Am I Eligible For The UK State Pension?
Have you worked in the UK for 3 years over the last 35 years and are under 66 ?
Contact us today to see how you can buy back up to 17 years at a fraction of the benefit. The deadline for claims is April 2025
We Can Guide You Through The Process
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UK State Pension Recording Teaser
Here is a snippet of the webinar you will receive once the fee of €75 is paid. We will be available to you via email to answer any questions or queries you might have after watching the webinar.
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What To Expect
For individuals with both pre and post 5th April 2016 national insurance contributions the state pension entitlement is the aggregate of:
– State pension entitlement accrued up to 5th April 2016 @ £141.85 per week
PLUS
– State pension entitlement accruing after 5th April 2016 @ £185.15 per week
The state pension entitlement accrued up to 5th April 2016 is referred to as the starting amount
What To Expect
Pre 5th April 2016
The current standard state pension payment from 5th April 2020 is £141.85 per week. To qualify in full for the weekly payment you had to have 30 full qualifying years on your national insurance record ie.
30/30 x £141.85 per week
If you had less than 30 qualifying years, then you qualify on a proportional basis (subject to having the minimum 10 years). Therefore, if you had 10 years you were entitled to
10/30 x £141.85, or £47.28 per week.
Post 5th April 2016
With effect from 5th April 2020 the standard rate of state pension payment in the UK is £185.15 per week. However, to qualify for the full weekly payment you now need a 35 qualifying years on your national insurance record, instead of the previous 30 years. Therefore, an individual with 10 qualifying years on their national insurance record after 5th April 2016 (ie retired in April 2026) will qualify for:
10/35 x £185.15, or £52.90 per week
Individuals who have made contributions before and after 5th April 2016 have a hybrid entitlement to the state pension of both pre and post 5th April 2016 state pension benefits, key to which is the ‘starting amount’.
Amounts quoted above are based on the published UK state pension rates for the year beginning 5th April 2022.
Retirement Age In The UK
The state pension originally was payable from when a male reached the age of 65 and a female reached the age of 60. The female retirement age was raised progressively since 2010 to converge on the male retirement age.
In recognition of the significant increases in life expectancy and the increasing burden on the State to fund pensions, the state retirement age is being progressively increased. Since 2020 the state retirement age is 66 for both males and females.
The retirement age will raise to 67 for both males and females from 2028 and there are plans to raise the retirement age further to 68. Similar provisions for deferring the State Pension age have already been implemented in Ireland but are in general, slightly more severe.
What Is It?
Triple-lock provisions in relation to state pensions were introduced by the Conservative-Liberal Democrat coalition in 2010 and is effectively a government commitment that the state pension will rise annually by the higher of:
-The rate of inflation (CPI)
-The increase in the average rate of Earnings
-2.5%
The ‘triple-lock’ has no legislative basis. It is only a political commitment and can be revoked at any time. However, it still effectively represents a government commitment of annual increases in the State Pension. No such guarantee or commitment exists in Ireland.
It is implicit in the Brexit withdrawal agreement as it stands that EU resident pensioners will continue to enjoy the benefits of the “triple lock” as long as it remains government policy.
We Can Help You
For individuals with both pre and post 5th April 2016 national insurance contributions the state pension entitlement is the aggregate of:
– State pension entitlement accrued up to 5th April 2016 @ £141.85 per week
PLUS
– State pension entitlement accruing after 5th April 2016 @ £185.15 per week
The state pension entitlement accrued up to 5th April 2016 is referred to as the starting amount
Pre 5th April 2016
The current standard state pension payment from 5th April 2020 is £141.85 per week. To qualify in full for the weekly payment you had to have 30 full qualifying years on your national insurance record ie.
30/30 x £141.85 per week
If you had less than 30 qualifying years, then you qualify on a proportional basis (subject to having the minimum 10 years). Therefore, if you had 10 years you were entitled to
10/30 x £141.85, or £47.28 per week.
Post 5th April 2016
With effect from 5th April 2020 the standard rate of state pension payment in the UK is £185.15 per week. However, to qualify for the full weekly payment you now need a 35 qualifying years on your national insurance record, instead of the previous 30 years. Therefore, an individual with 10 qualifying years on their national insurance record after 5th April 2016 (ie retired in April 2026) will qualify for:
10/35 x £185.15, or £52.90 per week
Individuals who have made contributions before and after 5th April 2016 have a hybrid entitlement to the state pension of both pre and post 5th April 2016 state pension benefits, key to which is the ‘starting amount’.
Amounts quoted above are based on the published UK state pension rates for the year beginning 5th April 2022.
The state pension originally was payable from when a male reached the age of 65 and a female reached the age of 60. The female retirement age was raised progressively since 2010 to converge on the male retirement age.
In recognition of the significant increases in life expectancy and the increasing burden on the State to fund pensions, the state retirement age is being progressively increased. Since 2020 the state retirement age is 66 for both males and females.
The retirement age will raise to 67 for both males and females from 2028 and there are plans to raise the retirement age further to 68. Similar provisions for deferring the State Pension age have already been implemented in Ireland but are in general, slightly more severe.
Triple-lock provisions in relation to state pensions were introduced by the Conservative-Liberal Democrat coalition in 2010 and is effectively a government commitment that the state pension will rise annually by the higher of:
-The rate of inflation (CPI)
-The increase in the average rate of Earnings
-2.5%
The ‘triple-lock’ has no legislative basis. It is only a political commitment and can be revoked at any time. However, it still effectively represents a government commitment of annual increases in the State Pension. No such guarantee or commitment exists in Ireland.
It is implicit in the Brexit withdrawal agreement as it stands that EU resident pensioners will continue to enjoy the benefits of the “triple lock” as long as it remains government policy.