishC, he is paying Class 3 as immediately before leaving the UK he was in full-time higher education.
The HMRC rules say you have to be working immediately before leaving the UK, to get the Class 2.
I'm fine with that. He got 3 years of university education for free and didn't have to pay back his student loan as he fell below the salary threshold when he started back at work in Ireland and then his loan debt was expunged as he aged out.
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Thanks for your response. It’s a complicated system and it’s helpful to know the different rules governing the Class 2 and Class 3 categories. I was working immediately prior to leaving the U.K. in 1994 and continue to pay PRSI in Ireland so I’m hopeful that I’ll qualify for the Class 2 rate.
 
TrishC, you are like me. I worked right up to before I left England and I was able to pay Class 2 contributions, which I expected.
 
Yam1960 said:
TrishC, you are like me. I worked right up to before I left England and I was able to pay Class 2 contributions, which I expected.
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Thanks again Yam1960, that’s what I’m hoping for too. I’m scheduled to get a response from them in January 2024. I’m half expecting them to withdraw the offer or narrow down the criteria when they realise just how many people are applying!
 
TrishC said:
withdraw the offer or narrow down the criteria
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Unlikely at this point for anyone currently in the system.

Thats not to say there may be changes for new entrants further down the line.

For now I think its a pretty safe bet, once you are registered / paying contributions.
 
Is the address your previous UK address or your Irish address? Has anyone a pic of a properly filled out form they could share? ….save me 4 grand….:)
 
DannyBoyD said:
If this is the CF84 form - remind me which question number?
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Yes, CF83, It asks for your UK address in Q3, so I assume this is your last UK address, you have moved to Ifeland so I assume that is your Irish address in Q7 and 8, and it asks your employer, which I assume is your current employer in Q14 and 15? Or is it your employer when you were in the UK?

In section 4 it asked about self employed/employment abroad…..I left that empty as not self employed, albeit I am employed by a UK entity that I am paid from, obviously following Irish tax requirements.

If there are any errors in a submission, will they come back and request clarifications?
 
From memory the process suggests an accompanying letter to provide any extra relevant information eg for listing multiple employers in Ireland. I suggest you clarify any possible ambiguity in that letter.
 
Kev1964 said:
From memory the process suggests an accompanying letter to provide any extra relevant information eg for listing multiple employers in Ireland. I suggest you clarify any possible ambiguity in that letter.
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Thank you
 
Hello
I have read through the forum but am aware this question may have been answered (but I cannot see it anywhere). Feel free to shoot me if I am asking an already answered question... :confused:

Was in the UK in 1996 - 2000. I have four years of contributions. ( Checked this by setting up My Govt Gateway ID etc and used my NI number)
I left UK and worked in Belfast part time whilst in college. I now live in Ireland.
I know I cannot pay for years pre 2006 but...it does say there are exceptions - one of which is being on a a Govt approved course ( not advised by Job centre) I take this to mean I'm still in the loop as my course was a Degree.
If this is the case can I apply and pay for contributions pre 2006 or am I wasting my time?

Thanks & please delete post if I am asking an obvious Q - I dont think I am.
 
I worked in the UK for 4 years to 1992. I am!claiming a pension from there since 60
_still working here.
Does this apply to me? Can!I top up although already getting a pension from there?
 
I don't understand your question, can you be clearer.

Are you claiming a UK state pension or private pension?

When you left the UK to live in Ireland, did you work in Ireland?

Have you ever paid voluntary NICs since coming to live in Ireland?
 
Hi There - I am hoping someone can help. I'm new to the forum here..any help greatly appreciated :)
I have 10 years of NI contributions already, I registered for MyGov ID and all that, so I can see my contribution record.
When I check online it tells me the cost of filling the gaps (from 2006 onwards) in class 3 rates - typically about £840 per year.
My question is - if I fill in and send off the CF83 form - is it possible I will qualify for Class 2 then? And if so will they then change the cost of filling in gaps on the portal?
ALso - sorry - when you do get to eventually pay - can you designate which years you are filling the gaps for?
Thanks in Advance!
 
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