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

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
 
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
 
Your wife will likely have to show that she was working to avail of class 2 rates.

I did this by way of sending a cover letter with my form CF38 and a copy of my PRSI history showing that I've been in full time employment since moving.

If it is the case that your wife didn't work some years then the higher Class 3 rates will apply to those years.
 
Canine said:
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
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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.
 
blanketyblank said:
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
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Are you working in Ireland or have you already retired?
 
Applied online April 10th just gone and got a letter today confirming I can pay Cat 2. Far faster timeline than most have had to endure. I must go back and read the Revolut payment instructions. God bless ye all ye lovely bastards
 
Ditto. Applied on April 22nd & got same letter late last week. Happy days. From speaking with others who have already done it some months ago paying via Revolut definitely the way to go.

Worked for 4 years in UK in the early 90’s; have been given 8 years credit; can now make 18 years AVCs for just less than 3k sterling in total; will pay about £170 annually for next 9 years & then access a full UK state pension @ 67.

Mad isn’t it but who’s complaining !.
 
Hi All, Quick Q - after working in the UK 6+yrs, I came back to Ireland for 1 month, then left to work in Canada for 1 year. I then returned to Ireland where I've been working since. Does anyone know if declaring Canada on the CF83 will impact my success of an approved application for the pension?
 
DannyBoyD said:
Got you. I think I'd stick with annual payment, easier to track.
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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?
 
Hi All

Thanks for all the information provided in this thread. I recently received my letter from HMRC stating I can pay Class 2 contributions back to 2006 which is brilliant news as I only worked parttime during my student days in the North in the 90s and wasn't even sure I would qualify.

So I went on the website to see how I can make payments and found the IBAN details as mentioned elsewhere in this thread. What has thrown me is the section below which states that "There’s a different way to pay Class 2 National Insurance if you live or work abroad permanently" which applies to me (and most people in this thread I suspect). I clicked on the link and all it does is bring you to information on applying to pay voluntary contributions which I have already done.

I am confused, does anyone know what the "different" way of paying is? It is going to cost me about €3500 to make up the 18 years of contributions so I want to ensure that I am doing this right.

1719088235298.png
 
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redchariot said:
Hi All

Thanks for all the information provided in this thread. I recently received my letter from HMRC stating I can pay Class 2 contributions back to 2006 which is brilliant news as I only worked parttime during my student days in the North in the 90s and wasn't even sure I would qualify.

So I went on the website to see how I can make payments and found the IBAN details as mentioned elsewhere in this thread. What has thrown me is the section below which states that "There’s a different way to pay Class 2 National Insurance if you live or work abroad permanently" which applies to me (and most people in this thread I suspect). I clicked on the link and all it does is bring you to information on applying to pay voluntary contributions which I have already done.

I am confused, does anyone know what the "different" way of paying is? It is going to cost me about €3500 to make up the 18 years of contributions so I want to ensure that I am doing this right.

View attachment 8965
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That is the A/C numbers I used. and it showed up the in my HMRC account about 8 weeks later.
Make sure in MESSAGE to Sender you put in your NI Number in the example they provide so NI number, IC, surname and initials all in one word so they can match it.
 
My Wife has 12 years of voluntary contributions she can pay but doesn't want to invest all the money at the moment, would rather pay about 5 or 6 years and then pay it annually, will still have plenty of time to get to over 35 years (its 25 years left currently).
ONe of the more recent years just needs £53.55 where as the olderst years are £163.80. IS ther eany way to pay a more recent year first? Is there a webchat or email or do we have to phone up to get info? I could only see phone numbers online.

Edit I rang up and she said they should do the lowest amounts first but if not I can ring up after and sort it.

Just didn't want to be to blame for my wife putting in a couple of grand and something changing in the next 20 years! unlikely brexit will be reversed or anytihng but it's a long time! At least if doing it annually we can just stop if something changed.
 
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Chrisofthewhite said:
My Wife has 12 years of voluntary contributions she can pay but doesn't want to invest all the money at the moment, would rather pay about 5 or 6 years and then pay it annually, will still have plenty of time to get to over 35 years (its 25 years left currently).
ONe of the more recent years just needs £53.55 where as the olderst years are £163.80. IS ther eany way to pay a more recent year first? Is there a webchat or email or do we have to phone up to get info? I could only see phone numbers online.

Edit I rang up and she said they should do the lowest amounts first but if not I can ring up after and sort it.

Just didn't want to be to blame for my wife putting in a couple of grand and something changing in the next 20 years! unlikely brexit will be reversed or anytihng but it's a long time! At least if doing it annually we can just stop if something changed.
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The 2023 to 2024 year has gone up £179.40 and is only going up, so the previous years £163.80 is cheap so if 16 years are on offer for £163.8 a years for £2620.8 that leaves 7 years to she has the full pension of 35 years (12 years + 16 years + 7 years) 7 years before increases @ £179.40 = £1255.80 give a total cost off £3876.60 for a pension of £221.20 Per Week (todays rate) or £11502.40 PA, Maybe you should look up a private pension costs for that amount and see how insanely cheap a UK state pension is. NOTE the 16 year buyback is only available till April 2025
 
Chrisofthewhite said:
My Wife has 12 years of voluntary contributions she can pay but doesn't want to invest all the money at the moment, would rather pay about 5 or 6 years and then pay it annually, will still have plenty of time to get to over 35 years (its 25 years left currently).
ONe of the more recent years just needs £53.55 where as the olderst years are £163.80. IS ther eany way to pay a more recent year first? Is there a webchat or email or do we have to phone up to get info? I could only see phone numbers online.

Edit I rang up and she said they should do the lowest amounts first but if not I can ring up after and sort it.

Just didn't want to be to blame for my wife putting in a couple of grand and something changing in the next 20 years! unlikely brexit will be reversed or anytihng but it's a long time! At least if doing it annually we can just stop if something changed.
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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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