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

DannyBoyD said:
Yes its possible. Crunch your own numbers, but generally you will do better to pay voluntary NICs in UK & claim both pensions when the time comes.
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I'm not entirely sure how to properly crunch the numbers. I have 16 years of full contributions in the UK where I was born and worked from 2004 until 2020. I then moved to Ireland in late 2020 at the age of 32 and have worked here ever since whilst making an additional 3 years of voluntary contributions in the UK to cover years 2021-2024. I can now continue to make voluntary contributions to HMRC on an annual basis for as long as I remain living and working in Ireland. So at the moment I have 19 full years of UK contributions (16 from paid employment plus 3 from voluntary NIC's) and I only have 4 full years of PRSI contributions in Ireland. Does there come a time where I will have already maxed out the required UK contributions and should therefore stop making any further voluntary contributions to HMRC? My colleague mentioned that the option to trade UK contributions towards Irish contributions is only going to be available for a limited period of time, so I was just concerned that this is maybe something I should already be looking into now before it is too late.
 
It looks to me that you could accumulate the full 35 years NIC required for a full UK State Pension.

And you could have 33-34 of the 40 years required in Ireland, from age 32 to 66.
 
AFAIK, it's not possible to divide up NICs, and say: keep 35 years worth to give me a State Pension, and transfer the other years to Ireland, to enhance my Irish State Pension.

AFAIK, it's all or nothing. Transfer all UK years to add to a social insurance record here, or don't transfer any.
 
I checked my application status today on HMRC and see that my online form is listed as completed. I applied on the 3rd of this month so I am surprised it has been dealt with so quickly. Not sure if this is good or bad news! Hopefully I'll get something in the post from them in the next two weeks or so.
 
Morning
we recently filled out a CF 83 form for my wife ,when asked the question when did we return home to Ireland we were unsure of the dates as it was over 32 years ago , we received correspondence yesterday saying that we were in receipt of a maternity payments after the dates we put down , we are fairly sure that we weren't but don't exactly know ,has anyone else dealt with this issue ?
 
Contradiction in letter from HMRC- I received letter from HMRC in response to my submitted CF83 which confirms ‘we have looked at the information in your application and have decided that you can pay voluntary Class 2 NICS by annual payment’ however on the next page under a heading Voluntary NICs Shortfall, the table says Class 3 NIC Shortfall rates and the figure for each year missing is £824.50. Has anyone come across this and how did they deal with it. When I look at online portal, it will not allow me to pay anyway and asks I contact them by phone which I will do. Also can anyone clarify if the actual pension benefit one receives from paying Class 2 is less than with Class 3. Thanks
 
Canine said:
correspondence yesterday saying that we were in receipt of a maternity payments after the dates we put down , we are fairly sure that we weren't
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Did you have a baby at that time?

Can you get a statement of your PRSI record which will show when you started working here.

Write back and advise that you have now confirmed your dates & attach your PRSI statement.

Keep a copy and send everything by recorded delivery.

Don't delay, time is running out.
 
@Powmer21 I would ring their helpline to query this 00441912037010 before you make any payment. Hopefully it is their mistake but best to have it clarified.
 
Be prepared for a long wait on the helpline phone numbers. So watch your phone charges.
On advice here I put Skype on my phone, and bought a subscription for Unlimited UK Landlines for €4.99 per month.
Which I can cancel at any time. Then you ring the UK from within the Skype app not your phone.
 
Thankyou both above. My wife called as I couldn’t today, they politely said that they feel I may have made a mistake in my CF83 as it would be unusual that it would be their error but I will need to call them tomorrow. I’ll update on the outcome.
 
A friend of mine was on maternity leave prior to leaving the U.K. and is being asked to pay Class 3 rates because of this, even though she was still on a payroll. Another friend was on sickness benefit prior to leaving so I suspect she’ll also have to pay Class 3, despite still being on the payroll at her job.
 
I have bought back my missing years as class 2 per letter received from HMRC. The online account detail for each year says 'you have contributions from self employment'. I wasn't self employed. I was employed in the UK and on my return to ireland, i was employed, not self employed. My CF83 and supporting letter detailed my employed status in Ireland and previously in UK
Has anyone come across this discrepancy. When I ask on the HMRC chat, they didn't really answer this?
 
Crocus100 said:
he online account detail for each year says 'you have contributions from self employment'.
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I think this is a "technicality" that allows the class 2 reduced contributions to be recorded online. Once you have the years contributions credited I wouldn't worry unduly about it.
 
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