Getting UK Pension and US SS Benefits
#1
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Joined: Nov 2017
Posts: 2
Getting UK Pension and US SS Benefits
Greetings,
New member.
UK citizen, residing in USA for last 16 yrs. with green card. Have been getting UK pensions for last few years, one since I turned 60, one since I turned 62. I just turned 65 in March.
Husband is American, and has been on US SS disability income for last 6-7 years. He is 60 yrs. old.
So, before I turned 65, I applied for USA SS benefits and for Medicare health insurance. I have been several times to local SS office in our area to complete applications and to take to an agent with questions.
I always was assured that I would qualify for Medicare when I turned 65, and for SS benefits also.
I did qualify for Medicare. In fact, they explained to me that since I was being offered Medicare now, I had to take it. The only clincher - since my husband is not 62 yrs. old yet, I would have to pay over $415/month for Part B, and $134/month for Part A like everyone else does. So, I had to take this, but I have to pay $549/month for the two parts.
As for SS benefits, we waited from January until just two weeks ago to hear from them with their decision. During these 10-11 months, the local SS office has consistently told us - you will definitely be eligible for something. SS will look at your credits to see if you have enough here. (I don't.) Then they will write to the UK Pension offices and see if by combining your UK and USA credits together, you could have enough to get a USA benefit. (How in the world they can combine "credits" from two entirely different systems in an attempt to get me 40 credits in the USA I don't know.) THEN, if I still don't qualify, they will give me benefits because of my husband, and I will get 50% of what he gets on his disability.
The local SS office has also regularly told us that whether by combining UK and USA credits, OR by going through your husband, you will get at least an amount of 50% of what he earns.
Well, they contacted me a few days ago. They have awarded me $92/month SS retirement benefit.
So... what do I do now? First, they haven't, and probably won't explain to me the calculations of how they came up with that figure.
Second, if I qualify now for USA retirement, I would think that means that by combining my work in UK and USA, they came up with 40 credits total. In that case, would I not then be eligible for a full retirement here? Now, I know that by taking USA retirement, the UK could reduce my UK pension. But not that much. How they have come all the way down to $92/month I cannot fathom, and it means the local office misled me all these months.
Also, is it still hold that when my husband turns 62, I will no longer have to pay for Medicare Part B? Now I am getting SS here on my own rights, not because of him. Do I still have to pay for Part B? I guess so, since I don't have 40 credits here without the UK credits.
Finally, would any of this change if I became a USA citizen? I have lived here a long time, so I've already considered applying. Would it help my SS and Medicare situation any?
Whoever reads this, I thank you. Whatever good advice anyone can provide, I appreciate that so much also.
Margaret
New member.
UK citizen, residing in USA for last 16 yrs. with green card. Have been getting UK pensions for last few years, one since I turned 60, one since I turned 62. I just turned 65 in March.
Husband is American, and has been on US SS disability income for last 6-7 years. He is 60 yrs. old.
So, before I turned 65, I applied for USA SS benefits and for Medicare health insurance. I have been several times to local SS office in our area to complete applications and to take to an agent with questions.
I always was assured that I would qualify for Medicare when I turned 65, and for SS benefits also.
I did qualify for Medicare. In fact, they explained to me that since I was being offered Medicare now, I had to take it. The only clincher - since my husband is not 62 yrs. old yet, I would have to pay over $415/month for Part B, and $134/month for Part A like everyone else does. So, I had to take this, but I have to pay $549/month for the two parts.
As for SS benefits, we waited from January until just two weeks ago to hear from them with their decision. During these 10-11 months, the local SS office has consistently told us - you will definitely be eligible for something. SS will look at your credits to see if you have enough here. (I don't.) Then they will write to the UK Pension offices and see if by combining your UK and USA credits together, you could have enough to get a USA benefit. (How in the world they can combine "credits" from two entirely different systems in an attempt to get me 40 credits in the USA I don't know.) THEN, if I still don't qualify, they will give me benefits because of my husband, and I will get 50% of what he gets on his disability.
The local SS office has also regularly told us that whether by combining UK and USA credits, OR by going through your husband, you will get at least an amount of 50% of what he earns.
Well, they contacted me a few days ago. They have awarded me $92/month SS retirement benefit.
So... what do I do now? First, they haven't, and probably won't explain to me the calculations of how they came up with that figure.
Second, if I qualify now for USA retirement, I would think that means that by combining my work in UK and USA, they came up with 40 credits total. In that case, would I not then be eligible for a full retirement here? Now, I know that by taking USA retirement, the UK could reduce my UK pension. But not that much. How they have come all the way down to $92/month I cannot fathom, and it means the local office misled me all these months.
Also, is it still hold that when my husband turns 62, I will no longer have to pay for Medicare Part B? Now I am getting SS here on my own rights, not because of him. Do I still have to pay for Part B? I guess so, since I don't have 40 credits here without the UK credits.
Finally, would any of this change if I became a USA citizen? I have lived here a long time, so I've already considered applying. Would it help my SS and Medicare situation any?
Whoever reads this, I thank you. Whatever good advice anyone can provide, I appreciate that so much also.
Margaret
#2
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,865
Re: Getting UK Pension and US SS Benefits
As for SS benefits, we waited from January until just two weeks ago to hear from them with their decision. During these 10-11 months, the local SS office has consistently told us - you will definitely be eligible for something. SS will look at your credits to see if you have enough here. (I don't.) Then they will write to the UK Pension offices and see if by combining your UK and USA credits together, you could have enough to get a USA benefit. (How in the world they can combine "credits" from two entirely different systems in an attempt to get me 40 credits in the USA I don't know.) THEN, if I still don't qualify, they will give me benefits because of my husband, and I will get 50% of what he gets on his disability.
The local SS office has also regularly told us that whether by combining UK and USA credits, OR by going through your husband, you will get at least an amount of 50% of what he earns.
Well, they contacted me a few days ago. They have awarded me $92/month SS retirement benefit.
The local SS office has also regularly told us that whether by combining UK and USA credits, OR by going through your husband, you will get at least an amount of 50% of what he earns.
Well, they contacted me a few days ago. They have awarded me $92/month SS retirement benefit.
It wouldn't make any difference.
Last edited by Giantaxe; Nov 18th 2017 at 5:42 am.
#3
Lost in BE Cyberspace
Joined: May 2010
Location: San Diego, California
Posts: 9,660
Re: Getting UK Pension and US SS Benefits
Firstly you pay $415 for Part A and $134 for part B.
As your husband has not reached 62 years of age, Medicare costs would be based on YOUR level of contributions towards Medicare. Presumably you do not have 40 quarters of contributions via payroll and therefore have to pay Part A which most US citizens, who have payroll contributions, do not.
Does your husband have 40 quarters of contributions towards SS and Medicare?
How may years have you worked in the US and how many in the UK?
I qualified for SS based solely on my husband's contributions as he had 40+quarters of contributions. There was NO enquiry as to my working contributions from the UK.
As your husband has not reached 62 years of age, Medicare costs would be based on YOUR level of contributions towards Medicare. Presumably you do not have 40 quarters of contributions via payroll and therefore have to pay Part A which most US citizens, who have payroll contributions, do not.
Does your husband have 40 quarters of contributions towards SS and Medicare?
How may years have you worked in the US and how many in the UK?
I qualified for SS based solely on my husband's contributions as he had 40+quarters of contributions. There was NO enquiry as to my working contributions from the UK.
#4
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,865
Re: Getting UK Pension and US SS Benefits
There were some changes last year to the "deemed filing" rules, so I'm not sure that's possible any more. You are now "deemed" to have filed on your own record if you file for spousal benefits. And they will consider your own benefits first.
#5
Just Joined
Thread Starter
Joined: Nov 2017
Posts: 2
Re: Getting UK Pension and US SS Benefits
Thanks to several who replied. To answer one person, my husband gets about $1190/month SS Disability minus the $134/month for Medicare. Yes, he had over 40 credits before he became disabled about 7-8 years ago. Yes, I do receive some UK pensions already.
Someone said that once I qualify for SS by combining my work from here and from the UK, then the amount of that SS would be based on how much I've worked in the USA. Do you have documentation to substantiate that thought?
Thanks.
Someone said that once I qualify for SS by combining my work from here and from the UK, then the amount of that SS would be based on how much I've worked in the USA. Do you have documentation to substantiate that thought?
Thanks.