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

Peckham said:
I get what you're saying, and there are risks involved no matter which decision you take. For example, the cold reality is that there are many making payments who don't live long enough to reap any rewards, so even buying 1 year is a risk in that sense.

I'm taking the view that I should pay as many years as I can now as there is a bigger risk (albeit still probably small) that voluntary or Class 2 contributions cease to be an option in the future, or they are priced at a level that makes future years much less affordable.

I've 20 years until I'm eligible to claim, and buying all available years now leaves me only needing to pay another 10 years.
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100% agree. Pay the maximum possible as early as possible. Get it done and forget about it.
Sure some people will not live long enough to reap the benefit but then they won’t miss it anyway.
 
DannyBoyD said:
Are you working in Ireland or have you already retired?
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I am working. Though not full time. Week on week off. I intend starting process this month
But I’d like to retire in a year or so.

Also I should add I’m already since 60 claiming a pension as I worked there for 4 years and was entitled to claim from 60.
I worked in education.
Will this cause a problem??
Can I have 2 pensions from there??

Apologies for late reply
 
I'm not following you at all.

What pension are you claiming? Neither UK nor Ireland pay a state pension at 60.

What do you mean by "2 pensions from there"?

Where is 'there'?

What two pensions do you believe you can claim?
 
Im claiming a pension from when I worked in England in education. For 4 years in the 80’s And could claim this from 60 years of age.
I’m claiming it for 2 years. It was a very simple profess

What I’m wondering is am I also able to apply for the state pension from England when the time comes if I top up my 4 years
In other words can I claim the state one as well as the teaching one

Thanks. Apologies for any confusion
 
Lets simplify this; if you still lived in the UK would you be able to claim the state pension at age 67?

No disrespect, but I can't imagine 4 years of contributions adds up to a large payment?
 
blanketyblank said:
Im claiming a pension from when I worked in England in education. For 4 years in the 80’s And could claim this from 60 years of age.
I’m claiming it for 2 years. It was a very simple profess

What I’m wondering is am I also able to apply for the state pension from England when the time comes if I top up my 4 years
In other words can I claim the state one as well as the teaching one

Thanks. Apologies for any confusion
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Only way to know is to contact them to get your forecast. Be mad not to find out.
 
Thanks I don’t expect to get a state pension for 4 years. My intention is to top up to 10 if it’s possible.
But my confusion is over the fact that I’m already getting my teachers pension and I’m not sure it would be allowed As partnership said. Worth a try
 
blanketyblank said:
Thanks I don’t expect to get a state pension for 4 years. My intention is to top up to 10 if it’s possible.
But my confusion is over the fact that I’m already getting my teachers pension and I’m not sure it would be allowed As partnership said. Worth a try
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I had 10 years of Local Govt service in UK from 1984-95, so I got a Local Govt pension from 60. I am also going to top up my UK State Pension to 35 years, I can draw that when I am 66 and 9 months in 2027.
So yes, you can have 2 pensions. Talk to DWP in Newcastle and they can confirm where you stand re your State Pension.
 
Yam1960 said:
I had 10 years of Local Govt service in UK from 1984-95, so I got a Local Govt pension from 60. I am also going to top up my UK State Pension to 35 years, I can draw that when I am 66 and 9 months in 2027.
So yes, you can have 2 pensions. Talk to DWP in Newcastle and they can confirm where you stand re your State Pension.
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Thanks very much for that
 
blanketyblank said:
Thanks I don’t expect to get a state pension for 4 years. My intention is to top up to 10 if it’s possible.
But my confusion is over the fact that I’m already getting my teachers pension and I’m not sure it would be allowed As partnership said. Worth a try
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I only worked for 4 years in the UK and just bought back 17 years and will pay for the next 7 years and will get over £200 per week
 
Hi, I was self employed for 3 years in the UK around 2008 and I applied for this. I got a letter back stating that I did not meet part of the regulation that requires the person is gainfully employed outside the United Kingdom (either on a elf employed basis or as an employee).

I am in full time employment in Ireland, and have been for many years. Any idea what they are looking for here, should i just send them my last few pay slips? or is it gainful employment immediately following my departure from the UK? Thanks.
 
I made a payment about 4 weeks ago via Wise using the short code and account number at the back of my 23-24 letter.

I rang at 8 this morning to confirm receipt and allocation. It took less than 10 minutes from beginning to end and I even changed the address.
 
Peckham said:
I get what you're saying, and there are risks involved no matter which decision you take. For example, the cold reality is that there are many making payments who don't live long enough to reap any rewards, so even buying 1 year is a risk in that sense.

I'm taking the view that I should pay as many years as I can now as there is a bigger risk (albeit still probably small) that voluntary or Class 2 contributions cease to be an option in the future, or they are priced at a level that makes future years much less affordable.

I've 20 years until I'm eligible to claim, and buying all available years now leaves me only needing to pay another 10 years.
Click to expand...
Did you have any issues actually making the payment for the contributions? I have just received a letter confirming Class 2 (happy days, as much cheaper), however I am struggling to find a way to pay. There is a mention of a 16 digit code, but this was not shared in the letter. I tried the helplines, but 45+ minutes on hold and then no real help. Anyone experienced anything similar?
 
JohnMM said:
Did you have any issues actually making the payment for the contributions? I have just received a letter confirming Class 2 (happy days, as much cheaper), however I am struggling to find a way to pay. There is a mention of a 16 digit code, but this was not shared in the letter. I tried the helplines, but 45+ minutes on hold and then no real help. Anyone experienced anything similar?
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It's not fully clear in the letter, but details are here (about halfway down the page)

www.gov.uk

Pay voluntary Class 2 National Insurance contributions if you do not pay through Self Assessment

How to pay Class 2 self-employed National Insurance contributions - online, bank transfer, cheque, payslips.
www.gov.uk www.gov.uk

You may wish to ring them to confirm which years you are paying so they allocate the payment correctly. That's what I did, but I only paid for a few years. Will make further payment later this year.
 
I can't remember any of the addresses I lived in (despite buying my own house there) but have all the information on the company I worked for. Has anyone any experience of getting their National Insurance number this way? Will HM be able to track and trace on that alone? I reached out to the company I was employed with and the MD (same guy who I worked with many moons ago) has searched high and low for me but says they do not keep records that far back. I can't believe how bad my memory is.
 
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