Coffeeortea
Registered User
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- 19
I received the below letter today. I only posted the form to them 8 weeks ago so this seems very fast from what I read here. I can see there are some of you are very well versed on this issue on here, so can someone who has a clear understanding of this, tell me what does this mean? View attachment 8907
The confirmation is verbal over the phone. In your case based on the fact that you have only 3 years contributions it's a given that it will. However there are people who through work might already have enough contributions and in theory could receive the same letter above and purchase the above not understanding that for them it's a waste of money as they will get no benefit for overpaying their NICs.The piece on page 2 about needing the pension service to confirm you pension will increase if you pay a shortfall is slightly odd, surely by default it will and what form/medium does this confirmation come in ?
In my case I need 39 years of contributions. The explanation provided by DWP was because I was contracted out for several years. DWP was able to tell me that 4 extra years were required for a maximum pension benefit.I now have 35 years of contributions but a £15 gap exists between the current full UK state pension and my estimate. Is it possible to buy a 36th and 37th year to gain the full pension or is it capped out at 35 years ?
Edit, The answer was on the first page of the Gov.uk new state pension website! "If you were contracted out, you will usually need more than 35 qualifying years to get the full rate of new State Pension" .
Because they are the rules! I don't follow the logic myself for the rules but it is what it is. If you're not in employment you pay the more expensive Class 3 (still good value).Aside(1) : To be perfectly honest, it's not clear to me the exact reasons why HMRC care whether a person is/was employed/unemployed while the person is living in Ireland, especially if the person never intends to return to the UK, unless there is some close sharing of data between the two jurisdictions.
Aside(2) : Maybe you could ask the agent that you are using to fill in some of the reasons why and how it's possible to receive 2 state pensions
There is routine information sharing for when people need to aggregate contributions. DSP and HMRC exchange records on request from each other. I don't know if there is on-demand "look-up" access to each other's databases but UK-Ireland Bilateral Convention on Social Security allows for exchange of relevant information.also the amount of information sharing between the jurisdictions?
I suspect HMRC simply took your work history at face value.does the UK pensions/revenue have access to our Irish tax systems ,ie can they know when you might have been unemployed or on maternity leave ( I ask this as it seems when I sent through my work history to the agent it showed 2 periods of unemployment here
I was told by HMRC with the online portal it will only show class 3 amounts by default, and should not be taken as an indication of what class she will be given.Hi
as I have said in an earlier post ,I have used an agent to process my application with the pension process ,we are trying to do my wifes ourselves and she has since registered on the GOVUK site ,from that we can see that all her historical back payments are all 800 pounds approx. (class 3 I assume ) ,she has yet to submit the CF83 form ,can I assume from this that all payments are Class 3 until the form is submitted and then should revert to Class 2
Are you working in Ireland or have you already retired?Do you have to still be working in Ireland to follow up the English pension?? Or can you be retired here? I worked there for nearly 4 years in the 80’s. And haven’t started process yet but thinking of retiring here
Per post #341.show class 3 amounts by default,
Can anyone who pays annual payment explain a little more about how to maintain it over time? For example, if I make my first annual payment on July 1st this year, does that mean HMRC will send me a letter requesting payment every July from now until I retire?Got you. I think I'd stick with annual payment, easier to track.
Yesdoes that mean HMRC will send me a letter requesting payment every [year]
Thanks @DannyBoyD so does that mean the date that I send the payment (e.g. 1st July) will be the same date every year?
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